2 0 1 4 S u s t a i n a b i l i t y
R e p o r t
2
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
2014 Sustainability Report
BTN Terdepan GCG Rumahkoe Facing year of 2015, known as new economic era and ASEAN free trade era, Bank BTN launched a new tagline that is also the new culture of the company, namely BTN TERDEPAN CCG RUMAHKOE. This new tagline represents the company’s strong determination to achieve its vision “Be a leading bank in housing financing” based on Good Corporate Governance. The new tagline was an integral part of transformation that has been carried out by Bank BTN since 2013, where Bank BTN put GCG as commander for the company’s success. Thus, the management of Bank BTN was trying to make the tagline as the working spirit in bank BTN. BTN Terdepan also embodies the attitude and determination that Bank BTN is ready to face the new economic era and preserves its leading, especially in house financing.
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
3
Table of Contents
5 6 7 8 10 13
14
20 22 24 28 32
Values and Culture Speech from President Commissioner
45
Speech from President Director
48 50 59
Summary of Sustainability Report
Corporate Data
39 41
62
Bank BTN at A Glance Operating Regions Structure and Composition of Stock Ownership Award & Certification
68
Human Resources Report Profile
Prologue Structure of Corporate Governance Compliance and Responsibility toward Economic, Environment, and Social Principles Composition Of Board Of Commissioners And Directors
PT. Bank Tabungan Negara (Persero) Tbk.
84
Internal Audit and Risk Management Whistleblowing System
BTN Cares Initiatives to Care More
Performance of Sustainable Economy 70 77
Significant Events
Development For The Board of Commissioners and The Board of Directors Performance Appraisal and Renumeration of BoC and BoD Ethics, Integrity, and Conflict of Interest
Performance of Sustainable Environment 64 66
Field of Business
Sustainable Governance 36 38
43
Vision and Mission
Company Profile and Sustainability Report 16 17 17 19
34
Preface
Economic Direct Impact Economic Indirect Impact
Performance of Sustainable Social 86 92 93 94 97
Labour Human Rights Community Product Responsibility Appendix
BTN Terdepan GCG Rumahkoe
4
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
BTN Terdepan GCG Rumahkoe
2014 Sustainability Report
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
Preface
Bank BTN consistently materialize various development programs as response toward opportunities of sustainable growth. Policies made by the Company also took side and supported more efficient activities, to ensure an increase of economic performance and to distribute economic values gained to stakeholders. These chain policies are none other than a sustainable manifestation of economic dimension thoroughly aiming for better welfare. For Bank BTN, sustainability reflects our ability to ensure the accomplishment of our vision, namely “To be a Leading Bank in Housing Finance”. Bank BTN has been present in the Indonesian community for more than 50 years. In running its business operation, Bank BTN always tries to implement principles of good corporate governance by establishing harmonious collaboration with all stakeholders. In addition, the principle of natural preservation is also upheld thus the congeniality between economy, social, and environment can be maintained. To uphold this commitment, Bank BTN is always transparent by publishing Sustainability Report every year together with the Annual Report. This Sustainability Report is the fifth report brought to you by Bank BTN as an attempt to inform the transparency of the Bank’s commitment to create sustainable contributions for all stakeholders and society. This is one form to express Bank BTN’s concern in achieving sustainable development that is aligned with the wheels of business run day-to-day by the company. All elements of Bank BTN have become fully aware that the wheels of banking business are full of challenges and responsibilities. Therefore, all operational activities that are carrying out inside Bank BTN implements excellent and accountable corporate governance system. Working systems and standard operational procedures are executed comprehensively in order to achieve the goal to become a world class banking company. Sustainable development for Bank BTN is one of the most important factors in the effort to improve business performance consistently and continuously in the long term, in line with the vision, mission and goals to be achieved. We realize that it requires hard work, cooperation, and patience from all related parties, in order to make excellent result becoming a habit and eventually will become the reflection of Company’s culture. We guarantee that this process is always held firmly by all levels of Bank BTN, joining hands with allstakeholders.
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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Preface Pendahuluan
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
2014 Sustainability Report
Vision and Mission Vision To be a Leading Bank in Housing Finance
Mission 1. Providing excellent services in housing finance and related industries, consumer finance, and small-medium enterprises. 2. Increasing competitive advantage through innovative development of of products, services, and strategic network based on the latest technology 3. Preparing and developing human capital with quality, professionalism, and high integrity. 4. Carrying out banking management in accordance with the principles of prudence and good corporate governance to increase Shareholder Value 5. Concerning for the interests of society and the environment
The company’s vision is decided by the meeting of the Board of Directors No. 002 on January 6, 2015 BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Pendahuluan Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
Corporate Values and Culture Corporate Values • Professionalism • Competitiveness • Integrity
• • •
Lean Innovation Strive for Excellence
Corporate Culture
BTN TERDEPAN GCG RUMAHKOE • • • • • • •
Bankir Terunggul yang menerapkan Inovasi dengan Integritas yang tinggi Dan Effisien Melampaui harapan masyarakat dan lingkungan
• • • • • • •
Banker Who is the most superior in applying Innovation With high integrity And Efficiency To exceed the expectations of community and environment
for me • Great is not good enough • Challenges are accepted • Green is a must therefore I • Reach for growth and learning opportunities • Utilize environtmental friendly technology and innovation • Make interest of clients’ and communities happen • Act accountable and dependable • Hate arrogance and dishonesty • Keep communication open • Organize concerted effort as a team player • Embrace lean
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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Preface Pendahuluan
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
2014 Sustainability Report
Speech from President Commissioner
Dear Stakeholders,
housing finance in order to provide a positive economic impact in Indonesia.
With gratitude to God Almighty, Bank BTN managed to wade through year of 2014 while providing benefits
Bank BTN was built with the values “BTN Terdepan GCG
to the Stakeholders and banking services to the fullest.
Rumahkoe”. All the people of BTN adopt the philosophy
Board of Commissioners give high appreciation to the
of being bankers who is the most superior in applying
management, which shows commitment to continually
innovation with high integrity and efficiency to exceed
improve social welfare through various activities of
the expectations of community and environment. That
Partnership Program and Community Development as
is why, for us; great is not good enough, challenges are
outlined in the 2014 Bank BTN Sustainable Report 2014
accepted, green is a must. Therefore; reach for growth
that has become and integral part of the 2014 Annual
and learning opportunities, utilize environtmental
Report.
friendly technology and innovation, make interest of clients’ and communities happen, act accountable
Bank BTN continues to maintain the quality of
and dependable, hate arrogance and dishonesty, keep
execution on all lines perfectly, while continuing to
communication open, organize concerted effort as a
maintain harmony of the welfare of employees and the
team player, embrace lean. These values have become
community, as well as environmental sustainability in
guidance for all the people of BTN both as individuals
all its operation activities. This report contains various
and as part of the Company.
policies issued by Bank BTN in order to materialize its commitment continuously, not only based on the
In accordance with the theme of this year Sustainability
Company’s performance and maximum services to
Report “Foremost BTN, GCG as My Home”, Bank BTN is
customers, but also the implementation of Bank BTN’s
committed to carry out all operational activities properly,
contribution to improve and build the foundation of
fast, and focused to best result, and this commitment
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
[G4-1]
2014 Sustainability Report
Pendahuluan Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
should be the reflection of work culture that needs to
The management and employees of Bank BTN will
be maintained together. This new tagline reflects great
continue to provide the best services for the small
determination of Bank BTN to achieve Company’s “To
micro and medium enterprises, and to implement
be a leading bank in housing finance” based on good
programs that support improvement and development
Corporate Governance.
of education, health, and the environment through BTN Harmony Program. The realization of a balance between
The wheel of banking business is surely not separated
sustainability of business and environment represents
from the tight competitive and aggressive market. To
our goals and expectations.
that end, the whole management of Bank BTN keep on striving to strengthen the Company’s business lines
In 2014, Bank BTN increasingly shows the stability of
by continuing to innovate in order to foster a positive
its business as a reputable banking company. This
business climate. The management also continues to
is evidenced by numerous awards and appreciation
nurture the main pillar of our business, i.e. as the largest
achieved by the company due to efforts and hard work
housing loans provider bank in Indonesia.
of all the people in BTN. To that end, we shows high gratitude to performance of management and all levels
Bank BTN’s strength, as housing loans provider bank is
of employees who have been working together with the
the initial capital for all the people of BTN to continue
stakeholders in responding the challenge to become a
doing business innovation in the non-residential sector.
world class and sustainable banking company
The Board of Commissioners believes that all human resources in BTN are superior and the best in their field.
Finally, allow me on behalf of the entire Board of
We believe targets declared by the Company are not a
Commissioners to express our appreciation and thanks
burden for them, but rather becomes a challenge to
to all stakeholders for your endless support. This
continue working and give their best effort for the sake
achievement cannot take place without the support
of future progress. We are grateful that various targets of
and cooperation of all parties. We also would like to
Bank BTN in this yearhave been achieved and in line with
acknowledge the Board of Directors, management and
the road map of Bank BTN heading toward world-class
the entire staffs for their efforts and determination to
company.
achieve positive results and also to maintain the growth of BTN and a harmonious social life in a sustainable way.
Bank BTN always upholds the principle of sustainable in all its operations. We are aware as the largest housing loan provider bank in Indonesia, Bank BTN can be regarded as one of the backbones for the community to get a decent dream house. That is why, Bank BTN continues to maintain its commitment in maintaining harmonious and sustainable climate with all stakeholders.
Jakarta, March 2015
Mardiasmo President Commissioner
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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Preface Pendahuluan
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
2014 Sustainability Report
Speech from President Director
Dear Stakeholders,
thus sustainability aspects can be met and always be a top priority in our work. 2014 was a challenging year, not
By sending our praise and thanks to the Almighty God,
only in banking business, but also in all lines of business
let us on behalf of the Bank BTN Board of Directors
in general.National economy in 2014 once again grew at
deliver Sustainability Report for the financial year 2014
a slow pace, only 5.1%.This was lower than the economic
as form of accountability to all levels of community and
growth in the previous year thatreached 5.7%. Slow
other stakeholders.
national economic growth could not be separated from the world economic climate phenomenon, i.e. the debt
It can be said that we have sailed through 2014 with an
crisis in Europe and the continuing instability of the US
encouraging achievement. This achievement could not be
economy after shaken by the crisis in 2008-2009. Other
separated from the overall consolidation of all the people
cause was the tight monetary policy, thus economic
in BTN who has worked mightily in implementing the
growth became constrained.
correct policies and business strategies. These strategies are manifestation of Bank BTN’s commitment in running
Nevertheless, the above phenomenon is not an
its business, to consistently establish a positive climate
obstacle for all the people in BTN to continue their
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Pendahuluan Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
performance in order to achieve maximum results. We
According to the Regulation of Minister of State-Owned
keep on fostering innovation and creativity to achieve
Enterprises No. PER-08/MBU/2013 dated 10 September
sustainable development. Company’s reports has
2013 regarding the Fourth Amendment of the
evolved in accordance to the needs, starting from the
Regulation of Minister of State-Owned Enterprises No.
financial statement, annual report, and sustainability
PER-05/MBU/2007 regarding the Partnership Program
report, and also integrated report, which became the
of State-Owned Enterprises with Small Businesses and
basis for reports in the future. If in the previous year Bank
Community Development Programs, starting from 2013
BTN adopted Global Reporting Report (GRI) 3.1, now
funds of Development Partnership and Community
BTN implement the Global Reporting Report (GRI) 4.0 to
Development Programsourced from the company’s
communicate the economic, social, andenvironmental
budget are taken from Company’s budget and calculated
development through sustainability reports.
as cost. The point for this change is the elimination of the profit allocation for Partnership and Community
Again, we are presenting Sustainable Report to provide
Development Program and funds are charged into the
clear and transparent informationto all stakeholders
cost of the Company.
about our endless efforts in giving contribution to customers, society, the nation, and the country. Having an
Therefore, according to the decision the General
ideal home for customers is one of the main concerns of
MeetingShareholders dated March 27, 2014 and February
Bank BTN in developing its products and services. Along
25, 2014, the Company established a reserve fund for
with it, Bank BTN will continue on product expansion,
Corporate Social Responsibility program (CSR), which the
not only the residential sector but also non-residential as
amountis adjusted to the needs and capabilities of the
well, while maintaining its identity as the leader in the
Company. CSR activities shows Company’s commitment
housing loans in Indonesia.
to participate actively in improving the welfare of the community by contributing the Company’s resources
Bank BTN also continued to show its commitment in
through a variety of activities, such as economy, arts and
providing housing finance for lower and middle economic
culture, sports, education, health, environment, religious
class society by supporting the government programs
facility, and nature conservation. In 2014, total cost issued
through the Housing Finance Liquidity Facility (FLPP).
by the Company for CSR activities was Rp6.27 billion.
Meanwhile, Bank BTN also continues its improvements in terms of human resources (SDM). Quality of human
We believe that all the people in BTN will continue
resources is one of the Company’s backbones in order to
to make every effort in order to enhancevariety of
reach a glorious achievement.
programs that can contribute for sustainability of the Bank, the environment, community, andhousing finance
We continue to make sustainable enhancements and
in Indonesia in general. With the same spirit, we will work
improvements, as a form of corporate social responsibility
hard in order to realize the noble objectives; making
and in order toimplement good corporate governance.
housing available for all level of society.
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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Preface Pendahuluan
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
Finally, on behalf of the Board of Directors of Bank BTN,
are aware that what we have done so far still requires
allow me to send an enormous gratitude to the Board
a lot of improvement. To that end, with a humble heart
of Commissioners and other stakeholders for all the
we are open to any suggestions,inputs, and constructive
support that has been bestowed upon us, and also let
criticism in order to improve Bank BTN sustainability
me send a high appreciation to all the people in BTN
performance in the future.
2014 Sustainability Report
whom has been working relentlessly in order to achieve sustainability performance in 2014. Entering 2015, we
Jakarta, March 2015
Maryono President Director
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Pendahuluan Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
13
Summary of Sustainability Report
115.916 100.467
44.293
81.411 25.173
63.564 21.071
51.550
10
20
41.552
37.720
11
20
12
20
13
20
14
20
Loan Position of Bank BTN
10
20
11
20
12
20
13
20
14
20
Loan Disbursement of Bank BTN
In million Rupiah
In million Rupiah
88.507 10.330
62.106
61.444 53.840
36.211
6.272
2.790
10
20
11
20
12
20
PKBL Fund
In million Rupiah
PT. Bank Tabungan Negara (Persero) Tbk.
13
20
14
20
10
20
2.468
11
20
2.137
12
20
13
20
14
20
Total CSR Fund Distribution In million Rupiah
BTN Terdepan GCG Rumahkoe
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Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
BTN Terdepan GCG Rumahkoe
2014 Sustainability Report
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
15
Company Profile and Sustainability Report
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
Corporate Data
Company’s Name Field of Business Date of Establishment Legal basis of establishment Ownership Authorized Capital Issued and Fully Paid-Up Capital Share Listing Share Code
Address of Head Office
BTN Terdepan GCG Rumahkoe
2014 Sustainability Report
[G4-3, G4-4, G4-5, G4-6, G4-7, G4-8]
PT Bank Tabungan Negara (Persero) Tbk. Commercial Bank February 9, 1950 Emergency Law No.9 in1950, State Gazette of the Republic of Indonesia No.12, 1950 • The Government of the Republic of Indonesia 60.13% • Public 38.75% • Employees 1.12% Rp10,239,216,000,000 Rp5,283,848,000,000 The Indonesia’s Stock Exchange BBTN Menara Bank BTN Jl. Gajah Mada No. 1 Jakarta 10130, Indonesia Tel. 62-21 6336789, 6332666 Fax. 62-21 6346704 www.btn.co.id email:
[email protected]
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
Bank BTN at a Glance PT Bank Tabungan Negara (Persero) Tbk – or better
of consistency in providing a variety of housing products
known as Bank BTN (here in after referred to as “the
and services, particularly through KPR (mortgage), both
Company”) – has a long history in banking industry
“KPR Subsidy” (Subsidized Mortgages) for lower-middle
in Indonesia. Bank BTN was established in 1897 under
segment and “KPR Non-Subsidy” (Non-Subsidized
the name Postspaarbank. In the era of independence,
Mortgages) for middle and upper segments.
more exactly in 1950, the Government of the Republic of Indonesia changed the name Postspaarbank to Bank
As a Bank focusing on housing finance, the Company
Tabungan Pos, which finally became Bank Tabungan
has also succeeded to keep its position as one of 10
Negara in 1963.
largest banks in Indonesia in term of assets and loan disbursement.
In 1974, the Company was appointed by the Government as the only institution to disburse KPR to lower middle
Aspiring to be the world-class company with a goal of
class society, in line with the Government’s initiative to
providing the best outcome to its stakeholders; Bank BTN
promote housing program for its people. The Company
is always consistent in emphasizing its focus as a leader
listed its initial stocks on December 17, 2009 on the
in the housing finance. At present, Bank BTN’s business
Indonesia Stock Exchange, and was the first Indonesian
focus is accentuated in three sectors: Mortgages &
bank to securitize asset by recording Asset Backed
Consumer Banking, Housing & Commercial Banking, and
Securities - Collective Investment Contracts (KIK-EBA).
Sharia Banking. Each group runs its business through lending, funding and other related services.
As a bank that focuses on housing finance, Bank BTN is willing to help Indonesian people in turning their vision into reality when it comes to having the dream house. This desire has been shown in its more than six decades
Field of Business According to the Deed of the Representation of
deposits, certificates of deposit, savings and/or
Extraordinary
other equivalent forms;
General
Meeting
of
Shareholders
Resolutions on the Amendment to the Article of
B.
Disbursing loans;
Association of PT Bank Tabungan Negara (Persero) no.
C.
Issuing an acknowledgment of debt and making
7 dated October 12, 2009, the Company’s business activities are as follows: A. Collecting funds from the public in the form of deposits consisting of demand deposits, time
PT. Bank Tabungan Negara (Persero) Tbk.
borrowings secured by earning assets; D. Buying, selling or guarantying on the Company’s risk or for the Company’s benefit and at the behest of its customers:
BTN Terdepan GCG Rumahkoe
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Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
i.
ii.
Money order/drafts including the drafts
J.
through auction or outside the auction based
be no longer than in the practice of the said
on the authority to sell outside the auction from
securities trading.
the owner of the collateral in the event that the
Letter of acknowledgment of debt and other
debtor fails to meet its obligations to the Company,
trade papers with the validity period no longer
provided that the purchased assets shall be
trading. iii. Paper
liquidated as soon as possible. K.
Saving
Bonds
and
Government
Securities.
authorities. M. Conducting equity participation in banks or other
vi. Futures with a maturity in accordance with
companies in the financial sector by adhering to
legislation. vii. Other valuable Instruments with a maturity in
Performing foreign exchange operations by adhering to the provisions stipulated by the
Indonesia / SBI). Bonds.
Conducting factoring, asset securitization, credit card business and activities of the trustee.
L.
iv. Bank Indonesia Certificates (Sertifikat Bank v.
Purchasing part or all of the collaterals, either
accepted by Bank of which the expiration shall
than in the practice of the said securities
2014 Sustainability Report
the legislation. N. Conducting temporary investment to overcome the
accordance with the legislation.
failure of credit, including the failure of financing based on Islamic principles; on the terms that the
E.
F.
Placing funds with, borrowing money from, or
Company at a later date should the Company shall
lending funds to other banks, either by mail,
withdraw its investment, in accordance with the
telecommunication facilities and on sight draft,
provisions set by the Company according to the
check or other means;
legislation.
Receiving payment of bills on securities and
O. Acting as the founder and the trustee of pension
performing calculations with or among third parties;
plan in accordance with the prevailing legislation. P.
G. Providing a place to store goods and securities; H. Performing custody activities for the interests of
and other investment banking. Q. Doing business based on sharia principles; in
other parties pursuant to a contract; I.
accordance with the provisions stipulated by Bank
Making placements of customer funds to other customers in the form of securities that are not listed on the stock exchange;
Conducting financial services, commercial banking,
Indonesia and the prevailing laws and regulations. R.
Performing other activities commonly undertaken by banks with regard to the provisions of prevailing legislation.
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
19
Operating Regions
Sumatera Regional Offices Branch Offices
Jawa
Bali & Nusa Tenggara
Kalimantan
Papua & Maluku
Sulawesi
1
2
-
-
-
-
11
38
5
3
5
3
Sub Branch Offices
34
158
10
5
13
3
Cash Outlets
58
375
18
8
18
2
Sharia Outlets
6
40
2
-
2
-
5
21
4
2
2
-
Post Offices
Priority Outlet
700
1.624
299
141
126
61
ATMs
240
1.345
85
46
92
22
2011 Regional Offices Branch Offices
2012 2
2013 3
2014 3
3
65
65
65
65
Sub Branch Offices
218
223
223
223
Cash Outlets
316
415
479
479
Sharia Outlets
39
50
50
50
Priority Outlet
7
13
23
34
Total Outlets
640
756
820
820
Post Offices
2.738
2.922
2.922
2.951
ATMs
1.181
1.404
1.504
1.830
Employees
6.337
7.142
8.011
8.582
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
20
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
2014 Sustainability Report
Structure and Composition of Stock Ownership The State of the Republic of Indonesia possesses one
report and explanation on certain matters by taking into
sheet of Dwiwarna A series Share, which furnish the
account of prevailing legislation, particularly the capital
holder with privileges that are given to the other
market regulations.
shareholders, namely: to approve appointment and termination of members of the Board of Directors and
On December 31, 2014, the State of the Republic of
Board of Commissioners, approve the amendments
Indonesia owned 6,353,999,999 Common Shares and
to the Articles of Association, including merger,
one Dwiwarna series A Share with special voting rights,
amalgamation, acquisiton and split-off as well as
making its share ownership amounted to 60.13%.
dissolution and liquidation of the Company, as well as to ask the Board of Commissioners and Directors for a
National
Shareholders The State of the Republic of Indonesia Individual Employees Cooperatives Foundations Pension Plans Insurance Companies Limited Liability Companies Mutual Funds
Total Investors
Sub Total Asing
Foreigners Individuals
Sub Total
Total Shares
Share Ownership %
1
6,354,000,000
60.13%
6,879 1,736 4 17 128 28 83 100 8,976 27 237 264 9,240
406,117,233 118,865,600 8,539,600 29,206,833 230,199,673 167,601,952 312,951,002 778,616,221 8,406,098,114 3,307,902 2,158,289,984 2,161,597,886 10,567,696,000
3.84% 1.12% 0.08% 0.28% 2.18% 1.59% 2.96% 7.37% 79.55% 0.03% 20.42% 20.45% 100.00%
Shareholders with More than 5% Share Ownership As of December 31, 2014, composition of the Shareholders with More than 5% Share Ownership is as follows: No. Name 1 The State of the Republic of Indonesia
BTN Terdepan GCG Rumahkoe
Total Shares 6,354,000,000
Share % 60.13%
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
21
Share Ownership by the Board of Commissioners and the Board of Directors Name Board of Commissioners Mardiasmo Sahala Lumban Gaol Amanah Abdulkadir Maulana Ibrahim Agung Kuswandono Herman Hidayat The Board of Directors Maryono Irman Alvian Zahiruddin Mansyur S. Nasution Hulmansyah Rico Rizal Budidarmo Iman Nugroho Soeko
PT. Bank Tabungan Negara (Persero) Tbk.
