Dasar Keberlanjutan Sustainability Foundation

Dasar Keberlanjutan

Sustainability FoundationLaporan KeberlanjutanSustainability Report2016

Dasar Keberlanjutan Sustainability Foundation

BRISyariah mengelola dana masyarakat untuk membiayai kembali usaha masyarakat dengan memperhatikan keselarasan kepentingan ekonomi, sosial, dan lingkungan hidup. BRISyariah menerapkan pendekatan green banking yang mengintegrasikan aspek lingkungan dan sosial dalam kebijakan dan proses pembiayaan untuk mendukung usaha yang berkelanjutan. Dengan demikian, kinerja keuangan berkelanjutan juga akan terjaga sehingga mampu menjadi sebuah dasar keberlanjutan.

Kinerja tersebut kami sampaikan dalam laporan ini; sebuah dasar pijakan untuk meletakkan dasar keberlanjutan yang kokoh bagi pencapaian tujuan pembangunan berkelanjutan (sustainable development goals/SDGs).

BRISyariah manages public fund to refinance community business by paying attention to the harmony of economic, social, and environmental interest. BRISyariah performs green banking approach that integrates environmental and social aspects in financing policies and process in order to support sustainable business. Thus, sustainable finance performance would be preserved, and capable becoming sustainability foundation.

This performance we present in this report; a groundwork to place a robust sustainability foundation for achievement in sustainable development goals/SDGs.

EkonomiEconomy Environment Social

Lingkungan Sosial

Terbitnya matahari mengawali hari untuk berikhtiar meraih kehidupan lebih bermakna bagi Indonesia sebagai poros maritim dunia. Begitu pula penerbitan Laporan Keberlanjutan perdana ini mengawali ikhtiar BRISyariah untuk menjalankan prinsip-prinsip keuangan berkelanjutan sebagai dasar keberlanjutan yang kokoh bagi Perusahaan, yang mendukung pencapaian pembangunan berkelanjutan.

The rising of the sun marks the day, signaling us to strive for a more meaningful life for Indonesia, as the axis of the maritime world. Similarly, the publication of this initial Sustainability Report pioneers BRISyariah’s endeavor in actualizing sustainable finance principles as a solid sustainability foundation for Company, which supports sustainable development achievement.

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DASAR KEBERLANJUTANSUSTAINABILITY FOUNDATION

Laporan Keberlanjutan 2016


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IKHTISAR KINERJA KEBERLANJUTANSustainability Perform

