BTN Policy Architecture

ESG Embed Policy & Procedure Architecture

Code of Ethics and Gratification Anti Corruption Policy

ESG Embed Policy & Procedure Architecture

Data Collection, Use, Storage, and Retention Policy

ESG Embed Policy & Procedure Architecture

Fair Advertising Policy

ESG Embed Policy & Procedure Architecture

Implementation of Business Ethics and Conduct Policy

ESG Embed Policy & Procedure Architecture

Portofolio Guidelines

Portfolio guidelines for Commercial and Corporate segments

Green Mortgage

Increased officer capabilities with Green Mortgage

Regular Audits of Ethical Standards

Increased officer capabilities with Green Mortgage

Implementation of Social and Environmental Responsibility Policy

Assessment of the quality of corporate programs for diversity

Occupational Safety and Health Management System (SMK3) Policy

Assessment of the quality of corporate programs for diversity

Respectful Workplace & DEI (Diversity, Equity, and Inclusion)

Assessment of the quality of corporate programs for diversity

Commitment to the Procurement Process for Goods and Services

Support for implementing Sustainable Finance for suppliers

Gender Pay Disclosure

Gender equality for women's and men's salaries

Women Talent

Support the development of the best talent through BTN TAP

Risk Management

Risk assessment commitment to bank activities

Trade Union Statement

Protection and fulfillment of employee rights

Cyber Security

Protection of customer data in the Bank's General Policy

Stakeholder Engagement

Engagement with companies that support ESG

BTN Customer Due Diligence (CDD) & Kyc Policy

Identification, verification and monitoring of customer transactions

Data Privacy

Protection of customer data in the Bank's General Policy

Debt Collection Policy

BTN has regulations governing the collection process

BTN’s Tax Principles

BTN's tax management practice principles

Bribery and Corruption

Gratification and corruption in specific policies and technical regulations

Whistleblower Policy

WBS Management in the WBS Management Technical Instructions

Business Ethics Policy

Implementation of good business ethics in the Code of Conduct

Operational Risk Management

Procedures for early detection of potential fraud risks

High Risk Jurisdiction

Enhanced Due Diligence and risk prevention

DRP

Disaster Recovery Plan Policy

ICOFr

Policy of Internal Control Over Financial Reporting

ESG Committee

The ESG Committee is chaired by the President Director and several Directors