Position President Commissioner Independent Commissioner Independent Commissioner Independent Commissioner Commissioner Commissioner President Director Director Director Director Director Director
Total Shares
Share % -
-
98,500 4,922,650 375,000 -
0.0009 0.0466 0.0035 -
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Performance of Sustainable Economy
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Award & certification
2014 Sustainability Report
[G4-15]
Type of award Service Excellence Category 2nd Best ATM Commercial Bank Date received 13 Jun 2014 The organization of the award Infobank
Type of award Service Excellence Category 2nd Best Customer Service Islamic Business Unit Date received 13 Jun 2014 The organization of the award Infobank
Type of award Service Excellence Category 1st Best Phone Handling Date received 13 Jun 2014 The organization of the award Infobank
BTN Terdepan GCG Rumahkoe
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2014 Sustainability Report
Preface
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Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
Type of award Service Excellence Category 2nd Best Overall Performance Date received 13 Jun 2014 The organization of the award Infobank
Type of award The 10th Islamic Finance Award Category 1st rank The Best Services Quality Date received 24 Feb 2014 The organization of the award Karim Consulting Indonesia
Type of award Pembiayaan Perumahan Category Pelayanan Terbaik dalam Pembiayaan Perumahan Rakyat Date received 28 Okt 2014 The organization of the award Residence Indonesia
PT. Bank Tabungan Negara (Persero) Tbk.
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2014 Sustainability Report
Significant Events Jakarta, February 10, 2014 Bank BTN Exposed the Company’s Performance of the 4th Quarter of 2013 Bank BTN presented results of the Company’s performance for the 4th Quarter of 2013. BTN managed to increase net income in 2013 amounted to Rp1.56 trillion, growing by 14.53% compared to 2012. While Non-Performing Loan (NPL) - Net could be controlled down to 3.04% as a result of the Bank’s seriousness in improving its loan quality.
Jakarta, March 27, 2014 Bank BTN Rolled-Out Contact Center For Privileged Customers Bank BTN, in cooperation with PT Telkom and PT Infomedia Nusantara, launched a contact center dedicated for “BTN Prioritas” customers and Interactive Voice Response (IVR) service. This program was a form of the Company’s commitment to provide value added services to its customers. Contact Center 1500 286 operates 24 hours every day in the whole year to “BTN Prioritas” customers.
Jakarta, April 29, 2014 Exposure the Company’s Performance of 1st Quarter of 2014 Bank BTN announces the 1stquarter financial performance in 2014 with the achievements of lending amounted to Rp102.82 trillion, or an increase of 20.24 % compared tothe same period in previous year. Total homes andapartments that have been financed by Bank BTN during the first three months of this year reached 28,032 units.Third Party fund gathered by the Company also grew from 17.44 % to Rp 102.28 trillion.
Jakarta, May 5, 2014 Bank BTN Entered into A Cooperation Agreement With JAMKRINDO Bank BTN entered into a cooperation agreement with Perusahaan Umum Jaminan Kredit Indonesia (Jamkrindo). This cooperation aims to provide collaterals for mortgages under Housing Finance Liquidity Facility Scheme (FLPP Scheme). The agreement was signed respectively by Maryono, President Director of Bank BTN and by Diding Surdirja Anwar and Bakti Prasetyo, President Director and Director of Jamkrindo.
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
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Performance of Sustainable Economy
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Performance of Sustainable Environment
Performance of Sustainable Social
Jakarta, June 6, 2014 Bank BTN Supports the Financing of 1000 Homes for Workers Bank BTN is ready to provide financing support for the construction of housing for workers in five major cities in Indonesia that include Karawang, Serang, Palembang, Semarang and Surabaya. Bank BTN will build 1,000 affordable housing units in Serang after a similar project was previously carried out in Karawang. Approximately 130 houses have been realized under KPR Sejahtera FLPP scheme with PUMP-KB with a total financing value of approximately Rp 2.58 billion. The housing project is prepared as the housing facility provided to the participants of BPJS Ketenagakerjaan.
Jakarta, July 15, 2014 Bank BTN Drew Prizes of Homebastis Savings of Period III To boost its Third Party Funds, Bank BTN rewarded its loyal customers, including Homebastis prize program of period III with the Grand Prize 3 consisting of luxury homes worth Rp 2 billion each.
Jakarta, August 16, 2014 Bank BTN Held Property Expo 2014 Bank BTN was back with Property Expo 2014, the fourth property expo event since 2011. This exhibition is Bank BTN’s breakthrough to increase lending, especially mortgages. The public and housing industry players have given good responses to the event. Moreover, such the event offers a lot of the facilities and conveniences for transactions during the exhibition.
Jakarta, September 24, 2014 Bank BTN Won The Best Efficient Bank 2014 Bank BTN was awarded The Best Efficient Bank in 2014 from Bisnis Indonesia daily for 2013 company performance for the stateowned banks group category. The methodology used for this award was by comparing the actual results (outputs) obtained by a bank with the results that actually could be achieved by several consumption of the same inputs. Bank BTN was also assigned “The Best Efficient Bank 2014” for state-owned banks group category.
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2014 Sustainability Report
Jakarta, October 2, 2014 Synergy between Bank BTN and TELKOM to Develop Branchless Banking Bank BTN provides banking facilities to the sellers of Telkom pulse. The MoU was signed by Maryono, President Director of Bank BTN and Arief Yahya, President Director of Telkom. This Bank BTN’s cooperation with Telkom is a form of synergy between SOEs. This partnership also has a mission to support the government’s program to encourage the National Non-Cash Movement (GNNT).
Jakarta, October 16, 2014 Bank BTN Launched Housing Finance Center As a leader in housing finance in Indonesia, Bank BTN launched Housing Finance Center (HFC) as one of the solutions to the housing problem in Indonesia. Bank BTN’s HFC will be a source of inspiration for businesses in housing finance.
Jakarta, October 16, 2014 Business Leaders Forum Seminar with the topic “Fewer, Bigger, Bolder” and speaker Mohan Sawhney, organized by MarkPlus, Inc. The Seminar featured a discussion session on Housing Finance with the speakers from the Ministry of Public Housing - Mr. Sri Hartayo, Deputy in Financing and Chairman of DPP REI (Indonesian Real Estate Association of Central Office), Eddy Hussy, with an academic discussion by Professor Mohan Sawhney from the Kellogg School of Management.
Jakarta, October 28, 2014 The ceremony of MOU signing with Indonesian National Police represented by Mr. Sutarman (Chief of Police). The Cooperation includes the use of Bank BTN’s products, services and facilities by the National Police Institution and members of the National Police throughout Indonesia.
BTN Terdepan GCG Rumahkoe
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2014 Sustainability Report
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Performance of Sustainable Environment
Performance of Sustainable Social
Jakarta, October 29, 2014 Established a Cooperation with YPI Al-Azhar to Launch “Tabungan BTN Qurban iB” Bank BTN established a cooperation with Islamic Education Foundation (YPI) Al Azhar in the launching of “Tabungan BTN Qurban iB”. The Cooperation generally involves the provision of banking service facilities based on Sharia principles.
Jakarta, November 6, 2014 Bank BTN Open Priority Services In Pondok Indah Bank BTN opened another the 30rd priority service office in Pondok Indah as an effort to improve the Third Party Funds. Pondok Indah’s BTN Prioritas is expected to contribute the strengthening of the Company’s capital structure.
Jakarta, November 18, 2014 Jakarta, November 18, 2014 The launching of “Tabungan BTN Perumahan” was witnessed by the Minister of Public Works and Public Housing Mr. Basuki Hadimuljono at the 2014 National Work Meeting (Rakernas) of Indonesian Real Estate Association (REI).
Jakarta, December 9, 2014 Bank BTN-SMF Issued the Largest Marketable Securities in History Bank BTN jointly with SMF Finance issued Bank BTN’s 7th Collective Investment – Asset-Secured Securities (KIK EBA) in the amount of Rp1.5 trillion, which is the largest value of KIK EBA issued by the Company so far. This KIK EBA DBTN05 obtained the effective statement from OJK on November 25, 2014.
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2014 Sustainability Report
Human Resources
In 2014, the Company has recruited 889 employees including recruiting employees with Pro Hire or Hire Experience status with details of some following aspects: By Gender Gender
Total
Female Male Total
349 540 889
By Education Education One-Year Diploma Three-Year Diploma Four-Year Diploma Bachelor’s Degree Master’s Degree Total
Total 7 293 5 582 2 889
By Age Age
Jumlah
20 - 25
775
26 - 30
67
31 - 35
41
36 - 40 Total
BTN Terdepan GCG Rumahkoe
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PT. Bank Tabungan Negara (Persero) Tbk.
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Performance of Sustainable Social
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By Position Education
Grade
Total
Officer Development Program (ODP)
13
62
General Banking Staff (GBS)
12
0
Supporting Staff (SS)
08-11
545
Customer Service Staff (CS) / Pension at age 36
11-12
83
Junior Secretary (SKR) / Pension at age 36
10-11
13
Teller Service Staff (TS) / Pension at age 36
09-10
132
Professional Hire / Pension at age 36
14-16
54
Total
Collective Labour Agreement [G4-11]
889
implementing the employment relationship as well as being solution for the company, employees, and other
Bank BTN realize that optimizing human potential can
related parties such as the government.
be achieved not only through the implementation of a competency-based HR system in any activity
The Company cooperates with The Unions as partners
of HR functions, but must be accompanied by work
in order to handle “in special attention” employeesby
practices to accommodate the rights of employees.
giving mentoring/counseling to employees, because the
Therefore, the Company includes human rights and work
Company assumes that The Unions is psychologically
practices that are fair and do not violate human rights
closer to employeesin the case of the delivery of
in the Collective Labour Agreement’s points, which are
employees’ complaints.
periodically evaluated and refined. Thus, Collective Labour Agreement can be a guide for the company and
CLA becomes guidance for the Company and employees
employees in carrying out the working relationships that
in carrying out the working relationship, which
govern the rights and obligations of both parties.
determines rights and obligations between the company and employees. Bank BTN incorporate human rights as
Implementation of activities related to Company’s Social
well as fair labor practices and do not violate rights
and Environmental Responsibility shall observe the
of human beings into subjects/points in CLA that are
provisions regarding the industrial relations of human
periodically evaluated and refined.
resources within the Company. Therefore, Bank BTN made provisions governing industrial relations of human
Bank BTN is committed to develop a good industrial
resources set out in the Collective Labour Agreement
relations by:
(CLA), which is periodically evaluated and refined by the
1.
Company.
Providing a good and safe working environment for employees, including a decent welfare.
2.
Fair treatment and protect employees from any
Instruments of the Company’s industrial relations are
form of possibility that endanger the safety and
Bank BTN union and Collective Labor Agreement (CLA)
health at work.
that contains the terms of employment as a guide in
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3.
4.
2014 Sustainability Report
Build a healthy two-way communication between
In any employment agreement with supplier, the
management and employees on the basis of mutual
Company has set clauses requiring suppliers to comply
interest and benefit.
with work-related rules and regulations related. In this
Providing equal opportunities for employees to take
reporting period, there were no significant violations of
part in training and other development programs in
our suppliers.
accordance with the Company’s business.
Implementation of Precautionary Principle [G4-14]
Significant changes over reporting period [G4-13]
this
There was no significant change during the reporting The precautionary principle implemented by the
period of 2014 Sustainability Report of PT Bank BTN.
Company by establishing a Risk Management Division, which is in it there are a Risk Monitoring Committee, Risk Management Committee, and Risk Management Work Unit. In addition, the Company also implemented the Internal Control System (SPIN).
Membership of the Company in national or international associations/organizations [G4-16]
Application of External Standards
Bank BTN is an active member of associations as follows: 1.
The
Association
of
Indonesian
Issuer/Public
Company In its business activities, standardization of project
2.
andBank BTN’s services refer to the criteria of ISO 9001:2008.
Supply chain [G4-12] In running the Company, Bank BTN identifies and
Association
of
National
Commercial
Bank
(PERBANAS) 3.
The Institute of Bank Internal Auditors
4.
Internal Audit Association of Indonesia
5.
The Institute of Internal Auditors (IIA)-Indonesia Chapter
categorizes supplier that has direct as well as indirect
Stakeholder engagement [G4-24, G4-25,
impact upon the survival of the bank. Definition of supply
G4-26, G4-27]
chain or suppliers in this report are parties whom supply goods and special services,such as business partners and
Bank BNI business sustainability is closely related the
human resource suppliers for audit, security, customer
ability of management to interact with stakeholders. With
service, cleaning service, transportation, marketing,
positive interaction, the sustainability of the business
and maintenance/repair. Aligned with their business
as well as the implementation of social responsibility
implications, which also has the potential risks to the
and environmental sustainability can be implemented
image and reputation of Bank BTN.
optimally for the benefit of stakeholders.
The level of their compliance with labor and work
Stakeholder engagement is limited. In this case, Bank
safety regulations will directly influence the image
BTN involves them through available activity/media, but
and reputation of Bank BTN. Therefore,to suppress the
do not exceed the provisions laid down in the statutes or
negative impact, the Company has conducted rigorous
regulations.
selection of suppliers, with their compliance with labor regulations as main consideration.
BTN Terdepan GCG Rumahkoe
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Performance of Sustainable Social
Bank BTN has carefully identified groups of key stakeholders, based on their dominant influence upon sustainability of the Company’s business. Stakeholders and their involvement throughout 2014 can be described as follows:
No. Stakeholders
Involvement Methods Call Centre Service
1
2
Customer
Pemerintah dan Otoritas Keuangan
Customer Satisfaction Survey
Bank BTN’s website and frontline information Pelaporan pelaksanaan Provide information regarding kepatuhan dan notifikasi pada compliance to prevailing Bank Indonesia regulations Reporting the compliance of sharia to National Sharia Council Internal Media
3
Objectives Provide services and respond to complaints Gather feedback regaring customer satisfaction and improvement needed Banking education and provision about the Company
Employee Employee Satisfaction Survey Discussion about Collective Labor Agreement
Provide information regarding level of compliance to sharia principles Conduct socialization about policies and strategies concerning employees Assess employee’s level of satisfaction and gather their expectations Create a conducive working climate to produce harmonious bipartite relationship Expansion of the Company’s merchant Improve corporate governance, including gather updates regarding governance
4
Labor Union
5
Suppliers
6
Business Organization
7
Community Organization/Social Organization/ Non-governmental Organization
Strategic cooperation Optimize the achievement of to implement programs Corporate Responsibility, both Company’s CSR program in social and environment area
8
Mass media
Press release
PT. Bank Tabungan Negara (Persero) Tbk.
Gathering, seminar dan workshop Meetings and Activities in national, regional, and international scale
Frequency Every time At least once a year When needed in accordance with the provision in accordance with the provision When needed At least once a year yearly review Every month Every month
When needed
Provide information related to banking business that needs to be When needed known by the public
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2014 Sustainability Report
Report profile 2014 Bank BTN Sustainability Report 2014 is a fifth -year
closely associated with Bank BTN’s social responsibility
report, since the first report was launched in 2009. This
activities to customers, employees, suppliers, business
report was prepared to comply with the provisions of
partners, society, and the environment.
Article 66 paragraph 2c, Act 40 of 2007 on Incorporated Company (PT), which requires the submission of the Social Responsibility and Environment (TJSL) report in the Annual Report. Definition of TJSL according to Article
Report Content Determination Process
1 of Law No. 40 of 2007 is “the Company ‘s commitment to participate in sustainable economic development to
In setting the topics and contents of this report we were
improve the quality of life and beneficial environmental,
using 4 (four) steps suggested by GRI G4, namely:
both for the Company itself, local community, and society
1. 2. 3.
this Report also can be accessed through the company
Perform validation on the material aspects (Validation step);
include Transparency, Accountability, Responsibility, Independence, and Fairness. Besides the printed edition,
Prioritize the aspects that have been identified in the previous step (Priority step);
This report is published annually as a form of Bank BTN’s commitment to the sustainability principles that
Identify the aspects of material and boundary (Identification step);
at large”
4.
Review the report once published in order to improve the quality of the next report (Review step).
website http://www.btn.co.id. This report is deliberately structured to deliver comprehensive information and clear, thorough, and transparent illustration about various
Reporting Principles
policies, programs, activities, efforts, and performance of Bank BTN in economy, social, and environment aspects
In this report we also report the engagement, interaction
related to the operational activities of the Company
and performance of the Company collectively together
throughout the year of 2014. [G4-29,G4-30]
with stakeholders. Data related to the performance of the governance and operational performance of
Bank BTN hope this report can be a source of information
the Company includes financial data, environmental
related to the implementation of the sustainability
performance data, health and safety performance
performance of the Company by all stakeholders,
data, security practices, employment practices, and the
namely the shareholders, government officials, capital
application of the principles of human rights.
market authority, the community around the location of business operation, academia, research institutions, as
The whole financial data was expressed in Rupiah
well as other concerned parties.
currency,
unless
Transparency,
Reporting Period
otherwise
stated.
Accountability,
Principles
of
Responsibility,
Independence, and Fairness that are integratedin all business activities of the Company required us to conduct a review of internal audit against the contents of
This Sustainability Report contents Bank BTN social
the report, in order to ensure that the five principles have
activities with in a period of one year from January 1, 2014
been applied properly and to guarantee the accuracy and
until December 31, 2014. It can be said that this report
accountability of qualitative and quantitative indicators
generally disclose Bank BTN’s performance and activities
of data used in this report.
in order to support sustainable development and also
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2014 Sustainability Report
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Performance of Sustainable Economy
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Bank BTN applied the ‘Principles of Report Content
Report Boundary
[G4-17, G4-18]
Determination’ as recommended in GRI-G4 Sustainability This report covers activities of Bank BTN and its
Report Guidance, consists of:
subsidiaries, as stated in the consolidated financial 1.
Principles of Stakeholder Inclusivity.
report. Financial, human resources, and environmental
We applied this principle by communicating with
data in this report is consolidated data with subsidiaries.
selected stakeholders during the time of preparing Data measurement techniques used by Bank BTN
this report.
based on Indonesia Financial Accounting Standards 2.
Principle of Sustainability Context
(SFAS). Meanwhile, for the sustainability data, we used
We applied this principleby expanding disclosure
internationally accepted data measurement techniques.
with taking into account the extent of Company’s business impact up to national coverage and
Quantitative data presented in this report used the
issuesinternational
principle of comparability,at least in two consecutive
related
with
sustainable
years, sousers of this report can perform trend analysis.
development.
There are no restrictions in determining the scope and 3.
Principle of Materiality We
applied
this
with
boundary of this report. the
involvement
of
stakeholders’ interests by organizing discussion forums attended by representatives from various
Report Examination
stakeholder groups. In this reporting period, the Company has not yet 4.
Principle of Completeness
included an external independent assuror to perform
We applied this principle by presenting data
an underwriting service over the Sustainability Report.
andinformation that are practical to be put into
Nevertheless, we guarantee the truth andvalidity of the
action as well as being consistent with the scope
information in this report, as expressed in the Statement
and reporting period with consideration of relevant
of Board of Directors.
boundaries on every aspects or topics that we are
[G4-32, G4-33]
reporting.
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Sustainable Governance
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2014 Sustainability Report
Prologue BTN Bank is committed to become a part of the life of
is also in order to mitigate the trend of world banking
Indonesian families, by participating in realizing the
business; hence Bank BTN will be able to conduct the
dream house for all. Materialization of this Indonesian
business transformation consistently and sustainably.
families’ dream can not be separated from the maximum implementation of good corporate governance (GCG)
BTN’s GCG Paradigm
in Bank BTN. The Company realizes that the maximum implementation of GCG is the main requirement in
The challenges faced by the Company are varied and
achieving consistent and sustainable performance in
complex. Therefore, GCG principles implementation is
short and long-term period and long-term.
mandatory. Generally, the Company implement basic principles of GCG including tranparency, accountability,
This is in line with the goals of the Company to position
responsibility, independency and fairness (TARIF),with
itself as an international company (world class banking
a belief that those principles will help ensure a perfect
company). Thus, proper and accountable implementation
balance of its entire business (360 degrees), so that all
of GCG and is the main pillar of the Company in running
kinds of interests of both business and social, individual
its wheels of business. Management of Bank BTN keeps
and groups, internal and external, short term and long
on making improvements in managing all aspects over
term as well as both shareholders and stakeholders
time and based on the demands of banking industry.
interests will move towardone balance point.
The Company’s commitment to apply principles of GCG
Bagan 360 Degree of Balance Shareholders
Stakeholders
GCG Economy
Long term
GCG
GCG
360 Degree Balance
GCG
GCG
GCG
Short term
GCG
Communal
Individual
Internal
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External
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Implementation of corporate governance is materialized
•
in a variety of processes ranging from recruitment,
Development
of
software
37
(Intelligence
Governance [i-Gov]).
internal control system, risk management, performance
•
Externalization.
evaluation, decision making, up to reward and punishment program. Bank BTN also continues to
3.
Implementation Cycle Stages
improve the process of implementation of GCG to
Continuous monitoring and determination of action
ensure the TARIF principles are applied at every level the
plan and feedback at the end of each year by using
organization, both at main office and business units.
the Plan Do Check Action (PDCA),towards success for the long-term.
Bank BTN continues to encourage the implementation of corporate governance and creating a culture that uphold integrity, professionalism, and compliance
Self-Assessment
with applicable regulations. Bank BTN perceives corporate governance as a means to maintain business
GCG implementation requires an assessment to see the
continuity and stakeholders trust, as well as to foster the
progress of GCG principles that have been implemented
performance and integrity of the Company
by the Company. This assessment is also useful to ensure an increase in the quality of sustainable implementation of GCG into the business processes.