ance Highlights

MENDORONG PERTUM

BUHAN PEREKENOM

IAN NASIONALEncouraging National

Economic Growth

MENGINTEGRASIKAN LINGKUNGAN

DAN MASYARAKAT

MENERAPKAN TATA KELOLA

BERKELANJUTANM

ENGELOLA SUMBER DAYA INSANI

Managing Hum

an ResourcesIntegrating Environm

ent andCom

munity

Implem

enting Sustainable Governance

Sustainability Report 1Laporan Keberlanjutan 2016 Sustainability Report


DAFTAR ISICONTENTS

TEMATHEME

IKHTISAR KINERJA KEBERLANJUTANSUSTAINABILITY PERFORMANCE HIGHLIGHTS LAPORAN DIREKSIREPORT OF THE BOARD OF DIRECTORS

PROFIL LAPORANREPORT PROFILE

PROFIL PERUSAHAANCOMPANY PROFILE

MENDORONG PERTUMBUHAN PEREKONOMIAN NASIONALENCOURAGING NATIONAL ECONOMIC GROWTH

- Menumbuhkan Kinerja Positif Cultivating Positive Performance

- Melayani Nasabah Berbasis Teknologi Serving Technology Based Customer

MENGINTEGRASIKAN LINGKUNGAN DAN MASYARAKATINTEGRATING ENVIRONMENT AND COMMUNITY

- Mendukung Inisiatif Green Banking Supporting Green Banking Initiative

- Membangun Masyarakat Building Community

MENGELOLA SUMBER DAYA INSANIMANAGING HUMAN RESOURCES

- Memperkuat Sinergi Karyawan Strengthening Employees’ Synergy

- Meningkatkan Kompetensi Karyawan Improving Employees’ Competencies

MENERAPKAN TATA KELOLA BERKELANJUTANIMPLEMENTING SUSTAINABLE GOVERNANCE

- Memperkokoh Komitmen Tata Kelola Reinforcing Governance Commitments

- Menjaga Kepuasan Nasabah Maintaining Customer Satisfaction

Indeks Isi GRI G4GRI G4 Content Index

Daftar Singkatan & IstilahList of Abbreviations and Glossary

Lembar Umpan BalikFeedback Form

01

05

14

38

50

62

70

18

44

56

65

78

26

37

49

80

69

61

84

85

Laporan Keberlanjutan 2016 Sustainability Report


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CAPAIAN UTAMAMAIN OUTCOMES

Perguruan Tinggi se-Indonesia Menerima Bantuan ‘SALAM BRIS’Universities throughout Indonesia Received ‘SALAM BRIS’ Assistance

Penerima Manfaat Program CSR Bidang PendidikanBeneficiaries of CSR Program in Education

Pengaduan Nasabah TerselesaikanResolved Customer Complaints

100%136

50



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Sustainability Report

Oversubscribed penjualan Sukuk Mudharabah Subordinasi I BRISyariah Tahun 2016Oversubscribed purchase of Mudharabah Sukuk Subordination I BRISyariah of 2016

Jumlah Agen Laku Pandai Total Branchless Bank Agents

200% 284



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Bagi BRISyariah, keberlanjutan adalah mengintegrasikan aspek ekonomi, lingkungan dan sosial dalam kebijakan operasional perusahaan yang selaras dengan tata kelola perusahaan. Dasar keberlanjutan ini sejalan dengan lima aspek (5Ps) dalam tujuan pembangunan berkelanjutan (SDGs) yang saling berhubungan, yaitu: people (manusia), planet (bumi), prosperity (kemakmuran), peace (perdamaian) dan partnership (kemitraan).

Kontribusi Inisiatif Keberlanjutan pada SDGsContribution of Sustainability Iniative in SDGs

8 Pertumbuhan Ekonomi8 Econonomic Growth

10 Reduces Inequalities

13 Climate Action

15 Live on Land

4 Quality Education

5 Gender Equality

16 Peace Justice and Strong Institutions

4 Kualitas Pendidikan yang Baik

15 Menjaga Ekosistem Darat

10 MengurangiKetimpangan

5 Kesetaraan Gender

16 Perdamaiandan Keadilan

13 Mencegah Dampak Perubahan Iklim

Mendorong Pertumbuhan Ekonomi Nasional Encouraging National Economic Growthmi Nasional

Mengintegrasikan Lingkungan dan MasyarakatIntegrating Environment and Community

Menerapkan Tata Kelola BerkelanjutanImplementing Sustainable Governance

Mengelola Sumber Daya InsaniManaging Human Resources

BRISyariah menawarkan berbagai kemudahan transaksi nasabah melalui layanan on-line banking/electronic banking yang mampu menjangkau masyarakat luas tanpa terkendala batas waktu dan wilayah. Inisiatif keberlanjutan ini sejalan dengan program inklusi keuangan yang dicanangkan pemerintah untuk mendorong pertumbuhan ekonomi nasional.BRISyariah offers a number of transactions easiness for customer through online banking/electronic banking, enabling to reach wider public without limits of time and place. This sustainability initiative aligns with financial inclusion program proclaimed by government in encouraging national economic growth.

Melalui pendekatan green banking, BRISyariah mengintegrasikan aspek lingkungan dan sosial dalam kebijakan dan proses pembiayaan kepada dunia usaha. BRISyariah juga melaksanakan tanggung jawab sosial perusahaan (CSR) sebagai bagian penting dan menyatu dengan strategi korporasi jangka panjang yang dijalankan oleh Perusahaan.Through green banking approach, BRISyariah integrates environmental and social aspects in financing policies and process to business sector. BRISyariah also performs its corporate social responsibility (CSR) as an essential part and joined with long term corporate strategies.

BRISyariah selalu menjaga komposisi karyawan sesuai kebutuhan Perusahaan dan meningkatkan kompetensinya dalam bidang perbankan syariah untuk memberikan layanan prima kepada nasabah.BRISyariah maintains the composition of employees in accordance with the Company’s needs and improves their competencies in syariah banking to provide prime services to customer.

BRISyariah menerapkan tata kelola perusahaan yang baik di seluruh kegiatan/aktivitas operasional perbankan.BRISyariah performs good corporate governance in all banking operations.