Pillars of GCG Road Map
The Company carried out self-assessment in accordance The four pillars of implementation milestones of Bank
with the provision requiring the Bank to conduct internal
BTN’s GCG are as follows:
self-assessment upon the implementation of GCG. The
• Commitment on Governance
Company has conducted GCG assessment internally
• Governance Structure
since 2007 by using the method of Self Assessment.
• Governance Mechanism • Governance Outcome
Self-Assessment Results for the period of January to December 2014, can be submitted as follows:
These GCG pillars are guidance executing GCG development strategies of Bank BTN that includes several
Individual Rating 2
stages as follows: 1.
Pre-Implementation Phases
Reflecting that the Bank’s management has performed
There are 3 (three) things to do at this stage, namely:
a generally proper implementation of good corporate
•
Strengthen management commitment.
governance. This is reflected in an adequate adherence
•
Establish
and/or
complement
GCG
soft
•
Establish
and/or
complement
GCG
infrastructure. 2.
to GCG principles.Should there be a weakness in the GCG principles implementation,the weakness is generally less
structure.
significant and can be solved with a normal action by the Bank’s management.
Implementation Stages There are several strategies in this stage, namely: •
Awareness programs.
•
Internalization and institutionalization.
•
Evaluation and Assessment Program.
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Structure of Corporate Governance The Company’s management is highly committed
To ensure the checks and balances as well as
to GCG implementation. In
June 25, 2014, the
accountability are clear and unequivocal from each
Company enforced its commitment to support GCG
Organ of the Company, Bank BTN constantly working to
implementation in all aspects by partnering with
improve the structure and implementation of corporate
Indonesia’s Corruption Eradiction Commission, better
governance.
[G4-34]
known as “KPK”, in preventing gratification practice and bribery in the Company’s work environment. KPK will
The Corporate’s organ consists of the Main Organs,
help the Company to implement a gratification control
namely: the General Meeting of Shareholders (GMS),
system in the Company’s work environment.
the Board of Commissioners and Board of Directors; and Supporting Organs, including: Various Committees, both
Through this system, tools and mechanism
for
at the level of the Board of Commissioners and Board
gratification control will be constantly built and
of Directors, in accordance with the regulations. A clear
developed by the Company. This is the system that will
separation between the organs of the Company reflects
keep the integrity of all employees in receiving and
the existence of checks and balances as well as a good
giving the gratification considered as a bribery. Therefore,
system of internal control.
the Company has been partnering with KPK to guard its implementation in the Company work environment.
THE COMPANY’S ORGAN MAIN ORGAN
SUPPORTING ORGAN
GMS
BOC
BOD
Committee
Committee
• Audit Committee • Remuneration and Nomination Committee • Risk Monitoring Committee
BTN Terdepan GCG Rumahkoe
• Risk Management Committee • Loan Policy Committee • Personnel Committee • IT Steering Committee • Product Committee • Asset and Liability Committee
CORPORATE SECRETARY INTERNAL AUDIT WORK UNIT EXTERNAL AUDIT RISK MANAGEMENT WORK UNIT
COMPLIANCE WORK UNIT OTHER WORK UNIT
PT. Bank Tabungan Negara (Persero) Tbk.
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Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
Compliance and Responsibility toward Economic, Environment, and Social Principles House is one of the most important elements inlife.
A series of innovations are often born in order to achieve
As one of the primary needs, dream home becomes
prosperity and improve quality of life through a variety
essential for humans. Role of a house is so central and
of economic activities in this open business climate.
cannot be separated from its function as life support
Tight competition in business accompanied by a number
as well as social identity or social status. In its efforts to
of new risks associated with stability of environment,
preserve life, every human being has primary, secondary,
economic and socialculture, making it a challengethat
and tertiary needs. In this case, house is a primary need
must be dealt with wisely.
of humans as part of their effort to maintain a sustainable life.
Development as an idea, principle and related concept is a challenge for advanced implemented in human life.
Departing from the idea, Bank BTN sought to materialize
Thus, practices of sustainable development framework
the dream of the society for a decent house. By becoming
that are being executed by the Company certainlyhave a
a family friend Indonesia, Bank BTN is committed to give
correlation between environmental, social and economic
a chance for them to get a decent house of their dreams.
aspects. These practices of sustainable development are
But of course, the embodiments of these dreamare
also associated with the government. In the sense that a
adjusted with the business climate in general, supported
business investment must be in line with the standards
by national monetary powers.
that apply nationally and internationally.
Bank BTN’s focus as one of the housing financeprovider
Any company operating in Indonesia must comply with
for the society is an evidence for the Company’s
prevailing legal regulations and national standards. This
commitment to organize feasible and sustainable life for
also applies for some prevailing international standards,
humans. With equitable housing construction equitable
which in it requires companies to comply with the
and upholding the principle of justice for all, making
standards of national policies. Bank BTN is aware of
Bank BTN as one of the economic pillars that respire
this, and implementing it with the submission of this
positive climate in the national business atmosphere. The
Sustainability Report that was prepared by incorporating
Company is determined to make the Indonesian people
elements of transparency and accountability through the
as dignified society, in which all the people are entitled to
implementation of the Company’s activities involving
obtain their dream house.
3 aspects, namely economic, social, and environmental and/or taken into consideration the sustainable
Sustainable Principle
principles, as following; •
Documents created by the Company that are related with the performance of economic, social,
Sustainable development is not a new or unfamiliar thing
andenvironment as a tool of management control
for the people around the world in general. The idea
upon internal stakeholders as well as accountability
of sustainable development has already begun when the Brundtland Commission formulated and defined
tool, especially to external stakeholders. •
Performance report of the three aspects can only be
the term of sustainable development. The principle
called sustainability reportif the performance that
of sustainable development is “fulfill the needs of the
is being reported within a certain time has already
present without compromising the fulfillment of the needs of future generations”.
sustained or showed a trend of improvement. •
The consequence is that sustainability report consists of various indicators of the three aspects, which need to be monitored periodically.
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
Implementation
of
good
corporate
governance
Good Corporate Governance (GCG) and prevailing
in the body of BANK BTN essentially is a concept thatrefers to the process of reaching a decision and the
regulations, •
implementation can be accounted for together. UNDP (1997) defines good governance as a consensus reached
2014 Sustainability Report
Establish a positive image of the Bank in the community, and
•
Increase cooperation and mutual respect with
by the government, citizens, and the private sector for
the community and the environment around the
the execution of governance in a country.
location of Bank operational office. Meanwhile, the implementation of activities which
Meanwhile, the World Bank interpret good governance
support sustainable development in the body of
as a public service that is efficient,good justice system,
Bank BTN are to realize the Company’s fourth mission,
and system of governance that can be accountable to
which is to pay attention to the interests of society and
the public. If referring to the three pillars of sustainable
environment. Forms of activities undertaken, among
development, namely economic, environmental, and
others are:
human development, the efforts of good governance that touches three parties in it, namely the government
•
In economy field, activities that have an impact on
as state officials, corporate or business world as economic
increasing employment opportunities and business
engine, andthe civil society, are compatible. If all work in
opportunities inorder to alleviate poverty in the
harmony, the indicators of sustainable development will continue to provide positive signals.
community. •
In social field, activities that have an impact on improving the quality of life in education, health,
Sustainable development is one of the components of economic development in Indonesia.The goal of
arts and culture, sport and religious. •
In environmental field, activities that have impact on
sustainable development itself is to fulfill the needs of
improving comfort and environmental preservation
the present generation without reducing the ability
as well as energy saving and the use of alternative
of future generations in fulfilling their needs. It is very
energy.
understandable and BTN immediately support that goal.
•
Activities that lighten the burden of the people due to natural disasters or certain economic condition
Implementation Bank BTN’s programs that support
caused by the rise in prices of basic commodities.
sustainable development aim to: •
Elevate the welfare of society and improve the environment,
•
Develop Bank’s value and culture in accordance with
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
41
Composition Of Board Of Commissioners And Directors Board of Commissioners
Number and Composition of the Board of Commissioners
The Board of Commissioners works collectively and
[G4-38]
has a joint responsibility for what it does. In general,
Composition of Board of Commissioners as of January
the key role played by the Board of Commissioners
01st, 2014 until May 23rd, 2014 is 6 members, consist
includes supervising managerial activities by the Board
of 1 President Commissioner, 2 Commissioner, and 3
of Directors, providing advice and recommendations to
Independent Commissioner. The detail can be seen
the Board of Directors and ensuring the implementation
below:
of GCG principles by the company. Each member of the Board of Commissioners, including the President Commissioner, has an equal status. The president commissioner coordinates the board’s activities. Composition of Board of Commissioners as of Jan 1, 2014 to May 23, 2014 as follows: Name Mardiasmo Dwijanti Tjahjaningsih*) Agung Kuswandono Amanah Abdulkadir Sahala Lumban Gaol Maulana Ibrahim
Position President Commissioner Commissioner Commissioner Independent Commissioner Independent Commissioner Independent Commissioner
Domicile
Date of assignment
Date of approval of BI/OJK
Date of reassignment
Indonesia
27 Mar 2013
28 Feb 2014
-
Indonesia Indonesia
19 Apr 2012 28 Dec 2012
20 Nov 2012 28 Jun 2013
-
Indonesia
28 Dec 2012
28 Jun 2013
-
Indonesia
19 Apr 2012
16 Jun 2014
-
Indonesia
27 Mar 2013
8 Dec 2013
-
*)Dwijanti Tjahjaningsih has served up to May 23, 2014 Composition of Board of Commissioners as of May 23, 2014 to December 31, 2014 with 6 members consist of 1 President Commissioner, 2 Commissioners, and 3 Independent Commissioners as follows: Name Mardiasmo Herman Hidayat *) Agung Kuswandono Amanah Abdulkadir Sahala Lumban Gaol Maulana Ibrahim
Position President Commissioner Commissioner Commissioner Independent Commissioner Independent Commissioner Independent Commissioner
Date of assignment
Date of approval of BI/OJK
Date of reassignment
Indonesia
27 Mar 2013
28 Feb 2014
-
Indonesia Indonesia
21 May 2014 28 Dec 2012
28 Jun 2013
-
Indonesia
28 Dec 2012
28 Jun 2013
-
Indonesia
19 Apr 2012
16 Jun 2014
-
Indonesia
27 Mar 2013
8 Dec 2013
-
Domicile
*) Herman Hidayat was appointed as member of board of commissioners according to EGMS resolution dated 23 May 2014, and will be effectively assigned after obtaining BI/OJK approval
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Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
2014 Sustainability Report
Board of Directors Tasks of the Board of Directors (BOD) are to run, maintain, and manage assets and represent the Company in judicial and non-judicial affairs. BOD is bound by collegial responsibility in managing the Company to maximize value drivers for the Company’s improved profitability and sustained market value. Each member of the Board of Directors, including President Director, has an equal status. President Director’s main task is to coordinate the activities of the Board of Directors. The Board of Directors is authorized in making decisions, including those made in Board of Directors meetings, and acting upon the decisions in accordance with their capacity, while upholding collegial responsibility. Any member of the Board of Directors will bear the full responsibility for his/her actions other than those laid out in Board of Directors meetings until a Board of Directors meeting approves those actions.
Total Members and Composition of BOD Composition of BOD for period 1 January 2014 to 24 February 2014 is 3 members consists of 1 President Director, and 2 Directors, with details as follows: Name Maryono Irman Alvian Zahiruddin Mansyur Syamsuri Nasution
Position President Director Director Director
Date of assignment
Date of BI/OJK approval
Date of reassignment
Indonesia
28 Dec 2012
18 Mar 2013
-
Indonesia Indonesia
28 Dec 2012
18 Mar 2013
28 Dec 2012 -
Domicile
Composition of BOD for period 25 February 2014 to 31 December 2014 is 6 members consists of 1 President Director and 5 Director, with detail as follows: Name Maryono Irman Alvian Zahiruddin Mansyur Syamsuri Nasution Hulmansyah Rico Rizal Budidarmo Iman Nugroho Soeko
BTN Terdepan GCG Rumahkoe
Position President Director Director Director Director Director Director
Date of assignment
Date of BI/OJK approval
Date of reassignment
Indonesia
28 Dec 2012
18 Mar 2013
-
Indonesia Indonesia Indonesia Indonesia Indonesia
28 Dec 2012 25 Feb 2014 25 Feb 2014 25 Feb 2014
18 Mar 2013 16 Jun 2014 16 Jun 2014 16 Jun 2014
28 Dec 2012 -
Domicile
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
43
Development For The Board of Commissioners and The Board of Directors The company continues to develop competencies of all employees. Throughout 2014, The BOC had participated in several trainings, conferences, seminars or workshops, as follows: [G4-43] Training of BoC in 2014 Name
Position
Training Material Pelatihan Proses PHK dan Perhitungan Pesangon
Pelatihan “Coaching Clinic” Integrated Talent Management
Amanah Abdulkadir
Independent Commisioner
Training Design dan Implementasi PP/PKB yang Efektif Berbasis Strategi Bisnis dan Kompetensi Perusahaan Housing Finance in a Changing Global Environment
Organizer
Place & Time
Seminarku Seminar & Training Ticket Box Jl. Raya Semanan No. 50A Jakarta barat LA Learning Jl. Taman Paris 1, Karawaci Seminarku Seminar & Training Ticket Box Jl. Raya Semanan No. 50A Jakarta barat Wharton Uiversity of Pennsylvania
LA Learning Jl. Taman Paris 1, Karawaci Association of Training National Conference Fraud (NAFC) 2014 dan Kongres III ACFE Certified Examiners (ACFE) Indonesia Chapter Indonesia Bank Risk Management Program IBI dan LSPP Executives Implementasi Basel III di Indonesia : Sebuah Penjelasan Taktis Mengenai Rencana BSMR Penerapan Basel III di bawah Otoritas Jasa Keuangan (OJK) Workshop ALM Liquidity Risk BSMR Management Kegiatan Enterprise Risk Center For Risk Management Benchmarking in Management Studies Europe (Netherlands, Belgium, (CRMS) Indonesia France, Switzerland) Ethos & Corporate Culture Conference 2014
Agung Kuswandono
Maulana Ibrahim
Commisioner
Independent Commisioner
Sahala Lumban Independent Gaol Commisioner
Hotel Amaris Thamrin City, 23 Januari 2014
Hotel Santika Jakarta, 2526 Februari 2014
Hotel Ibis- Thamrin, 15 April 2014 Wharton School- Amerika Serikat, 2 Juni – 12 Juni 2014 Hotel Santika – Jakarta, 11 – 12 November 2014 The Hotel Sahid Rich, Yogyakarta, Senin s/d Rabu, 1 s/d 3 Desember 2014 Hongkong, 27 s/d 28 November 2014 Hotel Grand Hyatt- Jakarta, 21 April 2014 Sydney- Australia, 14 – 15 Mei 2014 Netherlands, Belgium, France, Switzerland, 21 s/d 28 September 2014
Kegiatan Indonesia International Conference on Islamic Finance
Otoritas Jasa Keuangan (OJK)
JW. Marriot Hotel Surabaya, 3 s/d 4 November 2014
Implementasi Basel III di Indonesia : Sebuah Penjelasan Taktis Mengenai Rencana Penerapan Basel III di bawah Otoritas Jasa Keuangan (OJK)
BSMR
Hotel Grand Hyatt- Jakarta, 21 April 2014
Executive International Conference
Banker Association Moscow, Novgorood dan for Risk Management St. Pittersburg, Rusia, 13 (BaRA) 21 September 2014
To support the BOD in performing their tasks, throughout 2014 the BOC had participated in several trainings, conferences, seminars or workshops, as follows:
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Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
2014 Sustainability Report
BOD Training of 2014 Name
Position
Training Material
Maryono
President Director
Executive International Conference
Mansyur S. Nasution
Director
Bank Risk management Program Executives
Irman Alvian Zahiruddin
Director
The Aligning Strategy and Sales (ALIGN)
Hulmansyah
Director
Iman Nugroho Director Soeko
Rico Rizal Budidarmo
Director
Banks 3.0 : Reshaping and Aligning Banking Business Towards the ASEAN Economic Community 2020 Real Estate Management Program : Finance, Design and Leadership Intensive Wealth Management and Risk management Refreshment Program for Executives- Rotherdam Making Corporate Boards More Effective
BTN Terdepan GCG Rumahkoe
Organizer Training
Place & Time
Banker Association Moscow, Novgorood dan for Risk management St. Pittersburg, Rusia, 13 (BaRA) 21 September 2014 Hongkong 27 s/d , 28 IBI and LSPP November 2014 HBS Campus, Boston, Harvard Business Amerika Serikat, 7 s/d 12 School Desember 2014 PERBANAS
Hotel Shangri-La, Jakarta, 25-Nov-14
Harvard Business School
HBS Campus, Boston, Amerika Serikat, 14 s/d 18 Oktober 2014
Erasmus University
Amsterdam and Brussels, 10 s/d 17 Mei 2014
Harvard Business School
HBS Campus, Boston, Amerika Serikat, 5 - 8 November 2014
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
Performance Appraisal and Renumeration of BoC and BoD Performance Assessment Criteria For BoC and BoD [G4-44]
Company and Shareholders in particular, as well as other stakeholders in general. Meanwhile, indicators or performance or so-called Key Performance Indicators
Indicators used to assess the performance of the
(KPIs) that are used to measure the performance of the
BOC is the implementation of functions of the Board
Board of Directors, consisting of 4 (four) perspective,
of Commissioners in monitoring and advising the
namely:
Company’s Board of Directors for the sake of The Objectives Strategy
Key Performance Indicators Financial Perpective
Sustainable Value to Shareholder
ROA, ROE, CIR, and LFR Ratio
Growth and Balance of Fund Composition
CASA Ration and DPK Growth
Growth and Balance of Loan Composition
Loan Growth and Loan Composition of Non-Housing
Quality of Loan
Gross and Nett NPL Customer Perpective
Forefront as Market Leader
Market Share Increment
Forefront in Excellent Service
Service Index Business Process Perpective
Network Optimization
Amount of Transaction and Network
GCG Improvement
GCG INDEX Learning And Growth Perpective
Corporate Culture Building
Culture Asessment Index
Human Capital Development
Engagement Employee Index
The assessor for the performance of the Board of Commissioners is GMS, while the assessor for the performance of the Board of Directors is the Board of
Remuneration of the Board of Commissioners and the Board of Directors [G4-51, G4-52, G4-53]
Commissioners and GMS. In its assessment of the Board of Directors, the Board of Commissioners refers to the
Company sets the remuneration for the Board of
Key Performance Indicators of the Board of Directors
Commissioners referring to the Regulation of the Minister
as described above. The Board of Commissioners and
of State Owned Enterprises No. PER-04/MBU/2014 dated
the Board of Directors will later report their work for
March 10, 2014 regarding Guidance for Remuneration
the 2014 period, including the execution of tasks and
of Board of Directors, Board of Commissioners, and
responsibility of BoC and BOD in GMS that will be held
Supervisory Board of State Owned Enterprise. According
in 2015.
to this SOE’s regulation, the amount of income of the Board of Commissioners determine by General Meeting of Shareholders (GMS). The procedure of remuneration of the Board of Commissioners and Board of Directors, as follows:
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Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
2014 Sustainability Report
The Board of Commissioners makes recommendations to the Remuneration and Nomination Committee to conduct a study on the remuneration of Board of Commissioners’ members. The Remuneration and Nomination Committee coordinates with the Human Capital Division and relevant working units to prepare the recommendations on the remuneration of BoC and BOD. The Remuneration and Nomination Committee prepares the recommendations on the remuneration of BoC and BOD, and then submit the recommendation to the Board of Commissiones The Board of Commissioners discusses the recommendations of the Remuneration and Nomination Committee on the remuneration of BoC and the Board of Directors The Board of Commissioners submit the recommended remuneration of BoC and BOD in GMS and GMS will grant authority and power to BoC by previously obtaining approval from Shareholders of Dwiwarna Serial A to determine the remuneration of BoC and BoC of BTN.
BoC determine the remuneration of BoC and BOD
The Structure of Remuneration for BoC Comprise
of
honorarium,
allowances
(religious,
transportation, and retirement insurance), facilities (health, legal assistance), tantiem or incentive that can be added with Long Term Incentive (LTI).
The Structure of Remuneration for BOD
and legal assistance), tantiem or incentive that can be added with Long Term Incentive (LTI).
Nominal Rate/Components of Remuneration for the Board of Commissioners and the Board of Directors The remuneration package and other facilities for the Board of Commissioners and the Board of Directors are as follows:
Comprises of salary, allowances (religious, housing, retirement insurance), facilities (official vehicles, health,
BTN Terdepan GCG Rumahkoe
•
The remuneration package and other facilities for BOC and BOD set by the Bank’s General Meeting
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Performance of Sustainable Environment
Performance of Sustainable Social
•
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of Shareholders comprises salaries and bonuses/
total membership of BOD, and amount of the entire
tantiem
remuneration and other facilities are:
Types of remuneration and other facilities for BOC and BOD, which includes total membership of BOC, Amount Received in 1 Year Type of Remuneration and Other Facilities 1.
Board of Commissioners
Board of Directors
Person
Rp Million
Person
Rp Million
6
12,463
6
28,513
a. Can be owned
6
2,116
6
2,627
b. Can not be owned
6
622
6
3,405
Remuneration (salaries, routine allowance, tantiem, and other facilities in the form of non-natura
2.
Other facilities in natura form (residence, transportation, health insurance and many more) **
Total
15,201
34,545
Note: In accordance with Bank Indonesia regulations. • •
* Salaries, bonuses, leave of absence allowances, income tax allowances, clothes assistance, religious observance assistance and retirement insurance premium assistance ** Facilities for the Board of Directors include transportation, communications, and housing, while those for the Board of Commissioners include transportation and communications
One-year Remuneration grouped in the range of income levels is as follows: [G4-54] Amount of Remuneration
Number of BOD
Number of BOC
Above Rp2 billion
6
3
Above Rp1 billion to Rp2 Billion
-
2
Above Rp500 million to Rp1 Billion
-
1
Under Rp500 million 1
-
-
Ratio of the Highest and the Lowest Salary in 2014 [G4-55] Description
Rasio
Highest and lowest salary of the employees
19.82 : 1
Highest and lowest salary of the BOD members
1.11 : 1
Highest and lowest salary of the BOC members
1.11 : 1
Highest salary of BOD members and Highest salary of employees
PT. Bank Tabungan Negara (Persero) Tbk.
2.86 : 1
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Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
2014 Sustainability Report
Ethics, Integrity, and Conflict of Interest Code Of Conduct [G4-42, G4-56]
and business ethics so that the employees of Bank BTN can assess the desirable human behavior and
In conducting its business, Bank BTN always strives to
help to give consideration if facing doubt in taking
implement Code of Conduct in order to support GCG
action.
implementation at all levels of the Bank’s organization.
•
Provide a basic guide for all levels and ranks of the Bank’s organization in implementing standards of behavior and business ethics when performing
The existence of Code of Conduct
interaction between employees and employees, customers,
The existence of Code of Conduct of Bank BTN is intended, among other things to: •
•
•
Implement the company’s values into employee
investors
(shareholders),
suppliers,
the government, environment and all other stakeholders. •
As a real effort to improve the Bank‘s image in the
conduct standards and business ethics that are
eyes of the community on an ongoing basis so that
aligned with the vision and mission of the Bank.
Bank BTN is not only known through achievement
Describe the company’s values into employee
of figures and good financial performance, but,
conduct standards and business ethics that must
above all, is also known to resort to doing business
be adhered to by all employees of Bank BTN in
in an ethical and dignified manner in reaching the
performing their daily tasks and responsibilities.
achievements.
Describe in detail the employee conduct standards
The Contents of the Company’s Code of Conduct
[G4-57]
The contents of the Company’s Code of Conduct broadly is to regulate the application of codes of conduct and ethical standards business in conjunction with a variety of stakeholders ranging from employees, customers, suppliers of goods and services, competitors, partners, government, society, the media and professional organizations. In essence, these regulations can be explained, among others:
Conflict of Interest Handling [G4-41]
Board of Commissioners, Directors and employees must always avoid the condition, situation, or an appearance of conflict of interest and abuse of office by way of: • Complying with regulations, systems, and established procedures. • In carrying out its duties and responsibilities, the Board of Commissioners and Board of Directors and employees of the Bank must continue to prioritize the company’s economic interest above personal economic interests or family, as well as other parties. • Members of the Board of Commissioners and Board of Directors and employees of the Bank are prohibited from abusing their position for personal interest or gain, family and other parties, by way of: -- Not holding shares/ownership in a business entity that is a partner or a competitor company in an amount that may affect decision-making including husband/wife and children. -- Not having a business directly related to the company›s activities, including husband/wife and children. -- No concurrent positions and jobs in other companies and / or in accordance with applicable regulations, which could result in not objective decision-making. -- Not giving or receiving a loan from goods/service providers and consumers. • In terms of discussion and decision-making that contains elements of conflict of interest the parties concerned are not allowed to participate. • Shareholders who have a conflict of interest must exclude their votes at the General Meeting of Shareholders (GMS) in accordance with the decision taken by the shareholders who do not have a conflict of interest.
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Performance of Sustainable Social
• Each Board and Bank Employee are prohibited from giving or offering something, either directly or indirectly, to public officials and or individuals who represent business partners, which are intended to influence decision making. Giving and • Each Board and Bank Employee are prohibited from accepting anything of interest, either directly or indirectly, Accepting from a business partner, which can influence decision-making: Gifts/Gratuities • Donation by the Bank or the provision of a company asset to a political party or one or more candidates of legislative or executive body, should only be done in accordance with the laws and regulations, within the limits of decency as determined by the Bank, but donations to charity can be justified • Company organs and bank employees must carry out the laws and regulations, as well as the rules of the Bank. • The Board of Commissioners shall ensure that the Bank’s Board of Directors and employees carry out the laws Regulatory and regulations, as well as the rules of the Bank. Compliance • The company must keep records of assets, debts and capital properly in accordance with generally accepted accounting principles Bank employees shall always make use of Bank data and information to improve corporate values and decisionmaking by way of: • Members of the Board of Commissioners and Board of Directors , shareholders and employees f the Bank must maintain the confidentiality of company information in accordance with the laws and regulations and the Bank’s rules and prevalence in the business world. Therefore, the Bank sought a few things, as follows: -- Using proper data security systems . -- Provide information that is relevant and proportionate to the stakeholders by keeping in mind the interests of the Bank. -- Avoid dissemination of data and information to others who do not have any interest, either during work or Confidentiality after stopping work. and company information -- Submit all data related to the company at the time of stopping work. -- Maintaining confidentiality of information of consumers. • Each member of the Board of Commissioners and Board of Directors, shareholders and employees of the Bank are prohibited from misusing information relating to the Bank, including but not limited to, information of takeover plans, business mergers and stock repurchases. • Any former member of the Board of Commissioners and Board of Directors and employees of the Bank shall not disclose confidential information of the company obtained during office, unless the information is needed for examination and investigation in accordance with laws and regulations, or is no longer a secret held by the Bank. Employees shall be neutral toward all political parties by way of: • Not conducting any form of political activity, both within the Bank and outside the Bank unless executing their political rights as citizens. Political activity • Not using the facilities of the Bank for the benefit of certain groups / political parties. • Not carrying, exhibiting, installing, and distributing symbols, images and ornaments of political parties in the environment of the Company
Disclosure and Dissemination of Code of Conduct to All Employees
•
Periodically, business ethics are conveyed to all staff members to be implemented in an orderly manner through Memos and/or Letters from the Director or
•
Code of Conduct is disclosed and/or distributed to
Division responsible for managing business ethics.
all employees via internet by the bank called Access Internal Management Standards (AIMS) with the support of information technology that is easily accessible by all employees at any time.
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2014 Sustainability Report
Internal Audit and Risk Management Internal Audit
refinement of risk management, control, and governance processes.
The position of Internal Audit Division (IAD) in the structure the company is as an independent function
This is done through a proactive, enthusiastic and
that is directly responsible to the President Director and
dynamic approach, effective communication, businesses
serves as a strategic business partner for all levels of
and stakeholders oriented, understanding upon the root
management in order to encourage the achievement of
of the problem and other area that has a high risk, the
the goals and objectives of the Company by evaluating
emphasis on the quality of findings, and recommends
based on risk based audit objectively and as consultant
practical and workable solution.
(resource), particularly concerning the improvement and
Organization Chart as follows: Internal Audit
Quality Assurance Division Head
Audit System Development Dept. Head
Reporting Counterparty Documentation Dept. Head
Auditor Coordinator Head
Internal Audit Quality Assurance
General Audit System Development
External Audit Reporting Monitoring & Counterparty
External Audit Reporting Monitoring & Counterparty
ISO Certification QA
ITC Audit System Development
Internal Audit Reporting Monitoring & Documentation
Internal Audit Reporting Monitoring & Documentation
External Audit Reporting Monitoring & Counterparty Internal Audit Reporting Monitoring & Documentation
Internal Audit Charter
[G4-15]
and Directors No. 03/ DEKOMDIR/BTN/IAD/VI/2011 dated June 30th 2011 relating to “Internal Audit
•
The Company’s Internal Audit Charter determined
Charter PT Bank Tabungan Negara (Persero) Tbk”
based on Joint Decision of Board of Commissioners
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2014 Sustainability Report
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Performance of Sustainable Economy
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Performance of Sustainable Environment
Performance of Sustainable Social
This Internal Audit Charter was intended as a
•
financial and resources security, as well as the
that has to be implemented by the Company as well
consistency and effectiveness on the benefits of the defined activities or programs. •
Audit rating in order to assess the performance
in creating a shared understanding and foundation
of a work unit of the Bank based on the results
of maintaining the level of interest and comitment
of the audit and assessment in finance, accounting, operations and other activities.
IAD’s scope of audit work covers all aspects and
•
Information and technology systems audit to
elements of the Company’s organizational activities.
ensure the assured integrity of the data (true,
The audit work is carried out through risk-based
complete, safe, on time), the effectiveness
audit approach by considering at least 8 risks
and
referring to Bank Indonesia Regulation, namely:
and operational continuity of information
Credit Risk, Market Risk, Liquidity Risk, Operational
technology systems, as well as compliance
Risk, Legal Risk, Reputation Risk, Strategic Risk and
with the requirements of information systems
Compliance Risk.
technology. Including conducting audits on
The scope of audit work by the IAD also includes the
any implementation of the TSI application to
activities of affiliated business entities that directly
ensure that the applications are in accordance
or indirectly can influence a proper realization of the
with established requirements, compliance
Company’s interest.
with prevailing provisions, adequate controls
The scope of work of the IAD includes audit
and the availability of an audit trail / trace, and
and assessment of the effectiveness of risk
to give recommendations regarding controls
management, adequacy and effectiveness of
that needs to be applied;
internal control systems, the quality of performance
•
audit
measurement/size of the functions of Internal Audit
from all parties related to the Company.
•
(operational
management) in order to improve efficiency,
Audit. This Internal Audit Charter was intended also
•
Audit
standard guideline that includes a miminum
as the aspects related to the execution of Internal
•
Operational
51
•
efficiency
of
operating
procedures
Special audit and investigation on the matters
in carrying out the responsibilities outlined, as well
of alleged act or expected indications of fraud/
as the effectiveness of the governance processes by
abuse/manipulation (fraud), embezzlement,
performing:
deviation from the provisions / regulations
Compliance audit towards policies, plans and
internally and externally, and so forth, based
budgets,
on the Instructions of President Director and/
procedures,
regulations,
Company’s
report in finance, accounting and other operational activities; •
or the Board of Commissioners. •
Off-site Monitoring (desk audits) for all activities
Financial audit within the framework of the
in the entire work units of the Bank through the
implementation of accounting and financial
analysis of documents and reports;
statements that are reasonable, reliable, timely,
•
An assessment of the Bank’s wealth security
complete and useful for the benefit of the Bank,
system including resources and funds, as well
general public and Bank Indonesia, including
as ensuring the existence of the Bank’s assets.
verifying the fairness of the presentation of the Company’s financial statements at the end of the fiscal year;
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Application of Risk Management
BTN in 2013 is as follows:
[G4-2, G4-45, G4-46, G4-47]
•
2014 Sustainability Report
Risk profile assessment that includes assessment Inherent Risk and Quality Implementation Risk
The application of Risk Management system at Bank BTN
Management
refers to Bank Indonesia Regulation No. 5/8/PBI/2003 on
activities. The assessment is carried out on 8
the Implementation of Risk Management for Commercial
(Eight) Risks, namely Credit Risk, Market Risk, Risk
Banks as amended by Bank Indonesia Regulation
Liquidity, Operational Risk, Legal Risk, Strategic
(PBI) No. 11/25/PBI/2009 concerning Amendment to
Risk, Compliance Risk and Reputational Risk.
Bank Indonesia Regulation No. 5/8/PBI/2003 on the
KPMR assessment is an assessment of the 4 (four)
Implementation of Risk Management for Commercial
interrelated aspects, namely Risk Governance;
Banks, Circular Letter No. 5/21/DPNP concerning the
Risk Management Framework; Risk Management
Implementation of Risk Management for Commercial
Processes, Adequacy of Human Resources and
Banks as amended by BI Circular Letter No.13/23/DPNP
Adequacy of Management Information Systems;
dated October 25, 2011 concerning Amendment to
and Adequacy of Risk Control System.
(KPMR)
in
Bank’s
operational
5/21/DPNP concerning the Implementation of Risk Management for Commercial Banks, BI Regulation
•
Bank BTN has conducted its own assessment (self-
No. 13/1/PBI / 2011 dated January 5, 2011 on the
assessment) upon the Soundness Level of the Bank
Assessment of Soundness Level of Commercial Banks,
with Risk approach (Risk Based Bank Ratings/RBBR)
Bank Indonesia Circular Letter No. 13/24/DPNP dated
that covered factors of Risk Profile, Good Corporate
October 25, 2011, concerning Assessment of Soundness
Governance (GCG), profitability (earnings), and
Level of Commercial Banks, and other Bank Indonesia
Capital to produce Composite Rating of Bank BTN’s
Regulations related to risk management. Related to that,
Soundness Level.
the new implementation of Risk Management in Bank
Risk Management Division Head
Credit Risk Management Dept. Head
Market Risk Management Dept. Head Market Risk Policy & Procedure Market Risk Assessment & Measurement
Risk Officer Coordinator
Credit Risk Policy & Procedure
Operatioral Risk Policy & Procedure
Division/ Regional/Branch Risk Officer
Credit Risk Assessment & Measurement
Operatioral Risk Assessment & Measurement
Division/ Regional/Branch Risk Officer Support
Line of Command Line of Communication/ Information
BTN Terdepan GCG Rumahkoe
Operational Risk Management Dept. Head
Operatioral Risk Assessment & Measurement
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Bank Risks
53
Regular risk monitoring is done by RMD through DRO, RRO, and BRO to ensure that the work unit
Aligned with Bank Indonesia regulations the risks faced
does credit activities consistently applying the
by Bank BTN are credit risk, market risk, liquidity risk,
provisions of the Standard Operational Procedure
operational risk, legal risk, reputational risk, strategic risk,
(SOP) in accordance with the restrictions set by the
and compliance risk. The explanation of these risks is as
Bank.
follows: Other strategic steps in the implementation of the
•
Credit Risk
Bank’s credit risk management are to spread
Credit risk is a part of overall risk management,
credit risk and control credit concentration by
which refers to Bank Indonesia regulation No.
increasing the loan portfolio and financing outside
11/25/PBI 2009 dated July 1st, 2009 concerning the
the housing sector (non-housing related).
Amendment of Bank Indonesia Regulation No. 5/8/ PBI/2003 concerning the Implementation of Risk
•
Liquidity Risk
Management for Commercial Bank, that stated that
Liquidity risk is the risk due to the inability of the
Credit Risk is the risk that occurs as a result of the
Bank to meet its maturing obligations from cash
failure of the debtor and/or other parties to meet
flow funding sources and/or from high quality liquid
obligations to the Bank.
assets that can be pledged, without disrupting the activities and financial condition of the Bank.
The Bank has reviewed the Risk ManagementPolicy
The inability to obtain cash flow funding sources
Guidelines that also set policies in the field of credit
resulted in Liquidity Risk, that is caused among
risk, among others setting credit risk calculation
others by:
using the standardized approach in accordance with
•
Standardized Approach.
to
generate
cash
flows
from
assets including liquid assets; and/or
18, 2011 regarding Guidelines for Calculation of Risk-Weighted Assets for Credit Risk Using the
Inability
productive assets and derived from the sale of
BI Circular Letter No.13/6/ DPNP dated February •
Inability to generate cash flows derived from the collection of funds, inter-bank transactions, and borrowed funds.
The Bank regularly reviews and updates Risk Management Policy Guidelines and Credit and
In general, main purpose of Liquidity Risk
Financing Policy Guidelines for Bank loans and
Management is to minimize the Bank’s inability to
financing as risk assessment processing.
general cash flow funding. Hence, Bank can meet all of its financial obligation timely as promised as
Credit risk exposures are monitored since the
well as to maintain adequate and optimum level
loan granting process until the loan matures. Risk
of liquidity. Liquidity Risk Management basically
monitoring is to ensure compliance with credit
comprises Active Supervision from the Board of
requirements, collateral adequacy and handling of
Comissioners ad Directors; Policies, Procedures, and
non-performing loans.
Determination of Limit; Risk Management Processes and Risk Management Information System, and Internal Control System.
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Active Supervision from the Board of Commissioners
of specific stress scenarios on the Bank as well as
basically covers Authorities and Responsibilities
general market stress scenario).
of the Board of Commissioners and Directors; Human Resources, and Management Organiztion.
•
Market Risk
While Policies, Procedures, and Determination of
Market risk is the risk on the balance sheet and
Limit in general covers Strategies of Risk Liquidity
off-balance sheet positions, including derivative
Management; Level of Risk that will be taken
transactions, due to overall changes in market
(Risk Appetite), and Risk Tolerance; Policies and
conditions, including the risk of changes in the
Procedures, and Limit.
option price.
Risk Management Processes for Liquidity Risk
In measuring market risk, the Bank uses Standard
comprises process of Liquidity Risk identification,
Method calculations linked to calculatethe Capital
Liquidity
Adequacy Ratio (CAR) for Market Risk. While the
Risk
measurement,
Liquidity
Risk
monitoring with consideration of early warning
exchange rate risk arising from
fluctuations in
indicator to acknowledge potential increased
exchange rates is maintained by keeping the Net
of Bank Liquidity Risk, Liquidity Risk Monitoring
Open Position in accordance with Bank Indonesia
through funding strategies, daily liquidity position
regulations. External shocks are also accommodated
and Liquidity Risk management, management
with stress testing done to see the extent to which
of high-quality liquid assets, and emergency
the Bank can survive with some scenarios of
funding plan, as well as Liquidity Risk Management
changes in external conditions, particularly changes
Information System to support the implementation
in market interest rates.
of the process of identification, measurement, monitoring, and control, and reporting of liquidity
Included with market risk is the risk of price changes
risk under normal or crisis condition in accurate,
of financial instruments due to changes in market
updated, complete, and sustainable manner.
factors, such as changes in interest rates and exchange rate changes.
Internal Control Systems include the application of internal control systems and independent as
•
Operational Risk
well as adequate review of the application of Risk
Operational risk is the risk due to insufficiency and/
Management for liquidity risk carried out by the
or failed internal processes, human error, system
Internal Audit Division and Risk Management
failure, and/or the presence of external events
Division.
affecting the operations of the Bank. the
Operational risks that arise must be immediately
measurement of liquidity risk include liquidity ratio,
anticipated. Backup capital carried out by the Bank
maturity profile, cash flow projections, and Stress
that is calculated based on minimum capital needs
testing (testing of the Bank’s ability to meet the
(CAR) is one of the anticipation steps to prevent the
needs of liquidity in a crisis situation with the use
exposure of Operational Risk disrupting the capital.
Measurement
tools
which
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is
used
in
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Risk Management Division ensures that the Bank In order to calculate the minimum capital
has adequate policies and procedures that must be
requirement for Operational Risk , the Bank has
adhered to and implemented by each operational
adopted the Basic Indicator Approach method, in
unit in carrying out transactions and activities with
accordance with the provisions stipulated in Bank
accuracy, efficient and timely.
Indonesia Circular Letter No. 11/3/DPNP dated January 27, 2009 regarding the Calculation of
•
Legal Risk
Risk Weighted Assets (RWA) for Operational Risk
Legal risk is the risk resulting from the demands
Calculated with the Basic Indicator Approach (PID).
and/or weaknesses of juridical aspects where Legal Risk can be sourced from the juridical aspects
In monitoring Operational Risk, Internal Audit
weakness caused by weak engagement undertaken
function conducted assessments upon internal
by the Bank. The Banks implements Legal Risk
controls on each functional activity, new products
identification based on risk factors which include
or services and Risk Management Division to ensure
lawsuits and juridical aspects weakness.
process of identification, measurement, monitoring and controlling of risks are done effectively on each
Legal Risk measurement is carried out by Risk
functional activity, new product or service.
Management Division jointly with Legal Division (LGD) based on evaluation reports on analysis of
In order to conduct risk identification process, the
law cases individually against contingent liabilities
Bank is currently developing a BTN-Loss Event
arising from the lawsuits.
Database (BTN-LED) application. This BTN - LED application is designed to connect with the Regional
Legal Risk Monitoring carried out by the Risk
Offices and Branch Offices. Thus the Regional
Management
Offices and Branch Offices can periodically transmit
effectiveness of the implementation of policies,
lost event data to each office through the web
procedures and compliance with policies, legal
based online system. The collected data will then be
regulations and Bank’s provisions limit. Monitoring
processed and analyzed. From the processing and
conducted periodically on all Legal Risk positions.
Division
by
evaluating
the
analysis results are expected to be identified the risk exposure map of each Branch Office. Based on the
In implementing legal risk control, LGD provide legal
risk exposure maps obtained, mitigation measures
input and recommendations to each division and
will be taken against the identified risk
work units as well as conduct periodic reviews of
exposure.
the agreements and contracts with counterparties.
Operational Risk mitigation is conducted by
•
Reputation Risk
all Bank units. Compliance with policies and
Reputation risk is the risk due to declining
procedures is one form of Operational Risk
levels of stakeholders trust that is sourced from
mitigation implemented by all Bank work units.
negative perceptions of the Bank. Reputation
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Risk identification is done on the risk factors
•
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Strategic risk
inherent in the functional activities that include
Strategic risk is the Bank’s risk due to inaccuracies
transparency (disclosure requirement), customer
in the decision and/or implementation of a
complaints against Bank service, the behavior of
strategic decision and the failure to anticipate
Bank employees in serving customers, and the
changes in the business environment. Strategic Risk
communication systems of the Bank.
identification performed based on the Strategic Risk factors in certain functional activities, such as
Reputation Risk measurement is done based on the
lending activities, treasury and investment, as well
assessment of Reputation Risk factors. Reputation
as the operations and services through a business
risk of the Bank is managed by Corporate Secretary
plan prepared by the Strategy & Performance
Division (CSD) and Customer Care Division (CCD)
Management Division (SPMD) as the elaboration of
and reported to Bank Indonesia by Customer Care
Public Policy Directors (KUD) .
Division (CCD). Strategic Risk measurement and its measurement In order to monitor Reputational Risk, the Customer
parameters are based on the Bank’s performance
Complaint System (SPN) application has been
by comparing actual results with the set targets.
developed to support customer complaint service
Monitoring done by the Strategic Risk Strategy
and handling which allows online complaint
and Performance Management Division (SPMD)
handling process between the parties related with
periodically to monitor the achievement of
problems at Branch Offices and Head Office. This is
Key Performance Indicator (KPI) and the Risk
useful to ensure sustained customer satisfaction.
Management Division (RMD) which monitors the risk exposure compared with the Bank’s risk
In controlling Reputational Risk, Corporate Secretary
appetite. Furthermore, the Board of Commissioners,
Division is responsible for the implementation of
Directors and Division review the basic strategies
policies related to the handling and settlement
that focus on changes include the Bank’s
of negative news or to avoid counter- productive
organizational structure, commercial lending, trade
information and perform the function of Public
finance, treasury, operations and strengths and
Service Obligation (PSO) in order to implement
weaknesses of the information technology system.
Corporate Social Responsibility (CSR). Corporate Social Responsibility is not just focused on charity
Afterward, the Risk Management Division, business
activities, but also in the form of a continuous
work units, Internal Audit Division, Bank’s branch
program. This is manifested in the form of providing
offices monitor Strategic Risk by comparing the
subsidies loan and the implementation of the
results to be achieved (expected results) with the
Partnership and Community Development Program
actual results, evaluating work unit’s functional
(PKBL).
performance, and ensuring targets achievement (target objective).