For BRISyariah, sustainability means to integrate economic, environmental, and social aspects in the company’s operations policy, which aligns with corporate governance. This sustainability foundation is in line with five aspects (5Ps) in the interrelated sustainable development goals (SDGs), which are: people, planet, prosperity, peace, and partnership.

KOMITMEN KEBERLANJUTANSUSTAINABILITY COMMITMENTS



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IKHTISAR KINERJA KEBERLANJUTANSUSTAINABILITY PERFORMANCE HIGHLIGHTS

Ketahanan FinansialFinancial Security

Inklusi KeuanganFinancial Inclusion

Capital Adequacy Ratio (CAR)

Financing Deposit Ratio (FDR)

Biaya Operasional Pendapatan Operasional (BOPO)Operational expenses to operating revenues

2014 2014

2014 2014

2014 2014

2014

2015 2015

2015 2015

2015 2015

2015

2016 2016

2016 2016

2016 2016

2016

12,89%

93,90%

99,77%

13,94%

84,16%

93,79%

20,63%545252

81,42%

91,33%

206*208206

111111

*Kantor cabang pembantu naik status menjadi kantor cabang*Sub-branch office status was upgraded to branch office

674 675

1.044

Kantor Kas Cash Office

Kantor Cabang Pembantu Sub-branch Office

Kantor Cabang Branch Office

Kantor Layanan Syariah Sharia Service Office



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$

$

Inklusi KeuanganFinancial Inclusion

Jumlah Laku Pandai 2016 Total Branchless Bank 2016Jumlah Volume Pendanaan per Segmen (Rp Juta)Total Funding Volume per Segment (Million Rp)

Tabungan Per SegmenSavings Per Segment

Tabungan per Sektor (Rp Juta)Savings Per Sector (Million Rp)

Bukan lapangan usaha lainnya Other non-business fields

Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Community, socio-culture, entertainment, and other personal services

Agen Agent

Mikro Micro

Nasabah CustomerNon Mikro Non Micro

2014 2015 2016

40.219

32.320

19.991

20.1

15.8

34

22.0

04.8

38$

$ $ $

$ $ $

$ $ $

$ $ $

$ $

$ $

$

$

$

$

$

16.9

44.2

59

11.484.578

9.585.693

7.477.034

859284

7.497.492

8.374.183

8.456.395

2014 2014

2015 2015

2016 2016

Industri Pengolahan Processing industry

362.592

498.799

455.282

2014

2015

2016

Jasa kesehatan dan kegiatan sosial Health services and social activities

19.501

20.705

20.438

2014

2015

2016

$

$



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Jasa Pendidikan Educational Services

Konstruksi Construction struksi

Listrik, gas dan air Electricity, gas, and water, gas dan air

Penerima pembiayaan bukan lapangan usaha Non-business field debtor

Penyediaan akomodasi dan penyediaan makan minum Provision of accommodation, and food and beverages

Perantara keuangan Financial intermediary

2014 2014

2014 2014

2014 2014

2015 2015

2015 2015

2015 2015

2016 2016

2016 2016

2016 2016

89.459 14.882

203.49921.065

227.3361.748

78.518 14.869

222.22940.166

164.760 1.232

57.021 12.699

158.013 19.615

6.729

1.521



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2014 2015 2016

Pertambangan dan penggalian Mining and excavation

25.829

11.32614.107


2014 2015 2016

86.39781.282

86.700

Pertanian, perburuan dan kehutanan Agriculture, hunting, and forestry

2014 2015 2016

18.84521.14426.485

Real estate, usaha persewaan, dan jasa perusaaanReal estate, rental business, and services company

2014 2015 2016

Perdagangan besar dan eceran Wholesale and retail trade

413.337402.804

428.361

2014 2015 2016

PerikananFishery

603.323612.548

676.029

2014 2015 2016

13.96420.188

26.717

Transportasi, pergudangan dan komunikasiTransportation, warehouse, and communication



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Jumlah Nasabah Pendanaan (orang)Total Customer Funding (person)

2014 2015 2016

64.30741.448

21.955

1.329.7931.365.879

1.623.221

Nasabah Per SegmenCustomer Per Segment

Mikro Micro

Non Mikro Non Micro

2014 2015 2016

Bukan lapangan usaha lainnya Other non-business fields

1.517.1271.277.3281.231.489

Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Community, socio-culture, entertainment, and other personal services