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activities include reviewing all penalties, litigations, In controlling Strategic Risk, Strategy & Performance
and customer complaints ever received by the Bank.
Management Division (SPMD) serves to analyze the gap between actual and business targets and deliver the steps that must be made to the Board of Directors on a regular basis.
•
Compliance Risk Compliance risk is the risk due to the failure of
In monitoring Compliance Risk, Risk Management
the Bank in complying with and/or implementing
Division and Compliance Divisionhas the duty to
the laws and regulations in force. In identifying
evaluate the effectiveness of the implementation
Compliance Risk,
Compliance Division (CMPD)
of Compliance Risk management regularly by
thru BCSO conduct a study related to Compliance
monitoring all types of activities that can potentially
Risk exposure with the inherent external provisions
cause Compliance Risk.
in the internal regulations. In addition, the Compliance Division analyze the events that caused the emergence of Compliance Risk and inform them
Risk Management Efforts
to Risk Management Division and Risk Management Comittee to be reviewed.
PT Bank Tabungan Negara (Persero) Tbk as a Bank with primary focus on granting housing loans or housing
In order to minimize the impact of Compliance Risk,
finance, has a portfolio of assets dominated by Housing
Legal Division (LGD) has provided a special portal
Loans (KPR) which is influenced by changes in the
called Internal Access Management Standards
external business climate such as inflation and BI Rate
(AIMS) to facilitate the entire work units to access to
level.
the internal regulations of the Bank.In addition, the Compliance Division conductmonitoring of events
The efforts to minimize the negative impact of risk
that led to the emergence of Compliance Risk and
management are carried out by day to day risk
inform the matter to the Risk Management Division.
management activities, in accordance with Good Corporate Governance (GCG) principles to ensure that
Compliance Risk measurement is performed to
all processes and mechanisms involved in achieving the
measure potential losses caused by noncompliance
objectives of the company have prevented the company
and inability of the Bank to comply with applicable
from irregularities and risks that can lead to failure in
external regulations. Compliance Risk magnitude
achieving corporate goals, as well as based on prudential
is estimated based on the Bank ‘s ability to meet all
principles to ensure healthy and sustainable Bank
regulations at the time of the past and future. These
performance growth.
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As a follow up of the implementation of Pillar 1 of Basel
Risk Stress testing has been done once a year, market
II, the Bank has implemented credit risk measurement
risk stress testing twice a year and stress testing done on
using the Standardized Approach in accordance with BI
Liquidity Risk on the risk profile report.
2014 Sustainability Report
Circular Letter No. 13/6/DPNP dated February 18, 2011 regarding Guidelines for Calculation of Risk Weighted
The Bank also has conducted a review of the Risk
Assets (RWA) for Credit Risk Using the Standardized
Management Policy Manual (PKMR) in order to improve
Approach. Apart from that, the Bank has also made
the function of Risk control system at least 1 (one) time a
calculation of minimum capital requirements using
year. Henceforth, relating to the plan for implementation
the Basic Indicator Approach for Operational Risk
of Basel III the Bank has made the preparations for
in accordance with BI Circular Letter No. 11/3/DPNP
implementation of Basel III framework and engage in
dated January 27, 2009 concerning the Calculation of
working group under the coordination of Bank Indonesia.
Risk Weighted Assets (RWA) for Operational Risk. The use of the Standardized Model for Market Risk is in accordance with BI Circular Letter No. 9/33/DPNP dated
Improvement and Refinement of Risk Management
December 18, 2007 concerning Guidelines for Use of the Standardized Method in the Calculation of Minimum
The increment of risk awareness based on GCG
Capital Requirements for Commercial Banks by taking
principles within the company is carried out through
into account Market Risk
risk management certification education for all officials of the Bank and improvement of technical competency
In order to complete the risk measurement, especially
for Analysts, Officer Development Program, Supporting
credit risk and liquidity risk, the Bank conducts a periodic
Staff,Business Process Staff, General Banking Staff
stress testing to assess capital adequacy in terms
through the delivery of risk management modules. In
of the occurrence of events that are extreme risk or
addition, Risk Management Division has socialized the
catastrophy. Currently, the stress tests conducted by the
latest revision of the Risk Management Policy Manual to
bank focused on 3 (three) types of risk; credit risk, market
all work units.
risk (including interest rate risk) and liquidity risk. Credit
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Whistleblowing System Whistleblowing System (WBS) is part of the internal
The complaint/disclosure report at least contains several
control system in preventing the occurrence of irregular
aspects, as follows:
practices and aims to:
•
• •
What: Describe in as much detail as possible:
Conduct early detection and prevention of the
What happened and roughly violated which
occurrence of irregularities or violations;
provisions?
Gradually creating a working environment that is
What do you see or know and roughly violated
open, sincere, honest and responsible at Bank BTN.
which provisions? •
Who: Describe in as much detail as possible: Who are involved in the alleged violation
Submission of Violation Report
event? Besides you, who are also aware of this
[G4-58]
alleged violation incident? The mechanism built by Bank BTN in implementing the
•
When: Describe in as much detail as possible:
WBS is the complainant to make a complaint/disclosure
When did you know the occurrence the alleged
and send it:
violation event?
•
If the alleged offender is an employee of Bank
Explain why you are new to report right now (if there
BTN, the alleged violation report is directed to the
is a long time gap of more than 1 month)
SPP/WBS team. The report may be made orally
•
Where: Describe in as much detail as possible:
or through other modes felt comfortable by the
Where the alleged violation was committed?
Reporting Person.
Is there a series of events related to this incident that you know?
•
If the alleged offender is a member of the SPP/WBS
•
How: Describe in as much detail as possible:
team, the alleged violation report is sent directly to
How was the process of occurrence of the alleged
the President Director of Bank BTN in Head Office
violation incident?
marked “CONFIDENTIAL” or “CLASSIFIED” in the
How do you think the perpetrators of the alleged
cover letter.
violation did the mode/means of the violation (whether by markups, commissions, kickbacks,
•
If the alleged offender is a member of the Board
extortion, or other modes)
of Directors or his/her family, the alleged violation report is sent directly the SPP/WBS Team which will the Board of Commissioners.
Informant Protection (Whistleblower)
If the alleged offender is a member of the Board
Bank BTN provides the following protections to the
of Commissioners or his/her family, the alleged
informant with good intention:
violation report is sent directly to the SP/WBS Team
•
forward it to the President Director for reporting to
•
which will forward it to the President Director.
Provision of reporting communication channel (oral, telephone, email) that is free and confidential or provision of an independent and confidential
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Ombudsman. Through this communication channel
declared open. If not, the existing records and files will
the Reporting Person will get follow-up information
remain confidential and should not be opened.
2014 Sustainability Report
on the handling of the alleged violations report submitted; •
Assurance of Reporting Person’s anonymity, unless
Complaint Handling
there is a legal requirement that requires the identity opened in the presence of the judge; •
•
WBS Team receives complaints/ disclosures, record
Protection from retaliation of the Party or the
them in a standard format that results in:
organization reported. This protection may include:
•
•
•
herself or his/her family; •
Disclosure Report.
Protection of his/her property and his family against terror or retaliation experienced;
•
Contact acceptance reports by scope category of complaints/disclosures.
Physical protection either against himself/
•
categories reported).
promotion delays, dismissal, exclusion in the workplace, not viable mutations, including job security, and so forth.
WBS Team submits a disclosure report to the Board of Commissioners/Directors (in accordance with the
Administrative protection in the form of •
WBS Team conducts an initial review/ clarification of the complaints/disclosures and makes its resume, then report it to the Board of Commissioners/
WBS Management [G4-SO3]
Directors (in accordance with the categories reported). Based on the results of the report, the Board Of Commissioners/Directors decided
Bank BTN’s WBS is managed by the WBS Team, as follows:
followup, as follows:
•
•
Head of Internal Audit Division (Chairperson & Member)
•
Head of the Legal Division (Secretary)
•
Head of Corporate Secretary Division (Member)
•
Head of Human Capital Division (Member)
Discontinued, if it does not meet the requirements of the initial indication.
•
Working closely with the Internal Auditor in accordance with the substance of complaints/ disclosures.
•
In collaboration with external investigators
All task execution processes in the Violation Reporting
if the substance of complaints/disclosures is
System (Whistleblowing System) is confidential so that
related to the image/ reputation of Bank BTN
all Team members shall maintain the confidentiality
and/or cause great harm and/or have not been
of the process, until indeed it should or can be legally
acted upon by the Internal Auditor.
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Investigation Team conducts an investigation and
•
reports the results to the Board of Commissioners/
61
The process of initial evaluation/clarification and investigation is recorded in the Minutes.
Directors. Based on the report, the Board of Commissioners/Directors decided: •
The disclosure report is closed, if it is not proven.
•
Provide appropriate sanctions in accordance with applicable provisions, if proven and
•
•
WBS Team reports the results of the investigation to the Board of Commissioners/Directors.
•
Based
on
the
decision
of
the
Board
of
relevant by administrative measures.
Commissioners and the Board of Directors and
Forward the criminal offense to investigators
by certain considerations, the Bank may award
for further proceedings, if proven and linked
the complainant. The shape and type of award is
to general criminal acts or corruption. In this
determined by the Board of Commissioners and
case, the WBS team coordinates with Legal and
Board of Directors.
Loan Document Desk in order to ensure that there is sufficient evidence and if the evidence is sufficient to recommend to the Board of Directors for approval.
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Performance of Sustainable Environment
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BTN Cares
Environmental sustainability is a global issue that requires
In this case, the environmental aspect could be the
commitment and shared responsibility. Not only for
center of attention.
each individual, concern for the environment is also the responsibility of every institution, corporate/company,
In addition to environmental aspects, other aspects of
even nation. Without that commitment, environment
loan distribution are legal aspect, marketing aspect,
will experience more damage and unhealthy for human
financial aspect, technical aspect, management aspects
life.
and principles of credit, namely ability (capacity), willingness (character), and guarantees (collateral).
Bank BTN (Persero) Tbk as members of the world’s society is committed to preserve environment by carrying
As an illustration of the Company’s efforts to minimize
out a number of policies. Because the Company is
environmental damage, Bank BTN will not disburse
engaged in funding/lending, then steps can be taken
loans if the customer whose business requires the
are incorporating environmental aspects in checking
Environmental Impact Analysis (EIA/Amdal), but does
the credit risk. The policies are more important because
not attach the results of the EIA. Company’s firmness also
the Company has credit and financing services in the
can be seen in cases of customers whose business has a
economic sector, among others in housing and mining.
high risk in term of environmental aspects. For example,
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
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Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment
Performance of Sustainable Social
the area under cultivation or built is near protected forest
must be proper, not red, and especially black. Therefore,
areas or cultural heritage.
in addition to EIA, checking the waste management installation is also conducted during a visit tolocation.
For the sake of cautiousness and to avoid credit risk,
In this case, the better reputation that the customer
the Company still conducts field inspection to validate
has, the opportunities for lending will be more open.
customers who already includes results of EIA. Bank BTN’s
If the customer has a good reputation in term of the
concern toward the preservation of the environment
environment, the Company will also earn a better the
continue to be improved in line with the policy outlined
reputation.
by the Bank Indonesia and the Financial Services Authority (FSA). Explicitly, the two institutions are urging banks to pay attention to EIA issues before pouring loans to customers, both personal and corporate. [G4-EN27] Related to the environment, the Company alsoconsiders the importance of requirement, i.e. customers also
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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2014 Sustainability Report
Initiatives to Care More Bank BTN’s concern to aspects of environmental sustainability when related to credit/financing also
General and Administrative Expense (in billion) 2014
2013
2012
Repair and Maintainance
483,956
419,009
304,381
Promotion
508,539
410,682
274,966
Rental Depreciation (Noted 11) Electrity, Water, and Communication Office Expense Transportation Professional services Others Total
337,687
287,692
236,380
225,741
279,446
266,621
231,737
157,999
169,555
shown in daily operational activities in the office. In this matter, the basic principles held are to reduce or rescue, reuse, and recycle. [G4-EN2] This concern for the environment, among others,realized by the issuance of policies by management to make savings,reuse,
and
recycling.
However,
in
2014
Sustainability Report, the Company cannotpresent detailed data yet, including using the appropriate unit. The Company established that year of 2015 is the initial stage for the initiatives of various aspects related to the environmental performance. By doing so, it is expected that the next report can deliver environmental
124,495 112,212 98,634 95,713 70,065 51,197 17,680 15,153 23,907 97,282 31,804 37,116 2,122,830 1,784,062 1,462,757
performance, completed with the appropriate unit. For example, electricity in kilowatt-hour (KWH), or water in
In practice, for energy savings, the Company stressed the
cubic meters. [G4-EN3, G4-EN4, G4-EN8]
importance of saving. For example, replacing bulbs with energy-saving type that is more efficient. Bank BTN also
In 2014, for instance, the Company still calculated various
follow 2014 Earth Hour by turning off the lights at 20.30-
components that should besaved or reduced, also
21:30 pm on March 29, 2014.
recycled, into General and Administrative Expenses post. Electricity, water and communication, for example, in
Other effort taken to reduce energy use is to reduce
2014 were Rp231.737 billion, up 47% from the previous
the intensity of the face-to-face meeting and have
year, at Rp157.999 billion. Meanwhile, office expenses,
more meetings by using technology, for example
including paper, amounted Rp124.495 billion, up 11%
through teleconferencing. This alternative reduces the
from Rp112.212 billion in 2013. Therefore between one
use of fuelfor the transportation of participants of the
component with the other is still mixed, hence analysis
meeting. Therefore, they can participate in a meeting in
of the components that go up or depreciate are not yet
their working place, without the need to go elsewhere.
possible to do. [G4-EN6, G4-EN7]
Besides energy efficient, meeting by teleconference can also reduce the exhaust emissions of motor vehicles.
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
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Performance of Sustainable Social
Emission reductions are also conducted by the Company
Another step taken to show the Company’s awareness
with routine emissions testing for operational vehicles
for the environment is to reduce the use of paper by
and select the use of high-octane fuel because it is
implementing
more environmentally friendly. Emissions test are also
various documents and company regulations are stored
conducted regularly on the Company’s generator.
in an online server and intranet. The use of greeting cards
Another policy is to rejuvenate the vehicle to make it
has been replaced with electronic greeting. In fact, the
more environmentally friendly. Prompts for employees
printing of the Annual Report and Sustainability Report
to take public transportation or ride a bike to work also
continues to be reduced and replaced with e-book. If
continue to be encouraged.
forced to use paper, then the Company sought to use
paperless
administration. Therefore,
back and forth, or if possible to use used-paper. As for reducing the greenhouse gas effect, the Company has replaced synthetic refrigerant Freon R-22 with a
In terms of banking services, paper saving can be
more environmentally friendly refrigerant for coolant
done through various policies. For example, publishes
engine/temperature control room. While to reduce
an electronic newspaper accounts, banking services
global warming, Bank BTN also intensified tree planting,
via short message service, phone banking, etc. If
afforestation or construction of city parks. More details
withdrawals, transfers, payment transactions and other
about these activities can be read in the report on
transactions could be done with electronic devices, then
Responsibility Corporate Social (CSR) in the field of
the customer does not need to come to the automated
Nature Conservation. [G4-EN15, G4-EN16, G4-EN17, G4-
teller machine (ATM). As a result, the use of ATM paper
EN18, G4-EN19, G4-EN20, G4-EN21]
also could be saved.
Recycling is done on various equipment that is no longer
Besides encouraging all the people of BTN to maintain
used, such as paper or stationery. The old computers
and preserve the environment by various internal
that are replaced with the newest version are donated
policies, the Company also continues to educate
to a number of institutions or social foundations. Or,
customers regarding the importance of environmental
if employees are interested, they can buy them by
sustainability. It is important because Bank BTN believes
participating in auctions.
that environmental sustainability will be more retained if there is a shared commitment to do that.
For toxic waste obtained from the Company’s daily operational activities, namely the used oil from generators, the Company handed it over to a third party who has a permit from the Ministry of Environment.
PT. Bank Tabungan Negara (Persero) Tbk.
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BTN Terdepan GCG Rumahkoe
2014 Sustainability Report
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
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Performance of Sustainable Social
69
Performance of Sustainable Economy
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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Economic Direct Impact Business Pillars of Bank BTN
2014 Sustainability Report
[G4-EC1]
2010 on Housing Procurement through Credit/Financing of Welfare Home Ownership (Kepemilikan Rumah
The fulfillment of the housing needs for Indonesian citizen
Sejahtera) with Finance Liquidity Fund Aid Facility, as
is a shared responsibility. Government, developers, and
well as the MoU between Company with Ministry of
banks need to unify vision in realizing this need.
Public Housing No. 10/DP/PKS/2012 and No. 24 /MOU/
Backlog (unmet demand) housing Indonesia does offer
DIR/2012 dated October 18, 2012 regarding Housing
its own challenges. Until now the backlog is estimated
Finance Liquidity Fund Distribution Facility (FLPP) in
that more than 15 million housing units still needs to
the context of Housing Procurement through Credit/
be fulfilled by government. As a result, it requires the
Financing of Welfare Home Ownership (Kepemilikan
participation of many parties to overcome the housing
Rumah Sejahtera), Bank BTN has been appointed as
problem in Indonesia.
one of the channeling banks of KPR Sejahtera with FLPP support.
Bank BTN continues to provide full support toward any efforts taken to meet the housing needs of Indonesian
Thus, the agency that provides this kind of financing is
citizen. The Company also continues to perform
not only limited to Bank BTN, but also other Government-
transformation in order to provide maximum service
Owned Banks, Private Banks and Regional Development
to society. One of them was by establishing Housing
Banks, so that the nature of business is free competition.
Financial Center to provide information for public
Bank BTN’s Nature of Business is more focused on
regarding housing conditions (price, good location, and
the provision of housing loans that is not limited to
so on) based on the results of research.
subsidized loans with consistent adherence to prudential banking practices supported by increased collection of
Bank BTN also re-launched BTN Housing Saving product.
retail funds.
As the “Home for Financial Solution in Life “, Bank BTN want to give a commitment as a pioneer in housing
On the basis of such nature of business, Bank BTN divides
saving in Indonesia with the launching of BTN Housing
its products and services into three major parts, namely:
Saving Cumulatively, BTN has provided mortgages to
Consumer Banking, Commercial Banking and Sharia
more than 3.5 million people across Indonesia. This is an
Banking.
inevitable evidence of Bank BTN’s commitment to realize the dream of all Indonesian citizens to acquire their
The Company has separated mortgages with consumer
dream house.
lending and retail funding in director level, in order to further strengthen mortgage business as the core
Bank BTN has been designated by the Government as
business of Bank BTN. The segregation of mortgages
Housing Finance Institution to help middle to lower
with consumer lending is also performed at the division
communities in channeling Subsidized Mortgages
level through the formation of subsidized mortgages,
based on Minister of Finance Letter Number B-49/MK/
which is separated from non-subsidized mortgages. To
IV/1/1974 dated January 29, 1974 regarding mortgages.
support the promotion of MSME portfolio at the division
This is continued in the implementation of distribution
level, small and micro lending is established separately
of subsidized Mortgages programs, particularly Interest
from commercial lending.
Difference Subsidized Mortgages and Down Payment Subsidy.
Each field/part operates their respective business through lending, funding, and services associated with its scope.
Starting in 2010, in accordance with Minister of Public
However, Bank BTN’s core business is in housing finance.
Housing Regulation No. 14, 2010 dated September 3,
This is evident from the Bank’s loan portfolio in 2014 that
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
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71
was 88.6 % in housing finance sector. In fact, by the end
intense competition in mortgage industry in Indonesia.
of 2014, Bank BTN remained the largest distributor Bank
While in the subsidized loan segment for low-income
of housing loans in Indonesia. The market share of Bank
community, the Company has a dominant market
BTN as market leader of housing finance (mortgages)
share by 95% based on the amount of loans disbursed
in Indonesia reached 24%. This shows the success of
throughout 2014, which amounted to Rp7.96 trillion.
Bank BTN in increasing its market share in the middle of As of December 31, 2014, the Company was successful in keeping its position among the 10th Biggest bank in Indonesia in terms of total assets and loans. Total assets of the Company amounted to Rp144.58 trillion in 2014, or an increase by 10.38% from Rp131.17 trillion in 2013. While the total loans disbursed by the Company in 2014 amounted to Rp116.30 trillion, up 15.8% compared to the preceding year.
Bank BTN Loans Position Type of Lons
Housing Loans
31 Dec 10 31 Dec 11 Rp Billion Rp Billion 46,710 55,805
31 Dec 12 31 Dec 13 31 Dec 14 ∆ yoy (%) Rp Billion Rp Billion Rp Billion 70,223 87,005 102,614 17.94
• Subsidized Mortgage
21,945
25,804
25,562
28,429
34,347
20.82
• Non-Subsidized Mortgage
15,635
18,611
29,129
39,548
45,601
15.31
• Other Housing Loans
3,611
4,199
6,070
7,198
8,179
13.63
• Construction Loans
5,519
7,191
9,462
11,829
14,486
22.47
Non-Housing Loans
4,840
7,759
11,187
13,463
13,302
(1.19)
• Consumer Loans
1,398
1,463
1,923
2,597
2,916
12.30
• Commercial Loans
3,442
6,296
9,264
10,865
10,386
(4.41)
51,550
63,564
81,411
100,467
115,916
15.38
Total Loans *) including sharia financing
Bank BTN Loan Disbursement Type of Lons Housing Loans • Subsidized Mortgage • Non-Subsidized Mortgage • Other Housing Loans • Construction Loans
Non-Housing Loans • Consumer Loans • Commercial Loans
Total Loans
2010 16,954 4,727 5,324 1,680 5,223 4,117
2011 18,789 5,896 5,340 1,540 6,013 6,384
Year 2012 28,041 4,213 12,479 2,659 8,690 9,679
743 3,374 21,071
900 5,484 25,173
1,809 7,870 37,720
(Rp Billion)
2013 33,955 6,506 14,286 2,500 10,663 10,338
2014 34,029 7,960 12,629 2,416 11,023 7,523
2,389 7,949 44,293
2,564 4,959 41,552
*) including sharia financing
Subsidized Mortgages
Low Income People (MBR), Bank BTN has been appointed by the Government of the Republic of Indonesia since
In order to support the success of Government program
1974 as one of the institutions to channel Housing Loans
implementation with regards to provision of housing
(Mortgages). Distribution of the first Mortgages was
facilities for Indonesian communities, in particular for
made in 1976. [G4-EC8]
PT. Bank Tabungan Negara (Persero) Tbk.
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2014 Sustainability Report
Subsidy schemes provided by the Government, in this
trillion or as many as 7,292 housing units through Sharia
case the Ministry of Public Housing, have been amended
Business Unit. When compared with the distribution of
several times since first introduced in 1976 up to now.
Subsidized Mortgages in 2013, the figure experienced an increase by 22.03%. For that reason, Bank BTN still leads
Before October 2010, the Government had two
the market of Subsidized Mortgage with market share of
subsidized mortgages programs, namely Down Payment
95%.
Subsidy (SUM) and Interest Difference Subsidy (SSB) and SSB-IOBP. Since October 1, 2010, the Government has introduced a new scheme for Subsidized Mortgages,
Development of Subsidized Mortgage Disbursement (Rp billion)
namely Housing Finance Liquidity Facility (FLPP).
7,345
Subsidized Mortgages in FLPP program is managed by the Housing Finance Center Public Service Board (BLU -
6,019
PPP). Since 2010, Government has changed the financing scheme of Subsidized Mortgages into Housing Finance Liquidity Facility (FLPP) in which the finance resources comes from government and banks. At present, the
3,989
number of banks collaborating in Subsidized Mortgages distribution is 25 banks. Subsidized Mortgages interest rate is decided by the government, by considering the macroeconomic condition and banking interest rate.
12
Mortgages for the lower middle-income communities. On the other hand, distribution of loans is carried out
13
20
The Company is always committed to provide Subsidized
14
20
20
Development of Subsidized Mortgage Position (Rp billion)
in accordance with prudential principles taking into
32,668
account the risk profile return, and to remain competitive 27,256
with the banking industry, because all existing national banks can provide the same Subsidized Mortgages.
24,799
Although at present many Banks have participated in the financing of housing subsidy through this FLPP scheme, but as a bank which since 1976 has been committed to assist the government with this program, Bank BTN still leads the market with a dominant market share. This is evidenced by the Company’s achievement in the Subsidized Mortgages sector. Throughout 2014, Bank BTN managed to channel Subsidized Mortgages amounting to Rp7.34 trillion, or as many as 85,315 housing units through Conventional Banks and Rp615.79
BTN Terdepan GCG Rumahkoe
12
20
13
20
14
20
*) Data combined conventional and sharia
PT. Bank Tabungan Negara (Persero) Tbk.
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Non-Subsidized Mortgages
form of our support in facilitating customer needs to own an apartment. KPA BTN is an apartment loan
Bank BTN has developed a mortgages portfolio for the
for the purpose of purchasing an apartment, either
upper middle segment of customers through non-
new or used apartment, un-finished apartment
subsidized
(indent) or loan take-over from another bank.
Mortgages.
Non-subsidized
Mortgages
services consist of various products, housing mortgage
The advantages of KPA BTN are its competitive
(KPR)&apartment mortage (KPA), as well as shophouse
interest rate, quick and easy process, very flexible
mortgage (Kredit Ruko) as follows:
term, life insurance, fire insurance, earthquake insurance, and has a large network with developers
1. KPR BTN Platinum As the housing finance leading bank, the Company
in major cities nation wide, also accompanied by very attractive promotional programs.
presents KPR BTN Platinum as a solution for the Indonesian family to have a dream home. KPR BTN
The maximum financing of KPA BTN is up to
Platinum is a housing loan from the Company for
80% from the lowest value of selling price after
the purpose of home purchase from a developer
discounted with fair market value based on Bank
or non-developer, for the purchase of new or used
appraisal for the building with land area of more
house, or unfinished house purchase (indent) and
than 70m2 or 70% for the building with land area
loan take-over from another bank.
of less than 70m2. Prevailing interest rate is floating rate with a maximum term of 15 years. Throughout
The advantages of KPR BTN Platinum are its
2014, The Company channeled 1,047 KPA BTN units
competitive interest rate, quick and easy process,
(2013:2,066 units) with a total value of Rp 295.86
very flexible term, life insurance, fire insurance, and
billion.
earthquake insurance, and has an a large network with developers nation wide.
3. Kredit Ruko BTN (Shophouse Mortgage) The Company believes that a business place is an
Bank BTN provides financing up to 80% of the
integral business media for entrepreneurs with
lowest value between selling price of the house
their business partners. To that end, The Company
after discounted and fair market value, based on
presents Kredit Ruko BTN with beneficial facilities
appraisal by the Bank for a house with land area of
for entrepreneurs to have a place of business and
more than 70m2 or 70% for a house with land area
residence at the same time.
of less than 70m2. Prevailing interest rate is floating rate with a maximum loan term of 25 years. This
Kredit Ruko BTN is a mortgage for shophouse/office
loan is also secured by the house and land financed.
house/kiosk that can be habitable or be a place of
Throughout 2014, the Company channeled 52,637
business. Its advantages are competitive interest
KPR BTN Platinum units (2013: 67,699 units) with a
rate, quick and easy process, very flexible term, life
value of Rp11.06 trillion.
insurance, fire insurance, and earthquake insurance (in certain regions).
2. KPA BTN (Apartment Mortgage) Along with the development of lifestyle in choosing
Through Kredit Ruko BTN, Bank BTN channels
occupancy types and customer needs for investment
loans to buy home stores (shop-houses) which
in the property segment, KPA BTN product is one
can function as a store, office, or other business
PT. Bank Tabungan Negara (Persero) Tbk.
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purposes. Loan is granted to a maximum of 60%
2014 Sustainability Report
4. Other Housing Loans
of the purchase price or market value whichever is
To enhance its business growth, the Company also
lower. Kredit Ruko generally has a maximum term of
offers husing loan related products. Realization of other
15 years secured by the shophouse being financed
housing loans disbursement in 2014 is as follows:
at floating interest rate. Throughout 2014, The Company channeled 570
Development of Other Housing Loans Disbursement (Rp Billion)
Kredit Ruko BTN units (2013:622 units) with a total
Product Loans
2012
2013
2014
value of Rp210.37 billion, an increase of 6.10%
Kredit Agunan Rumah BTN
2,431
2,277
2,212
Kredit Bangun Rumah BTN
41
36
41
PUM-KB BPJS Ketenagakerjaan BTN
115
126
37
PRR-KB BP Ketenagakerjaan BTN
22
15
92
5
2
3
compared to 2013, which was Rp. 197.54 billion.
Development of Non-Subsidized Mortgage Disbursement (Rp billion) KPR BTN Platinum KPA BTN Kredit Ruko BTN Total
2012
2013
2014
10,999
12,548
11,063
363
522
296
TBUM Bapertarum TBM Bapertarum
222
198
210
11,584
13,267
11,569
Total
0
0
0
2,615
2,452
2,385
Given the trend, Bank BTN is attempting to
Development of Non-Subsidized Mortgage Position (Rp billion) 42,296 36,948
strengthen other housing loans through product services which we briefly describe as follows:
a. Kredit Agunan Rumah BTN To meet the various needs of customers, such as cash, home renovation costs, children
27,241
education expenses, traveling costs, the cost of Hajj, purchasing vehicles or other purposes, “Kredit Agunan Rumah (KAR) BTN” is the right solution. KAR BTN is a loan facility from Bank BTN that can be used by customers for various consumers
12
20
13
20
14
20
needs secured by the residential house/ apartment/shop-house/office-house owned by
The Company realizes that the banking industry
the customers. KAR are its competitive interest
competition in the country has intensified. This
rate, free credit value, highly flexible term up
requires all industry players to deliver various
to 10 years and protected by life insurance and
services and products under one roof. The
fire insurance.
company also continues to respond to the trends of nonsubsidized housing loans and is committed to diversifying its products and reaching the upper middle class
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
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This loan can be used for various purposes as
over home purchase down payment in
long as not against the law. For this product,
the form of Mortgages, then PUM-KB BPJS
the customer submits collateral in the form of
Ketenagakerjaan is the right solution. BPJS
land and building. The maximum amount of
Ketenagakerjaan
loan granted is 75% of the transaction value
provides these loans to members who are
according to the Bank if the collateral is in the
eligible for PUM-KB, for the purpose of home
form of residential house. If the loan is secured
purchase down payment.
through
the
Company
by apartment/shop-house/condominium/flat/ office-house, the amount of loan granted may
The competitive advantageof PUM-KB BPJS
not exceed 60% of the value of the transaction
Kesehatan lays on its flexible term up to 15
value according to the Bank. This loan has a
years and not exceeding the mortgages term,
maximum term of 10 years at floating interest
6% interest rate with a maximum loan is
rate.
provided as follows: •
b. Kredit Bangun Rumah BTN
Wages up to Rp5 million: Maximum loan is Rp20 million
The Company is always ready to help finance
•
the customers’ needs to build their dream houses. Through Kredit Bangun Rumah BTN
Maximum loan is Rp35 million •
(KBR BTN), the Company grants loan facility to customers who want to build a house on his/
Wages > Rp5 million up to Rp10 million: Wages > Rp10 million: Maximum loan is Rp50 million
•
her own land.
This PUM-KB BPJS Ketenagakerjaan is disbursed together with KPR BTN.
KBR BTN’s advantages are its competitive
d. PRR-KB BPJS Ketenagakerjaan
interest rate as well as quick and easy process,
The Company grants a home renovation loan
with an extremely flexible term up to 10 years.
for
KBR BTN is a loan to build a house for individual
members.
recommended
BPJS
Ketenagakerjaan
customers who already own land or a plot of land. Financing amount is 70% of the Budget
For customers who are BPJS Ketenagakerjaan
Plan (RAB) to build a house according to the
members and having financial constraint in
Bank. Loan term is provided for up to 10 years
home development or improvement together
with floating interest rate.
with Kredit Agunan Rumah (KAR), the PRRKB BPJS Ketenagakerjaan is the right solution. BPJS
c. PUM-KB BPJS Ketenagakerjaan
Ketenagakerjaan (previously PT Jamsostek)
The Company grants a loan earmarked for
grants these loans through the Company to the
down payment of home purchase or apartment
members eligible for PRR-KB, with the purpose
purchase for recommended members of BPJS
for home development/renovation, and this
Ketenagakerjaan (formerly Jamsostek).
loan is simultaneously applied, approved, granted with collateral with KAR.
For customers who are members of BPJS Ketenagakerjaan
financial
The competitive advantage of PRR-KB BPJS
difficulties hardship to pay the down payment
Ketenagakerjaan lays on its flexible term up
PT. Bank Tabungan Negara (Persero) Tbk.
and
having
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to 10 years and not exceeded the KAR term,
This product is partial mortgages purchase
6% interest rate, maximum loan amount up to
advance payment assistance or partial relief
Rp50 million and not exceeded 50% of the total
of mortgages financing, consisting of aid that
loan (Kredit Agunan Rumah BTN plus PRR-KB
does not have to be returned and aid that must
BPJS Ketenagakerjaan).
be returned, channeled to civil servants who
2014 Sustainability Report
meet the requirements and is intended for
e. TBUM BTN Bapertarum
group I, group II and group III, with source of
The Company distributes loans for eligible
funds coming from Taperum–PNS contribution
civil servants who need additional down
funds. Bapertarum loans are granted through
payment of home or apartment purchase. For
Bank BTN to civil servants eligible for TBUM
Civil Servant (PNS) customers with financial
Bapertarum, for the purpose of home purchase
constraint to pay the down payment for their
advance payment. Its competitive advantage is
purchase of homes using mortgages, then
6% interest rate with maximum loan amount as
“Tambahan Bantuan Uang Muka” TBUM) is the
follows:
solution.
•
Group I: Rp13.2 Million
•
Group II: Rp13.5 Million
•
Group III: Rp13.8 Million
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment Kinerja Ekonomi Berkelanjutan
Performance of Sustainable Social
Economic Indirect Impact
77
[G4-EC7]
Corporate Social Responsibility (CSR) is the company’s
sustainable business climate. Application Of CSR
committment to actively participate in improving the
obligations as stipulated in Law No. 25 2007 on
welfare of the society through good business practices
Investment, Article 15 letter b mentions, “Every investor
and contribute most of the company resources through a
is obliged to implement corporate social responsibility “.
variety of activities, such as: environmental preservation, education, health, partnerships, art, and sports.
Implementation of CSR activities for public companies has also been arranged by Bapepam-LK through Bapepam
In overall practice,the activities undertaken by the
Regulation No. X.K.6 regarding Submission of Issuer of
Company with regard to Social and Community
Public Company Annual Report. This regulation became
Development Program cover Partnership and Community
the foundation and guidelines for the Companyto
Development Programs (PKBL). This PKBL focuses on the
conduct a proper and evenly social responsibilityin all
activities aiming to empowerthe community, especially
aspects. In accordance with the Attachment of Decision
in a residential area.
of the Chairman of Bapepam-LK Number: Kep431 / BL / 2012 dated August 1, 2012, the implementation of social
Thisfocus
on
housing
community
empowerment
responsibility for public companies covering following
is associated with the Company’s core business in
aspects:
housing finance. In practice, community development
•
Social and community development
is demonstrated through activities that contains
•
Environment
educational, environmental, economic and social
•
The practice of employment, health, and work
empowerment.
safety •
Bank BTN’s CSR Vision and Mission
Responsibility for product
Bank BTN’s CSR pillars The Company carries out CSR activities through Bank
Bank BTN’s CSR Vision:
BTN Harmonious Environment program. This program
Care about the interests of society and the environment
aims to educate the public in an integratedmanner
by contributing to the economic development and
through some trainings or education, and to coach
empowerment of communities in a sustainable manner,
the community as a basis for the development of an
especially in the residential/housing that became the
integrated program.
core business of Bank BTN. Bank BTN’s Harmonious Environment Program coversthe
Bank BTN’s CSR mission:
following areas:
1.
•
Improving the welfare of society and the
Environment
environment
The Company invites the public to take part and play
2.
Developingthe Bank’s corporate values and culture
a role in waste management, waste sorting method,
3.
Establishingthe Bank’s positive image in the public
organic waste management, and manufacturing of
eye
products from non-organic waste.
4.
Increasing cooperation and mutual respect with
•
Education and Training
the community and the environment arount the
The Company conducts education and training of
location where the Bank operates its business
physical education and spiritual quality of children along with parents. With training, children and
Legal Foundation
parents are expected to be able to recognize
Bank BTN applies strategic policies in term of CSR
themselves so as to form a healthy teamwork in
implementation in order to foster a conducive and
interpersonal relationships
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
78
Preface
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Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment Kinerja Ekonomi Berkelanjutan
Performance of Sustainable Social
•
•
Health
•
2014 Sustainability Report
Public Infrastructure
The program has assisted the development of the
Public infrastructure as a means of meeting the
quality of public health through a workshop on
needs of society and the environment that supports
children’s health and herbs for various ailments.
other activities, so hopefully people can be
Socio-economic
empowered.
The program is expected to trigger and laying the activities such as training, management and
Realization of Disbursement
development potential in the family around.
Corporate social responsibility is a responsibility inherent
Religion
in each company to continue creating harmonious,
The program activities must be balanced with
balanced and adjusted relations with the environment,
religious activities as form of motivation and
values, norms, and culture of local community. Bank
reinforcement as well as grounding in interacting
BTN‘s commitment to carry out CSR program that
both in the family and society.
includes related aspects is evidenced by the numerous
basis for poverty reduction through entrepreneurial
•
Activities
and
Fund
activities in 2014. As a form of Bank BTN’s accountability on CSR activities, the following is the realization of activities anduse of funds in 2014:
Economy Details Usage
Total
Ustad fee in the occasion of President Director’s arrival in Banjarmasin for Safari Ramadhan
750,000
CSR fund distribution of blankets to the victims of Mountain Sinabung’s eruption
750,000
Bank BTN ‘Mudik Bareng’ ceremony
1,500,000
Bank BTN’s participation in the activities of aid distribution to flood victims in Jakarta with Radio Galay FM
5,000,000
Mass circumcision activities organized by Khoiru Ummah Foundation
5,000,000
The social service activities of giving nine basic needs to the flood victims organized by Jakarta Bike Club Bamus Betawi
5,000,000
Ramadhan activities (Sahur on the Road and Iftar) organized by the Branch Office
40,000,000
Reward of Initial Hajj Deposit
6,000,000
Bank BTN’s participation in the activities of giving aid to the poor and Sahur on the Road activities organized by the Student and Youth Action Committee for Reform and Democracy (KAMERA)
7,500,000
The declaration of Program Beras Genggam for poor people organized by the City Government of Padang
10,000,000
Bank BTN’s participation in Gemar Mimum Susu activities
10,000,000
Participation Bank BTN at Pasar Murah activity performed by state enterprises in West Kalimantan province, in the form of distributing 100 basic needs packages
10,000,000
Bank BTN’s participation in the activities of distribution of Ramadhan gifts and groceries for orphans, the poors, and dhuafa
10,000,000
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
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Performance of Sustainable Economy
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Performance of Sustainable Environment Kinerja Ekonomi Berkelanjutan
Performance of Sustainable Social
Details Usage
79
Total
Bank BTN’s participation in social activities of giving groceries to 1000 Rembang district, organized by Association of Families of Rembang Jabodetabek dated July 20, 2014, in accordance with the approval of President Director of the attached proposal
10,000,000
Bank BTN’s participation in the refinement of facilities and infrastructure at the University of Muhammadiyah Sidoarjo Bank BTN’s participation in the social service activities before Ramadhan held by STIKES Mojokerto
10,000,000
Bank BTN’s participation in social service activities for people with leprosy organized by the Hadi Djojo CareFoundation
10,000,000
Sponsorship of tasbisan uskup
10,200,000
Distribution of 344 rice boxes for Sahur on the Road held by CSD dated July 12, 2014
10,886,000
The event of giving donations to orphans in Directors safari Ramadan
88,000,000
Sponsorship of 2014 Cap Go Meh Event
15,000,000
Bank BTN’s participation in the Peduli Kepada Kaum Dhuafa activities organized by the Juang Anak Bangsa Foundation for providing groceries packages in GOR Tg Priok dated July 23, 2014
15,000,000
Bank BTN’s participation in the iftar activities organized by IKA UNDIP on Wednesday dated July 23, 2014, in accordance with disposition of President Director of the letter IKAUNDIP No. 22 / DPP IKA UNDIP / VII / 14, dated July 21, 2014
15,000,000
Event for giving donations to orphans in Directors Safari Ramadhan and Sahur on the Road activities.
32,000,000
BY KNJ President Director (Kor August to the Protocol)
17,671,750
The purchase of groceries packages and mineral water for flood victims in Subang
20,000,000
Donations to flood victims in the district of Jepara, Kudus, Pati, Demak and Rembang
20,000,000
Social events for flood victims in Jakarta organized by the Gerakan Cinta Anak Bangsa (GENTA)
20,000,000
Donations to 1000 orphans and dhuafa organized by the Komunitas Satu Benih Indonesia Foundation
20,000,000
Bank BTN’s participation in the activities of donations to orphans and dhuafa organized by IBI
20,000,000
Bank BTN’s participation in the activities held by the City Government of Tasikmalaya in Gerakan Masyarakat Sejahtera Bersama Mitra for poverty reduction in Tasikmalaya
20,000,000
Social service activities organized by GP Ansor for flood victims in Kudus
25,000,000
The distribution of aid for victims of volcanic eruption of Mountain Kelud, associated with the flagship program The Ministry of Religious Affairs
25,000,000
Social activities of free medical treatment for celebration of Nyepi Saka New Year 1936
25,000,000
Hajj Reward for 50 participants in April 2014
25,000,000
Mass circumcision activities and donations organized by Bank BTN Baziz
25,000,000
Bank BTN’s participation in the activities of iftar with orphans and dhuafa organizedby LPDP
37,500,000
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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Company Profile and Sustainability Report
Performance of Sustainable Environment Kinerja Ekonomi Berkelanjutan
Performance of Sustainable Social
2014 Sustainability Report
Details Usage
Total
Bank BTN’s participation in the distribution of aid to victims of the eruption of Mount Sinabung in North Sumatra
49,225,100
Bank BTN’s participation in the activities of a mass circumcision performed by Baziz Bank BTN
50,000,000
Bank BTN’s participation in the activities of the distribution of aid to flood victims as much as 250 packets in the Capital Jakarta and Surrounding
50,000,000
Bank BTN’s participation in the supply of groceries and raw materials for the army’s kitchen in the event of 2014 Sail Raja Ampat
50,000,000
Donations and transport assistance to the 10 foundations in iftar event with orphans dated July 16, 2014
70,000,000
Donations to the foundations and and orphans in iftar event dated July 16, 2014
120,000,000
Channeling aid to flood victims in Manado
449,539,000
Arts and culture Details Usage
Total
Bank BTN’s participation for the procurement of drumband equipment for the Marching Band Team of TK An-Nisaa’ Jombang Raya, Ciputat Banten
Jumlah 6,000,000
Bank BTN’s participation in arts and cultural activities organized by the City Government of Solo
7,500,000
Bank BTN’s participation in arts, cultural, and health activities in the 58thanniversary event of the city of Jambi
11,000,000
Sports Details Usage
Total
Additional budget allocation for the participation of Bank BTN on the activities of the National Traditional Karate Championship Menpora CUP 2014 V for empowerment of potential athletes
3,250,000
BTN Bank’s participation in the activities of 2014 Fun Walk in commemoration of 69 HUT RI organized by Remaja Petojo Binatu 08
5,000,000
Bank BTN’s participation for potential athletes in the National Championship of Traditional Karate Cup Menpora Year 2014
6,750,000
Coaching of potential athletes in karate national championships Karete Kasad Cup XII - Sulsel 2014
30,000,000
Education Details Usage
Total
Bank BTN’s participation in supporting 3 students of FHUI in the National Model United Nation Distribution of scholarship funds for students
5,200,000 558,000,000
Improving the quality of education in Central Jakarta SDN Kenari 07 through field studies aimed to make students more independent and creative
7,500,000
Bank BTN’s participation in the seminar and workshop organized by student associations of FEB Unpad in Accounting Goes to Company activity
10,000,000
Bank BTN’s participation in the activities implemented by the Provincial Government of West Kalimantan in Bank BTN Peduli Pendidikan
25,000,000
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Performance of Sustainable Economy
Company Profile and Sustainability Report
Performance of Sustainable Environment Kinerja Ekonomi Berkelanjutan
Performance of Sustainable Social
81
Details Usage
Total
Bank BTN’s participation in research activities conducted by Burhanuddin Muhtadi in the form of Focus Group Discussion as agreed by President Director of the memo No. 539A / M / CC / IV / 2014 dated 11 April 2014
50,000,000
Health Details Usage
Total
Channeling health facilities aid to victims of Mountain Kelud eruption
29,237,000
Channeling medicine aid, chemotherapy, and recovery phases to children and families with cancer coordinated by Cancer Care and other chronic disease community
10,000,000
Bank BTN’s assistance in the field of health (for health centers in South Jakarta) in of the inauguration of Melawai Jakarta BTN Priority
15,000,000
Bank BTN’s participation in providing drugs and medical devices in the General Assembly of Alim Ulama and Grand Conference of NU
25,000,000
Infrastructure and Facilities Details Usage
Total
The cost of making facilities and infrastructure in the form of placards CSR in large and small sizes as much as 12 pcs in iftar event with orphans dated July 16, 2014
2,568,500
Improving the quality of education in the learning process through providing adequate facilities and infrastructure for SMPN 36 Bandung
5,000,000
Bank BTN’s participation in providing facilities and infrastructure for Al-Mukmin Mosque in Pekanbaru in the form of sound system procurement.