2014 2015 2016

54.223

47.58352.972

Industri Pengolahan Processing industry

2014 2015 2016

11.6228.3468.731

Jasa kesehatan dan kegiatan sosial Health services and social activities

2014 2015 2016

2.3371.560

1.535

Nasabah per Sektor Customer Per Sector



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Penerima Pembiayaan bukan lapangan usaha Non-business field debtor

2014

2015

2016

Jasa Pendidikan Educational services

17.254

11.203

9.787

2014

2015

2016

1.582

1.364

1.295

2014

2015

2016

Konstruksi Construction

1.994

1.538

1.402

Listrik, gas dan air Electricity, gas, and water

2014

2015

2016

767

635

640

Perantara keuangan Financial intermediary

2014

2015

2016

332

242

256

Penyediaan akomodasi dan penyediaan makan minum Provision of accommodation, and food and beverages

2014

2015

2016

2.683

1.845

1.653



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2014 2015 20162014 2015 2016

2014 2015 20162014 2015 2016


2014 2015 2016

37.9197.479

1.356

1,196

24.097 4.732

1.194

897

14.807 3.368

1.269

753

Perdagangan besar dan eceran Wholesale and retail trade

26.94422.856

20.401

PerikananFishery

2014 2015 2016

599457

378

Pertambangan dan penggalian Mining and excavation

Pertanian, perburuan dan kehutanan Agriculture, hunting, and forestry

Real estate, usaha persewaan, dan jasa perusaaanReal estate, rental business, and services company

Transportasi, pergudangan dan komunikasiTransportation, warehouse, and communication



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8.867

212.808

N/A

145.824

77%

KetenagakerjaanEmployment

2014

2014

2014

2015

2015

2015

2016

2016

2016

Jumlah Peserta TrainingTotal Training Participant

Rata-rata Jam Pelatihan KaryawanEmployees’ Average Training Hours

Results of Employee Satisfaction Survey

Hasil Survei Kepuasan Karyawan

Layanan PelangganCustomer Service

Jumlah mesin ATMTotal ATM

2014 2015 2016

504487486

11.889

285.336

93%

6.076



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Tanggung Jawab Sosial dan LingkunganCorporate Social and Environment Responsibilities

Uraian 2016 2015 2014

- Jumlah Dana TJSL (juta Rupiah) Total TJSL Fund (million Rupiah) 1.724 1.374 2.714

- Jumlah Kegiatan Total Activities 108 100 144

Lingkungan Hidup Environment

- Eksternal External

a. Jumlah pendanaan pada green projects* Total funding in green projects* (million Rp) 229.809 221.927 140.432

b. Kualitas pinjaman green projects* Loan quality of green projects Kol. 1** Kol. 1 Kol. 1

- Internal Internal

a. Pemakaian Kertas (Rim) Use of Paper (Ream) 3.262 2.875 1.177

b. Biaya Penggunaan Bahan Bakar (Rupiah) Cost of Fuel Use (Rupiah) 321.735.623 331.036.564 320.319.337Kualifikasi green project di BRIS:Pembiayaan pada proyek pembangkit listrik tenaga mini hidro (PLTMH), perkebunan sawit yang sudah memiliki sertifikat ISPO, pabrik tapioka yang limbahnya digunakan sebagai biogas (pembangkit listrik), peternakan ayam petelur dengan teknologi closed house.Kolektibilitas 1 (lancar) Green project qualification in BRISyariah:Financing in mini-hydro power plant project (PLTMH), palm plantation with ISPO certificate, tapioca factory of which the waste is used as biogas (power plant), laying hens farm with closed house technologyCollectibility 1 (performing)

*

***

**



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LAPORAN DIREKSI [G4-1]

REPORT OF THE BOARD OF DIRECTORS

Assalamu’alaikum Warahmatullahi Wabarakatuh.Pemangku kepentingan yang terhormat,

Alhamdulillah, puji syukur kita panjatkan kehadirat Allah SWT yang telah membimbing kami melewati tantangan utama tahun 2016 akibat dinamika ekonomi global yang mengakibatkan pertumbuhan ekonomi domestik mengalami perlambatan. Data Survei Laporan Moneter Indonesia Triwulan IV 2016 Bank Indonesia menunjukkan pertumbuhan ekonomi 5,02%, di bawah target pertumbuhan 5,2% yang dicanangkan Pemerintah.