5,000,000
Improvement of facilities and infrastructure at Madrash Diniyyah Takmiliyah Tarbiyatul Aulad, Ciampea, Bogor
5,000,000
Bank BTN’s participation in the activity organized by BMPD-SU in the procurement of lampu hemat energi tentara rakyat (LENTERA) in Simalungun
5,000,000
Bank BTN’s participation in making biopori holes in Srengseng City forest as much as 75 pieces @Rp110,999in supporting the program of the Ministry of Finance with the theme “Save Water of the Planet”
8,324,925
Bank BTN’s participation in the program launched by the Government of Central Java Province in improving the welfare of the people in Karimunjawa to reduce the impact of electricity crisis
10,000,000
Bank BTN’s participation in the construction of religious facilities and infrastructure Al-Amanah Nusantara Foundation,South Tangerang
10,000,000
Construction of the Al Qur’an Kindergarten in Madrasah Nurul Iman, South Tugu, Koja, North Jakarta
10,000,000
Construction of Tahfidz Baitussalam Housing, Kalibaru Permai Housing, Cilodong Depok
10,000,000
Bank BTN’s participation in providing facilities and infrastructure such as aluminum pot for business groups and farmers of Satu Hati Tuapukan
10,000,000
Bank BTN’s participation in the renovation of facilities and infrastructure at Daarul Muttaqien Mosque in Jambi
10,000,000
Bank BTN’s participation in the construction of supporting facilities for post of family-based community empowerment in Mojokerto
10,000,000
rocurement of one unit of a bicycle rickshaw trash and garbage in the wheelbarrow garden greening program of Kota Padang initiated by Bapedalda 2014
11,000,000
Pelaksanaan peresmian kegiatan Ruang Perspustakaan Sekolah Percontohan di Semarang tgl 20 Juni 2014
13,400,000
PT. Bank Tabungan Negara (Persero) Tbk.
BTN Terdepan GCG Rumahkoe
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Performance of Sustainable Environment Kinerja Ekonomi Berkelanjutan
Performance of Sustainable Social
Details Usage
2014 Sustainability Report
Total
Construction of infrastructure and facilities for Tahfidz Al Qur’an boarding school of Al Washiyyah foundation
15,000,000
Increasing capacity for prayer room at Al Falah mosque in Perum Taman Indah Bona, Lebak Bulus, South Jakarta
15,000,000
Construction of lavatory for toilet facilities at Yos Sudarso Catholic Education Foundation to improve environmental cleanliness and comfort in performing teaching and learning activities
15,000,000
Bank BTN’s participation in the renovation of Al Huda Mosquewhich aims to increase the capacity and comfort of prayer room in Cipinang Kebembem, East Jakarta
15,000,000
Bank BTN’s participation in providing 2 (two) units of patient’s bed and mattress at RS Bhayangkara Mappa Oudang Makassar
15,000,000
Providing facilities and infrastructure in the inauguration of Library Room at Sekolah Percontohan SDN Klepu, Yogyakarta
19,807,000
Repairing facilities and environmental infrastructure in the form of repair embankments, manufacture bins for residents in RW 006/08 North Petojo
20,000,000
The development of facilities and infrastructures and for children with special needs at rumah belajar Little Hijabi Bekasi
20,000,000
Bank BTN’s participation in the activities carried out by the city government of Padang in Padang beach arrangement to be used by traders/culinary businessman
20,000,000
House renovation program and the elevation of cement/concrete floor for the poor and the elderly widows organized by the District of Mojokerto
20,000,000
Bank BTN’s participation in the construction of one unit class III inpatient wards for ‘pasung’ victim patients in order to support Jambi Bebas Pasung 2015
25,000,000
Donation of 1 (one) unit of motor viat/tosa to Pontianak city government in order to accelerate the realization of the clean and healthy Pontianak City
25,000,000
Bank BTN’s participation in the construction of the campus gates UNLAM Banjarmasin
25,000,000
Additional allocationn of funds for the construction of RSJ Jambi Province
25,000,000
Bank BTN’s participation in providing facilities and infrastructure such as carpets for Bustanul Ashyiqin mosque in Semanggi Kidul, Pasar Kliwon, Surakarta
28,000,000
Construction of infrastructure for Panti Asuhan Bersinar foundation for orphans, the poor, abandoned children, and victims of natural disasters
30,000,000
Providing facilities and infrastructure in the form of flask disk to the 27thNational Student Science Week activities (PIMNAS) UNDIP in 2014
30,000,000
Bank BTN’s participation in construction of Panti Werda Hana Foundation, which were used to add occupancy for the elderly
40,000,000
Procurement of learning infrastructure that is more representative and adequate, to support the learning processin the school environment of Tangerang regency
100,000,000
Cost of Phase I (25%) on the execution of 2014 Bank BTN Mudik Bersama
233,884,438
Cost of stage II (25%) on the execution of 2014 Bank BTN Mudik Bersama
233,884,438
Bank BTN’s participation in infrastructure and facilities construction in 4 pilot schools located in Surabaya, Semarang, Malang and DIY
320,000,000
Cost of stage III (50%) / repayment on the execution of 2014 Bank BTN Mudik Bersama
467,768,875
Bank BTN’s participation in the activities of improvement of health services conducted by PMI through donations Two (2) water tank unit for vulnerable areas in Indonesia
500,000,000
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
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Performance of Sustainable Social
Details Usage
83
Total
Bank BTN’s participation in the improvement of facilities and infrastructure at the University of Muhammadiyah Sidoarjo Social services activities before Ramadhan held by STIKES Mojokerto
10,000,000
Bank BTN’s participation in the Facilities and Infrastructure Development Program in the Border, Remote, Outermost, and Disadvantaged Region conducted by PT. Asabri
1,000,000,000
Religion Details Usage
Total
Construction of Al-Furqan Mosque, Jl. Kapok Kingdom Kel. Kapok, district Cengkareng, West Jakarta
4,000,000
Jami Assidiqiyahmosque construction, North Kembangan West Jakarta
4,000,000
Construction and renovation of musholla Al Harikusumo, Jl Kayu Besar, East Cengkareng, West Jakarta
4,000,000
Bank BTN’s participation in the construction of An-Nur Sawangan mosque, Depok
5,000,000
Participation in the Development Bank BTN Fatimah Mosque on the campus of the University of Mulawarman
10,000,000
Nurul Muslim Jamie mosque construction, North Tambun, Bekasi to increase the capacity of the mosque as a center of religious activities and religious learning place for the community.
20,000,000
Bank BTN’s participation in the construction of Ansor mosque in Kramat Raya, Central Jakarta Ansor
25,000,000
Development of the Catholic Church Kranggan to increase the capacity of prayer room, which were inadequatein accommodating people
30,000,000
Bank BTN’s participation in the construction of Nurul Fallah mosque, West Manggarai, NTT in the event of 2013 Sail Komodo
294,000,000
Nature Conservation
[G4-EN11, G4-EN12]
Details Usage
Total
Coverage of Green Action activities in Koran Sindo
55,000,000
Third stage maintenance of the greening activities of Citarum and Ciliwung, organized by PT BUMN Hijau Lestari I
109,091,000
Bank BTN’s participation in greening the environment activity: Go Greenat Hospital Dirgahayu
10,000,000
Bank BTN’s participation on city park construction, Kaltim Green through Samarinda City Government
10,000,000
Bank BTN’s participation in greening activities organized by the city government of Balikpapan
15,000,000
Bank BTN’s participation in tree planting activities undertaken by the Government of Cirebon on 32 regional Organization (PDO)
5,000,000
Bank BTN’s participation in the activities organized by the Department of Hygiene and Park District Banyuwangi, to support the city to become a healthy, clean and beautiful Banyuwangi
10,000,000
Manufacture and installation of flower pot garden in a strategic points of the city in cooperation with the Mataram City Parks Department in the launching event of Mataram Priority Banking
25,000,000
Throughout 2014, the amount of funds distributed and/or used by Bank BTN for CSR activities of all sectors amounted to Rp6,271,617,876
PT. Bank Tabungan Negara (Persero) Tbk.
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BTN Terdepan GCG Rumahkoe
Kinerja Sosial Performance Berkelanjutan of Sustainable Economy
2014 Sustainability Report
Performance of Sustainable Social
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
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Kinerja Sosial Performance Berkelanjutan of Sustainable Economy
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Performance of Sustainable Social
Performance of Sustainable Social
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Kinerja Sosial Performance Berkelanjutan of Sustainable Economy
2014 Sustainability Report
Performance of Sustainable Social
Labour
BTN Terdepan GCG Rumahkoe
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Performance of Sustainable Environment
Work Relation Development with Employees
87
Kinerja Sosial Performance Berkelanjutan of Sustainable Economy Performance of Sustainable Social
The Company organized following health facilities: •
Periodic health facilities include Medical Check Up facility
In order to create and maintain harmonious working
•
Warranty
of
medical
treatment
facilites
:
relationships between the Company and employees, the
reimbursement of inpatient hospital, outpatient
healthy Industrial Relations Policy is done through:
care after discharge from the hospital, the cost
•
Strengthening the collective bargaining agreement
of birth, cost of dental treatment, replacement of
(CBA) between the Company with the Workers/
glasses, hearing aids, laboratory tests and other
Employees Union.
medical treatment recommended by doctor-patient
Completion of the provisions on the process of good
post inpatient.
•
employment termination and retirement system including the creation of provisions on exit policy
The Company also provides clinic facilities and doctors to
attractive strategy to optimize and to organize the
provide medical services to employees and their families.
composition and competence of the employees in
Besides facilitating employees to maintain their health,
order to improve the performance of the Company.
the Company also registers employees and their families
•
Implement engagement survey.
with health insurance organized by BPJS Kesehatan which
•
The good relationship among employees through
is done gradually. This facility aims to provide protection
various media such as corporate culture magazines
and the cost of insurance coverage while undergoing medical examination or hospital care, including warranty
Occupational Health and Safety
for the employee and employee’s wife which in labor/ maternity.
Occupational Health and Safety (K3) is aspects that
In 2014, the Company has also facilitated employees
matters to management BTN. Bank BTN strive to create a
to attend a seminar on health such as the National
work environment that is safe and convenient to support
Seminar of “Conception and Application Program BPJS
the creation of company’s optimal performance. To that
Kesehatan and BPJS Ketenagakerjaan”and the National
end, Bank BTN is committed to creating a healthy work
Workshop of “Implementation Program BPJS Kesehatan
environment, free of injury and perform operations
dan Ketenagakerjaan Program in Companies and in
according to the rules that apply.
Government .
Health
With the obligation the Company to insured people
The health of employees is one of the main keys of the
in BPJS Kesehatan starting from 2015, the Company
achievement of individual performance of its employees
has conducted socialization of BPJS Kesehatan, so that
and the company as a whole. Therefore, efforts to maintain
employees get a full understanding about the BPJS
the health of employees is a shared responsibility. The
program both in concept and its implementation.
Company facilitates employee with some activitiest that are expected raise up awareness and motivation in maintaining the health of the individual.
PT. Bank Tabungan Negara (Persero) Tbk.
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Kinerja Sosial Performance Berkelanjutan of Sustainable Economy
Occupational Safety
Performance of Sustainable Social
development as needed by Bank BTN.
For effective implementation of K3, the Company has
ll
completed all its operational offices with various safety devices such as: Apar, Smoke Detector, Diesel Pump,
It is a dynamic program, it constantly adapts to the organization and employment needs.
ll
Emergency Stairs.
Knowledge, skills, and competencies required for each position are key factors to establish Training and Development Program at every level of
Fire safety inspection was conducted on February 13,
position..
2014, upon fire safety equipments as mentioned above. The Company also has plans for fire situation, put the fire
Learning and development programs in Bank BTN are
safety operational procedures in employees work room
divided into two types, namely:
and each floor of the building so that all employees are
ll
well educated.
Technical Competence Learning and Development Program
ll Safety facilities in the Company’s building complies with
Behavioural
Competence
Learning
and
Development Program
the standards of fire safety equipment which based on the Regulation of the Minister of Public Works of
Learning and development programs in the Company
Technical Requirements for Fire Protection Systems in
are conducted through the following methods:
Buildings and Environment.
ll
In terms of labor safety learning, The Company
ll
Formal Education Program for Master (Strata 2) and Doctoral (Strata 3) Degree Training Programme organized by the Bank can be
has included its employees in certification training
divided into two groups, namely:
“Development and Certification Expert Occupational
ww
Training to improve skills (Skill improvement),
Safety and Health General (AK3U) “organized by BPJS
a program training to improve the employees’
Kesehatan.
mastery in specific areas of expertise. These types of programs can be training, workshops,
Competence Development
and certification programs skills. ww
[G4-9, G4-10]
Trainings to improve knowledge (Knowledge
Bank BTN believes that it is necessary to have a system
improvement), a program training to acquire
which can be an objective foundation in improving the
or improve knowledge/insight of employees
employees’ quality. For that purpose, Bank BTN has set
in specific areas of expertise. These types of
learning and development policies as basis to improve
trainings can be seminars, socialization and
the employees’ quality continuously. In general, the
comparative studies programs.
implementation of Learning and Development Program
Professional
Development
Programs
for employees in Bank BTN can be divided according to
ll
development
programs
are
their position, objectives, as well as the nature of their
prepared for groups with specific roles, which are
work.
divided into: ww
PProfessional
that
development
are
specifically
program
for
All educational programs, training and development
functional
e.g.
development
of the company should give attention to the following
programs for auditors and
development
principles:
programs for secretary.
ll
Prepared
by
priority
BTN Terdepan GCG Rumahkoe
targets
for
expertise
ww
Professional
positions,
development
programs
for
PT. Bank Tabungan Negara (Persero) Tbk.
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Performance of Sustainable Environment
structural
positions,
which
consists
of
positions and ranks. ll
Managerial
Performance of Sustainable Social
Section, Head of Branch, Head of Supporting Branch
leadership evelopment programs specifically organized for employees with particular class
89
Kinerja Sosial Performance Berkelanjutan of Sustainable Economy
and Head of Treasury Office. ll
During 2014, Bank BTN conducted trainings and development programs for 13, 479 employees. The
development
program
specifically
organized for employees with certain structural
Trainings and Development programs held in 2014 were as follows: [G4-LA9]
position, for example Head of Division, Head of No I II
III
IV V
Type of Education
Total
New Employees Education Career Education 1 Supervisory Development Programme (sdp) 2 Management Development Programme 3 Senior Manager Development Programme 4 Assisstant Vice President / VP Development Programme 5 Sespi-Bank/Sespi-Bi Technical Education A. Business 1. Service excellent 2. Selling skill 3. Priority banking 4. Financing / pembiayaan 5. Shariah 6. Collection & workout B. Support 1. Finance, accounting & treasury 2 Human capita & organization 3 Management system 4 Information technology 5 Legal & compliance 6 Corporate secretary 7 General affairs 8 Competence Academic Education Soft Competence Development Total Participants
Work Equality and Employment
955 306 210 94 2 11,638 8,445 2,731 1,302 294 2,726 612 780 3,193 1,659 700 38 419 331 37 9 580 13,479
on selection results, the results of the evaluation on probation period and employee orientation.
The Company provides equal opportunity for all the people, both men and women, regardless of differences
In order to anticipate the development of business
in ethnicity, religion, race, class, gender, or physical
and a fast-growing operation range, Bank BTN applies
condition to participate in the recruitment program.
some strategies of human resources fulfillment that are
Appointment of candidates for employment based
precise, accurate and fast, but still consider the quality
PT. Bank Tabungan Negara (Persero) Tbk.
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2014 Sustainability Report
Kinerja Sosial Performance Berkelanjutan of Sustainable Economy Performance of Sustainable Social
or the basic competencies of candidates. HR fulfillment
Employees while their family is in medical treatment.
strategies applied by Bank BTN includes 2 (two) focus,
Treatment facilities are as follows :
namely:
a.
Inpatient in hospitals.
Retain employees who are included in the talent pool
b.
Outpatient after discharge from the hospital on
in order to continue to be part of the organization and
doctor’s recommendation.
giving full contribution with their maximum potential.
c.
Childbirth for permanent female employees
Attract new talents within the banking industry or new
and the wife of permanent employees up to
talents who are interested to enter the world of banking.
the second child. d.
Employee Welfare
Remuneration
Dental care includes cleaning the teeth (scaling) reef, patched teeth, and dental treatment and
and
tooth extraction.
[G4-LA13]
e.
Prescription glasses reimbursement
f.
Hearing aids
g.
Examination by using health tools such as
Bank BTN applies a fair and competitive remuneration,
x-rays, CT scans, ultrasound, ECG, Endoscopy,
complies with the rules and considers the Company’s
Treadmill and others.
strategy and business development.
h.
Laboratory
tests
based
on
physician
recommendation. The salary structure of Bank BTN is designed to provide
i.
appropriate compensation to workers in line with
Other
types
of
medical
treatment
recommended by doctors after being inpatient.
competence and workload of the employees, hence the employees will feel more challenged in providing the
3.
Condolence money
best contribution to the Company as well as to attract
It is one of beneficial allowances provided by Bank
potential candidates and to retain competent employees.
BTN for the employees who are facing a condition in which them/their family died or suffering from
In order to give a sense of security at work, the employees
physical or mental disabilities.
are given the benefit employment relationship in the form of: [G4-LA2]
4.
Clothing Support for Representation While interacting with stakeholders, uniform and
1.
Periodic health care facilities
harmonious appearance of the employees to attend
Health is the main capital for employees in order
invitations, meetings, seminars, and ceremonies
to work optimally and to carry out tasks with the
is an important aspect to support the image of
best result. To support this,Bank BTN as employers
Bank BTN. Therefore, Bank BTN provides facility of
provides Medical Examination such as General
Clothing Support Representation for employees.
Medical Check-Up and Medical Check-Up facilities in a certain period for Permanent Employees in line with applicable regulations.
5.
Employees Loans To fulfill the primary needs of employees for having a decent home for their family, and vehicles as
2.
Medical assistance
means of transportation, Bank BTN helps permanent
Medical assistance is given for the purpose of
employees to fulfill their primary needs by providing
reducing the burden of Permanent / Prospective
loans.
BTN Terdepan GCG Rumahkoe
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2014 Sustainability Report
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Performance of Sustainable Environment
Social Security Insurance
Kinerja Sosial Performance Berkelanjutan of Sustainable Economy Performance of Sustainable Social
ww
In an effort to ensure the rights of labors on the
to
basis of protection against accidents, mortality, and health, the government requires employers to
Karya Satya Abdi Award is an award given employees who are passed away
during their service. ww
Akhir Masa Bhakti Award is an award given
include all labors in the Social Security program. On
to employees who quit with respect or
dues of Social Security program, Bank BTN provides
passed away not due to their service.
Social Security Benefits as part of Welfare benefits. In addition, Bank BTN also provides incentives, bonus or 7.
Reward
production services to employees based on achievement
In order to provide recognition and respect for
of their performance. In providing compensation for each
the dedication given by permanent employees
employee, Bank BTN does not distinguish employees
as well as to encourage Permanent Employee
based on their gender, so there is no difference in the
commitment and their loyalty to the Company, then
rights received by male and female employees.
for permanent employees who meet the specified requirements will be given awards. The types of awards include: a.
Award for exceptional performance is an award given to the employees for their extraordinary work performance.
b.
Work Period Award ww
Award of Karya Satya Bhakti of 15 years service given to the employees who have constantly served in Bank BTN without interruption for 15 (fifteen) years or more.
ww
Award of Karya Satya Bhakti of 20 years given to the employees who have served Bank BTN constantly without interruption for 20 (twenty) years or more.
ww
Award Karya Satya Bhakti of 25 years given to the employees who have served Bank BTN continuously without interruption for 25 (twenty five) years or more.
ww
Award Karya Satya Bhakti of 30 years given to the employees who have served Bank BTN continuously without interruption for 30(thirty) years or more.
c.
Post-Service Award ww
PKarya Purna Bhakti Award is a tribute given to employees who are going to retire.
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2014 Sustainability Report
Performance of Sustainable Social
Human Rights
In carrying out its business operations, Bank BTN always
In case of discrimination or harassment, the Company has
respect human rights and respect all form of differences
the right and fast standards, by executing appropriate
without seeing the cultural differences, nationality, faith,
action based on applicable norms and regulations, as well
ethnicity, gender, age or other protected category. The
as making preventive scheme so that it does not happen
Company is committed to accommodate all kind of
again in the future. If a case of harassment happens, the
differences and unite the variety of all employees’ capability,
Company is committed to protect the confidentiality of
individuality, value their perspective into the collective
all parties, including the victim, alleged perpetrator, and
strength of the Company.
information providers.
Bank BTN respects the dignity and value of each individual
The Company gives assessment for each individual fairly, in
in developing an equal partnership as part of the team.
accordance with the role, tasks, and their performance, aims
Meanwhile, the Company does not give the slightest
to develop their career so that they can face and overcome
tolerance to deviant behavior between colleagues or with
all forms of difficulties proactively
other people. In daily life, the people of the Company
[G4-LA11]
should not be using words or behavior that is insulting, discriminate or violate human rights or degrading a person’s
The company also continues to not only keep a workplace
spiritual values.
that is safe, clean, comfortable, and hygienie based on cooperation between the Company and its employees,
The company also committed to not hiring minors or force
but also seek to provide a healthy balance between
employees to work with a minimum wage that is harmful
employees’ work welfare.
to the development of physical, mental, moral of the employees.
BTN Terdepan GCG Rumahkoe
PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
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Kinerja Sosial Performance Berkelanjutan of Sustainable Economy Performance of Sustainable Social
Community In order to apply the principles of good corporate citizen,
Activities Carried Out
the Company gives great concern to the community,
The embodiment of pillars of Bank BTN Environmental
especially people who are around the Company’s
Harmony
operating
activities, namely:
environment.
Company’s
responsibility
towards society is implemented in the form of CSR
ll
program implemented in 9 (nine) main
Prosperous BTN 2: Program for Improving Welfare, Social Sciences, Arts and Culture
activities. In order to run the CSR programs Company refer to the Regulation of the Minister of State Enterprises
ll
BTN Religion: Religious Affairs Program
No. PER-05 / MBU / 2007 April 27, 2007.
ll
Green BTN: Nature Conservation Sector Program
ll
Fit BTN: Program Field Sports
ll
Healthy BTN: Health Sector Program
Through the CSR, Company seeks to prioritize
ll
Intelligent BTN: Program for Education
community empowerment in its operational activities,
ll
Clean BTN: Health Sector Program
particularly in the housing and residentials, as Company’s
ll
Care BTN: Natural Disaster Response Field Program
main business area. In practice, the program includes
ll
Partnership BTN: Empowerment Program
important activities in the field of environmental, social
ll
Entrepreneurship Society
and economic empowerment, and education.
Sejahtera BTN Kemitraan BTN
Peduli BTN
Religi BTN
Lingkungan/ Masyarakat
Bugar BTN
Bersih BTN Cerdas BTN
PT. Bank Tabungan Negara (Persero) Tbk.
Hijau BTN
Sehat BTN
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Performance of Sustainable Social
Product Responsibility One of the pillars of the Indonesian Banking Architecture
Customer’s Complaints Handling Management
(API) that is declared by the Bank Indonesia and must be implemented by national banks are realizing the
From all customer communication channels, complaints
empowerment and protection of consumers of banking
from customers throughout the year of 2014 amounted to
services through the preparation of standard-setting
6,480 complaints with the largest group of complaints are:
customer complaints mechanism, the establishment
a.
of an independent mediation agency, increased transparency of banking product information, and
much as5037 complaints b.
socialization for customers. The program is expected to increase customer confidence in the national banking
Related to the use of cards and ATM machines as Related with indication of deception as many as 612 complaints
c.
system.
Related to electronic banking transactions as many as 346 complaints
d.
Others as many as 845 complaints
The Company strives to ensuring the success of the API program in order to provide added value in housing
Complaints cards and ATM machines largelydue to the
finance services, not only the best products, but also
failure of the transaction, whichcaused by:
with consistent of service, trustworthines, complete, and
1.
attentive to the needs of our customers and also as a form of Company responsibilities fullfillness to its customers.
Physical or receipt of money at ATM machines run out.
2.
There was a breakdown in communication between the host bank and the ATM network host. From all
Customer’s Complaint Center
of these complaints, 99.0 % have been successfully solved or6415 complaints and the rest are in the process of completion.
The company always tries to improve service to consumers, by giving the best service prior, during and after-sales products. That is why, the Company opens
Follow up of Customers Complaints
various media for complaints and against the services rendered the Company, via : [G4-31]
Customers complaints are responded according to Company’s SOP of Customer Complaints, by executing
Contact Us
a clarification to related units, where the results will be
PT Bank Tabungan Negara (Persero) Tbk.
submitted to consumers through the Company’s Bureau
Head Office
of Public Relations Company, thus the problem can be
Menara Bank BTN
solved in a proper manner.
Jl. Gajah Mada No.1 Jakarta 10130
The Company has developed a Customer Complaint
Telp. : (021) 6336789
System (SPN) that can monitor the completion of
Fax. : (021) 6336719
complaints thoroughly. SPN is aweb-based system that
Contact Center:
can facilitate monitoring upon status of the complaints
1500 286
resolution and at the same time provide certainty for
Email Contact Center :
customers about time required by Bank to solve the
[email protected]
complaint.
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By using the online and integrated system, customers
Customer complaint handling mechanism can be seen in
can also submit complaints and checking the status of
the illustration of the chart below
the complaint at any branch offices all around Indonesia. With the online, web-based, and integrated SPN, complaint-handling mechanism is more structured and can be carefully monitored. Receipt of Customers Complaints
Supervision Handling Customers Complaints
Coordination inter Division for Customers Complaint Resolution
Receipt of customer complaints (end-users)
Receive notification of complaints from customers
Receive notification of customer complaints
Inquiry customer complaints on SPN
See details of customer complaints on SPN
See customer complaints details on SPN
Need escalation group support?
Koordinasi proses penyelesaian
Ya
convey progress complaints to the customer
Tidak
Tidak
Already registered on SPN
Escalation of customer complaints resolution process
Data entry of customer complaints to SPN
Coordination resolving a complaints process
Convey registration number the customer
Entries results resolving a complaints
Convey the results of the complaints completion to the customer
Closing complaints
Management of Service Quality
3.
Ya
Entries complaints resolving in SPN
The making of Marketing Tool Kits, guidebooks to facilitate and assist Customer Service to be more
In order to improve excellent and maximum service, in
systematic in explaining or marketing products and
2014 the Company has executed 2014 Service Quality
services to customers.
Work Plan, with the following activities:
4.
Preparation of SOP for Standard Service, a standard for service in outlets.
Strategy and Development, consisting of: 1.
5.
The making of Roleplay Handbook Roleplay, which
guidancefor coaching scenario themes in all
is used by all front liners (Customer Service, Teller Service, Security Officer) to facilitate them in the 2.
The making of Branch Development Curriculum, branches for MRI rank.
6.
The making of monitoring checklist for quality of
implementation of service standards.
service, which is used by the Regional Office, Office
The making of Roleplay Script Guidance, which is
Branches, and outlets.
used by the Loan Service officers.
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Delivery and Implementation, consisting of: 1.
Kinerja Sosial Performance Berkelanjutan of Sustainable Economy
2.
Customer Engagement Survey Measurements include two types of methods:
Coaching Clinic and Mentoring.
a.
FThe Forum is conducted periodically by the
b.
(needs, desires, and expectations of customers).
FBranch Management Forum and Head Outlet,
b.
the initial insights resultingfrom the qualitative
and managing service quality in branche
method, and to obtain data on customer
offices and outlets.
satisfaction index as well as customer priority of
Frontliner
Forum,
focused
on
analyzing
improvement for Bank BTN’s future strategies. 3.
Best Frontliner Award 2014/2015
4.
Regional Office Assessment
Held to promote the spirit of competition among all
To maintain consistency of the implementation of
front liners.
standard services in all branches by Region Officer,
Implementation of the National Customer Day 2014
with predetermined parameters and scenarios.
Held to celebrate Customers National Day by making
4.
Branch Self Assessment Reporting [G4-PR5] A report measuring all outlets under the branches.
technical trainings.
3.
Quantitative Methods, to perform validation of
which focused on understanding (mindset)
service parameters, transaction scenarios, and 2.
Qualitative methods, conducted by Focus Group Discussion to obtain early insights
Customer Care Division and consisting of : a.
2014 Sustainability Report
Performance of Sustainable Social
5.
Service Enforcement for Supervisor
activities in the branch offices on 4 September 2014
Is a program to strengthen service culture for all
and Sympathetic Parade of National Customer Day
supervisors whom undertake direct supervision of the
on December 9 September 2014.
service daily.
Training Competence Competency enhancement training, which includes: a.
Training for management (DBM, CCU Head and SQO) by consultants.
b.
Training for frontliners (CS, TS, LS, Security) by Customer Care Division team.
c. 5.
Product knowledge improvement.
Service Excellence Enforcement Workshop by MRI.
Measurement consists of: 1.
and
Implementation,
Monitoring and observasi Conducted by a team of Customer Care Division with direct observation for all outlets suspect are.
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Appendix CROSS REFERENCE GRI-G4 Index
Aspect and Indicator Strategy and Analysis G4-1 Speech from Most Senior Decision Maker in the Company G4-2 Description of Impacts, Risks, and Main Opportunities Company’s Profile G4-3 Name of the Company G4-4 Brand, Products, and Main Services G4-5 Location of Company’s Head Office G4-6 Operational Area G4-7 Ownership and Legal Entities G4-8 Market Share Company’s Scale (Number of Employees, Operating Total, Product G4-9 Quantity, Net Sales) G4-10 Employee’s Distribution (Based on Working Agreement, Gender, Area) G4-11 Employee’s Protection through Collective Working Agreement G4-12 Company’s Supply Chain Significant Changes during Reporting Period regarding Company’s Size, G4-13 Structure, Ownership, or Supply Chain G4-14 Approach or Prudential Principle within the Company List of Award, Principles, or other Initiatives in Economic Field Economy, G4-15 Environment, and Social that were Developed Externally in which the Company was participating or Providing Support G4-16 The Company’s Membership in Associations Scope and Boundary of Report G4-17 List of Company’s Entities Included in Report G4-18 Report Content Determination and Limitation G4-19 List of Material Aspects Identification G4-20 Limitation of Material Aspects within the Company G4-21 Limitation of Material Aspects outside the Company Influences of Re-statement regarding Information given in the Previous G4-22 Report and Reason for the Re-statement G4-23 Significant Changes from Previous Reporting Period Involvement of Stakeholders G4-24 List of Groups of Stakeholders that was Involved by the Company G4-25 Basis of Identification and Selection of Stakeholders that will be Involved G4-26 Company’s Approach in Relationship with Stakeholders Topics and Main Issues that Ever Been Issued through Relationship with G4-27 Stakeholders Report Profile G4-28 Reporting Period G4-29 Latest Date of Previous Report G4-30 Reporting Cycle G4-31 Available Contacts for Further Questions regarding Report or its Content G4-32 Index of GRI Content G4-33 Assurance
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Index Aspect and Indicator Structure and Composition of Corporate Governance G4-34 Structure of Corporate Governance G4-35 Process of Authority Delegation Position Determination with Economic, Environmental, and Social G4-36 Responsibility, and Report to Highest Governance Board Consulting Process Between Stakeholders and Highest Governance G4-37 Board regarding Economy, Environment, and Social topics G4-38 Composition of Highest Governance Board and Committees Appointment of Chairman of Highest Governance Board regarding G4-39 Doubled Position Process in Determining Qualification and Skill of Highest Governance G4-40 Board and Committees G4-41 Process in Highest Governance Board to Avoid Conflict of Interest Internal Development related with Economic, Environmental, and Social G4-42 Performance, along with the Implementation Status Policies Taken to Develop and Increase Collective Knowledge of Highest G4-43 Governance Board on Economy, Environment, and Social Topic Evaluation Process of the Performance of Highest Governance Board in G4-44 Governance of Economy, Environment, and Social Topic Role of Highest Governance Board in Identification and Management of G4-45 Impacts, Risks, and Opportunities in Economy, Environment, and Social Report on Role of Highest Governance Board in Reviewing the G4-46 Effectiveness of the Company’s Risk Management Process for Economy, Environment, and Social Topic Report on Frequency of Review by Highest Governance Board regarding G4-47 Impacts, Risks, and Opportunities in Economy, Environment, and Social Report of Highest Governance Board in Approving the Company’s G4-48 Sustainable Report Report of the Submission Process of Significant Issues to Highest G4-49 Governance Board Mechanism for Shareholders and Employees in Submiting Report/ G4-50 Recommendation Remuneration and Incentive Remuneration Policies of Highest Governance Board and Senior G4-51 Executives G4-52 Remuneration Determination Process, including Involving Consultants G4-53 Perception of Stakeholders on Remuneration G4-54 Ratio of Total Annual Compensation of Highest Governance Board G4-55 Procentage Ratio of Increment of Annual Compenstaion Ethics and Integrity G4-56 Values, Principles, Standards, and Behavior Norms of the Company G4-57 Advisory and Compliance Behavior of the Law G4-58 Reporting on Unethical and Uncompliance Behavior Disclosure of General Standards Category: Economy G4-Ec1 Direct Economic Values that are Generated and Distributed Financial Implication, Risks, and Opportunites for the Company due to G4-Ec2 Climate Changes G4-Ec3 Company’s Liability Over Defined Benefit Program G4-Ec4 Financial Aid Received From Government Aspects: Existence In The Market Ratio of Employees’ Standard Wages In Early Level With a Minimum G4-Ec5 Wages Acceptance Procedures of Local Labor And Some People In Senior G4-Ec6 Management Level Taken From Local Communities in Several Locations
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Index Aspect and Indicator Aspects: Indirect Economic Impacts Development and Impact of Infrastructure Investment and Services G4-Ec7 Provided G4-Ec8 Significant Indirect Economic Impacts Comparison of Purchasing From Local Suppliers In Significant Operating G4-Ec9 Location Category: Environment G4-En1 Direct Energy Consumption by Primary Energy Source G4-En2 Percentage of Recycled Materials Used Aspect: Energy G4-En3 Energy Consumption Within the Company G4-En4 Energy Consumption Outside the Company G4-En5 Energy Intensity G4-En6 Energy Consumption Reduction G4-En7 Reduction of Energy Needs By Products And Services Aspect: Water Total of Water Intake Based On Sources Water Sources that are G4-En8 Significantly G4-En9 Affected By The Water Intake G4-En10 Percentage and Total Volume of Water Recycled and Reused Aspect: Biodiversity Owned, Rent, Managed Operational Locations that are Adjacent G4-En11 With Protected Areas and Biodiversity Areas with High-Value Outside Protected Areas Description of Significant Impactsof Activities, Products, and Services G4-En12 AgainstBiodiversity in Protected Areas and Biodiversity Areas With HighValue Outside Protected Areas G4-En13 Protected and Restored Habitat Protected And Restored Total number of species in the IUCN Red List and Species in the National G4-En14 Protected Species List With Habitat In Place that are Influenced by Operational Activities, Based on Level of Extinction Risk Aspect: Emissions G4-En15 Direct Greenhouse Gas Emissions (GHGs) G4-En16 Indirect Energy of Greenhouse Gas Emissions (GHGs) G4-En17 Other Indirect Greenhouse Gas Emissions (GHGs) G4-En18 Intensity of Greenhouse Gas Emissions (GHGs) G4-En19 Reduction of Greenhouse Gas Emissions (GHGs) Emissions Substances of Ozone-Depleting (Bpo) that Measured Based G4-En20 on Weigh G4-En21 Nox, Sox, and Other Significant Air Emissions Aspect: Effluents And Waste G4-En22 Total Water Discharged by Quality And Objectives G4-En23 Total Weight of Waste by Type and Disposal Method G4-En24 Number and Total Volume of Significant Spills Weight of Waste Considered Hazardous that are Transported, Imported, G4-En25 Exported, Or Processed G4-En26 Identity, Size, Protected Status, and Biodiversity Value of Water Aspect: Products and Services Initiative To Handle Bad Impact On Environment And Derivative Impact G4-En27 Resulting from the Use of Products and Services G4-En28 Percentage of Recyclabe Products Sold and Packaging Materials Aspect: Compliance Monetary Value of Significant Fines and Total Number of Non-Monetary G4-En29 Penalties For Incompliance to the Law of Regulations on Environment
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Index Aspect and Indicator Aspect: Transport Significant Environmental Impacts Of Transportation of Products And G4-En30 Other Goods as wel as Materials as Materials for Corporate Operational Activitiesand Transportation of Workers Aspect: Others Total Expenditure and Investment of Environmental Protection by G4-En31 Category Aspect: Top Supplier Environmental Assessment G4-En32 Percentage of New Suppliers The Filtered Using Environmental Criteria Significant Negative Environmental Impact, Actual and Potential In G4-En33 Supply Chain Aspect: Complaints Mechanism on Environmental Problem Number of Complaints About Environmental Impact Proposed, Handled, G4-En34 and Resolved Through Official Complaint Mechanism Management Approach Management Approach Why Management Approach is Needed Mechanism of Management Approach G4-Dma Evaluation of Management Approach Results Evaluation of Management Approach Adjustments Related to Management Approach Category: Social Aspect: Employment Total and Level of New Employees Recruitment and Employees Turn G4-La1 Over by Age Group, Gender, and Region Benefits Provided For The Permanent Employees that are Not Provided G4-La2 For Temporary or Part Time Employees G4-La3 Level Re-Hiring and Retention After Maternity Leave Aspect: Industrial Relations Minimum Duration of Announcement regarding Important Operational G4-La4 Changes Aspect: Health And Safety Percentage of Total Workforce That Helps Supervising and Giving Advice G4-La5 on Work Health And Safety Type and level of Injuries, Occupational Diseases, Lost Days, and G4-La6 Absenteeism, as well as Total Number of Deaths Due to Work Workers that are Freuqently Exposed or High Risk for Diseases G4-La7 Associated With Their Work Topics on Health And Safety that are included in The Formal Agreement G4-La8 With Workers Union Aspect: Training and Education G4-La9 Average Training Hours Per Year Per Employee 91 G4-La10 Training Program For Employees Who Will Retire G4-La11 Performance Review and Career Path of Employees Aspect: Diversity and Equal Opportunity G4-La12 Composition of Governance Board And Employee Distribution Aspect: Remuneration Equality of Women and Men G4-La13 Ratio of Salary and Remuneration for Women Against Men Aspect: Assessment of Employment Practice Suppliers G4-La14 Supplier Selection based on Criteria of Employment Practice Percentage Suppliers Who Have Negative Impact upon Employment G4-La15 Practices Aspect: Complaint Mechanism of Employment Issues Number of Complaints About Employment Practices Submitted, G4-La16 Addressed, and Resolved through official Complaints Mechanism
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PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Company Profile and Sustainability Report
Performance of Sustainable Environment
Kinerja Sosial Performance Berkelanjutan of Sustainable Economy Performance of Sustainable Social
Index Aspect and Indicator Sub-Category: Human Rights Aspect: Investment Percentage and Total Number of Significant Investment Agreements and G4-Hr1 Contracts That Include Clauses related with Human Rights or Human Rights Based Screening Total Time of Employees Training About Policies Or Procedures for G4-Hr2 Human Rights Aspects that are Relevant with Company Operations Aspect: Non-Discrimination G4-Hr3 Total Number of Incidents of Discrimination and Actions Taken Aspect: Freedom of Association and Collective Labour Agreement Freedom of Association Rights Violations within the Organization or G4-Hr4 Suppliers Aspect: Child Labor Operation Units And Suppliers Identified As High Risk in Doing G4-Hr5 Exploitation of Child Labour and Actions Taken To Contribute In the Elimination of Child Labou Aspect: Forced or Compulsory Labour Workers Operation Units And Suppliers Identified as High Risk in Performing G4-Hr6 Forced or Compulsory Labour Work And Actions Taken to Eliminate it Aspect: Security Practice The percentage of Security Officers Trained In Policies Or Procedures of G4-Hr7 Human Rights that are Relevant with Company Operations Aspect : Indigenous Rights The total number of the incident a foul that involves masyarakatadat G4-Hr8 rights and action taken Aspect : Assessment Number and Percentage of Total Operations That Have Been Doing G4-Hr9 Review Or Assessment About the Impact of Human Right Aspect: Assessment Suppliers Over Human Rights G4-Hr10 New Supplier Selection Using Criteria of Human Right Percentage of Suppliers Identified Has Negative Impact Of Human G4-Hr11 Rights In Supply Chain and Actions Taken Aspect: Complaints Mechanism concerning Human Rights G4-Hr12 Number of Complaints Related to Human Rights And Solution Aspect: Local Communities Percentage of Operational Activities Involving Local Communities, G4-So1 Impact Assessment, and Program Development Applied Operational Activities with Potentially Significant Negative Impact Or G4-So2 has Caused Negative Impact For Local Communities Aspect: Anti-Corruption G4-So3 Corruption Risk Evaluation G4-So4 Anti-Corruption Training G4-So5 Corruption Incident And Actions Taken Aspect: Public Policies G4-So6 Contributions/Donations to Political Parties Aspect: Anti Competition Total Actions Related to Anti-Competition Law, Anti-Trust, as well as G4-So7 Monopoly Practices Aspect: Compliance Monetary Value of Significant Fines and Total Number of Non-Monetary G4-So8 Penalties Against Disobedience Over Applicable Lawand Regulations Aspect: Supplier Assessment regarding Impact on Society G4-So9 New Suppliers Filtering Using Criteria of Impact on Society
PT. Bank Tabungan Negara (Persero) Tbk.
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BTN Terdepan GCG Rumahkoe
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Preface
Sustainable Governance
Company Profile and Sustainability Report
Performance of Sustainable Environment
Index
Performance of Sustainable Social
Aspect and Indicator Significant Negative Impact on Society That Occur In Supply Chain and G4-So10 Actions Taken Aspect: Complaints Mechanism regarding Impact on Society Number of Complaints About Impact on Local Communities that were G4-So11 Handled And Solved through Official Complaint Mechanism Sub-Categories: Responsibility of Products Aspect: Customer’s Health And Safety Percentage of Products and Services that Have Impact On Health And G4-Pr1 Safety Number of Noncompliance Incidence over Related Regulation and G4-Pr2 Ethics about Health And Safety Impact of Products and Service Aspect: Labelling of Products and Services Type of Products and Services Information Required by the Procedures G4-Pr3 Related with Information And Labeling of Products And Services Number of Disobedience Incidents Against Regulation And Voluntary G4-Pr4 Codes Associated With Information And Labeling of Products And Services G4-Pr5 Customer Satisfaction Survey Results Aspect: Marketing Communications G4-Pr6 Sales of Prohibited Or Disputed Products Total Number of Disobedience Incidents Against Regulations and G4-Pr7 Voluntary Codes About Marketing Communications, Including Advertising, Promotion, and Sponsorship Aspect: Customer Privacy G4-Pr8 Total Number of Complaints Related to Customer Privacy Breach Aspect: Compliance Monetary Value of Significant Fines Over Disobedience Against Law and G4-Pr9 Regulations Related to Provision and Use of Products and Services
BTN Terdepan GCG Rumahkoe
2014 Sustainability Report
Kinerja Sosial Performance Berkelanjutan of Sustainable Economy
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PT. Bank Tabungan Negara (Persero) Tbk.
2014 Sustainability Report
Preface
Sustainable Governance
Company Profile and Sustainability Report
Performance of Sustainable Environment
PT. Bank Tabungan Negara (Persero) Tbk.
Kinerja Sosial Performance Berkelanjutan of Sustainable Economy Performance of Sustainable Social
BTN Terdepan GCG Rumahkoe
103
2 0 1 4 S u s t a i n a b i l i t y
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