Pencapaian tersebut masih belum cukup mendorong pertumbuhan signifikan pada dunia perbankan. Data terakhir dari Otoritas Jasa Keuangan (OJK) melaporkan total aset, pembiayaan, dan Dana Pihak Ketiga (DPK) industri perbankan nasional hanya mampu tumbuh single digit. Oleh karena itu, masih diperlukan upaya

Assalamu’alaikum Warahmatullahi Wabarakatuh.Our honored stakeholders,

Alhamdulillah/Praise be to God, our gratitude to Allah SWT that has guided us through major challenges in 2016 due to the dynamic of global economy causing the slowdown in domestic economic growth. Survey Data of Monetary Policy Report Quarter IV 2016 of Bank Indonesia shows 5.02% for economic growth, below the growth target 5.2% announced by Government.

The achievement is still inadequate to drive significant growth in banking sector. The latest data from Financial Services Authority (OJK) reports total assets, financing, and Third Party Fund (DPK) of national banking industry only managed to develop in single digit. Therefore, substantial effort is needed to



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besar untuk mendorong pertumbuhan ekonomi, khususnya pada sektor UMKM.

Landasan KeberlanjutanPada saat kondisi perekonomian masih penuh dengan dinamika, kami berupaya untuk memperkokoh landasan keberlanjutan. Kami memulainya dengan inisiatif green banking pada tahun 2016 sebagai wujud komitmen untuk mengaktualisasikan keuangan berkelanjutan (sustainable finance). Komitmen ini tertuang dalam kebijakan perusahaan yang mengintegrasikan kinerja ekonomi, lingkungan, sosial dan tata kelola perusahaan.

Kami berinisiatif membentuk Satuan Kerja Pendampingan Implementasi Sustainable Finance. Satuan kerja ini membantu menentukan arah strategis dan target BRISyariah dalam meningkatkan integrasi keuangan berkelanjutan serta sasaran pelaksanaan dalam implementasi Keuangan Berkelanjutan (KB)/Lingkungan, Sosial dan Tata Kelola (LST) di BRISyariah.

Kami mengimplementasikan praktik inisiatif keuangan berkelanjutan melalui upaya: menerapkan kebijakan pembiayaan green banking; penguatan teknologi informasi (TI); mengelola sumber daya insani dan melaksanakan tata kelola berkelanjutan. Inisiatif ini bertujuan mendukung pencapaian sasaran peta jalan sustainable finance untuk periode 2015-2019 sebagaimana telah tertuang dalam Peraturan OJK (POJK).

Salah satu upaya yang kami lakukan adalah penguatan struktur permodalan. Dalam memperkuat struktur permodalan dan menunjang kegiatan pengembangan usaha berupa penyaluran pembiayaan, kami meluncurkan Sukuk Mudharabah Subordinasi I dengan akad mudharabah sebesar Rp1 triliun pada semester II 2016. Sukuk ini meraih rating A+ dari Fitch Rating dan oversubscribed hingga mencapai Rp2.075 triliun atau 200% dari rencana emisi. Strategi KamiKegiatan pengembangan usaha BRISyariah didukung berbagai kemudahan transaksi nasabah melalui layanan on-line banking/electronic banking untuk mewujudkan program inklusi keuangan yang telah dicanangkan oleh Pemerintah. Tahun 2016, kami mengintensifkan program Laku Pandai yang diprakarsai Otoritas Jasa Keuangan (OJK) melalui layanan Laku Pandai BRIS (BRISSMART) dengan pencapaian 284 agen dan 859 nasabah. Kami juga

encourage economic growth, especially in small and medium enterprises (UMKM).

Sustainability FoundationWhen the economic condition was still overwhelmed with dynamics, we endeavored to strengthen the sustainability foundation. We initiated green banking initiative in 2016 as commitment in actualizing sustainable finance. This commitment is expressed in company’s operations policy that integrates economic, environmental, social performances, and corporate governance.

We took the initiative to establish Sustainable Finance Implementation Assistance Working Unit. This working unit helps determining strategic directions and target of BRISyariah in improving sustainable finance integration as well as implementation objectives regarding Sustainable Finance (KB)/Environmental, Social, and Governance (LST) in BRISyariah.

We implement sustainable finance initiative practices through these efforts: implement green banking financing policy; reinforcement of information technology (TI); manages human resources, and performs sustainable governance. This initiative aims to support the achievement of objectives of sustainable finance roadmap period 2015-2019 as stated in Regulation of OJK (POJK).

One of the efforts that we conducted was strengthening capital structure. In the spirit of strengthening capital structure and supporting business development in the form of financing dibursement, we launched Mudharabah Sukuk Subordination I with mudharabah qardh Rp1 trillion in semester II 2016.This sukuk obtained A+ rating from Fitch Rating and oversubscribed until it reached Rp2,075 trillion or 200% of emission plan.

Our StrategiesBusiness development of BRISyariah is supported by various customer transaction conveniences through online banking/electronic banking service to realize financial inclusion program announced by Government. In 2016, we intensified Branchless Bank program that was initiated by Financial Services Authority (OJK) through Branchless Bank BRIS (BRISSMART) with achievement of 284 agents and 859 customers. We also amplified ATM BRISyariah



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memperkuat jaringan ATM BRISyariah dengan jaringan ATM Prima dan ATM Bersama di seluruh Indonesia. Jumlah transaksi di ATM BRISyariah mengalami peningkatan sebesar 10,56% dari sebesar 15,43 juta transaksi di tahun 2015 menjadi 17,06 juta transaksi.

Pencapaian kinerja tahun 2016 tidak lepas dari dukungan sumber daya insani sebanyak 5.147 karyawan BRISyariah. BRISyariah berusaha untuk menjaga komposisi ideal antara lini Marketing dan Non-Marketing dengan tetap menjaga produktivitas dari tiap-tiap Unit Kerja. Selain itu, kami konsisten terus menjalankan program pengembangan utama, yakni Sharia Officer Development Program (SODP). Jumlah peserta SODP yang masuk kedalam tahap pendidikan pada tahun 2016 sebanyak 59 orang dari berbagai daerah dan Universitas di Indonesia.

Seluruh karyawan BRISyariah terus ditingkatkan kompetensinya melalui program pendidikan/pelatihan perbankan syariah. Pada tahun 2016, telah dilaksanakan pelatihan klasikal sebanyak 105 program dengan jumlah peserta 1.626 orang. Selain itu, terdapat pelatihan e-learning sebanyak 47 program dengan jumlah peserta 10.262 orang. Peningkatan kompetensi karyawan difokuskan kepada para tenaga pemasar agar berkualitas dan produktif. Secara bersamaan peningkatan kompetensi pada lini yang lain juga tetap dijalankan bagi karyawan BRISyariah.

Pada tahun 2016, kami fokus menerapkan strategi segmentasi dan komposisi pembiayaan green banking untuk mendukung program pemerintah, seperti pada segmen kelistrikan dan UKM. Pada segmen kelistrikan, pembiayaan green banking telah disalurkan kepada delapan nasabah untuk membangun Pembangkit Listrik Tenaga Mini Hidro (PLTMH). Total plafon yang disetujui sebesar Rp233 miliar, telah direalisasikan sebesar Rp134 miliar, dan baki debet pada akhir tahun sebesar Rp59 miliar.

Selain itu, komitmen menuju keuangan berkelanjutan (sustainable finance) juga diwujudkan melalui segmen bisnis mikro. Pembiayaan mikro yang disalurkan meningkat 11,88%, dari Rp3,53 triliun pada tahun 2015 menjadi Rp3,92 triliun pada tahun 2016. Rerata pertumbuhan Mikro pertahun selama 6 (enam) tahun terakhir sebesar Rp583 miliar.

network with ATM Prima and ATM Bersama across Indonesia. Total transactions at ATM BRISyariah increased by 10.56% from 15.43 million of transactions in 2015 to 17.06 million transactions.

2016 performance achievement was attributed to human resources support amounting to 5,147 employees of BRISyariah. BRISyariah made the effort to continue maintain productivity of each Working Unit. Moreover, we are consistently conducting our key development program, which is Sharia Officer Development Program (SODP). Number of SODP participants who managed to penetrate education stage in 2016 amounting to 59 people, coming from diverse regions and Universities in Indonesia.

Competencies of all BRISyariah employees are continually improved through sharia banking education/training program. In 2016, classroom training was conducted in a total of 105 programs with 1,626 participants. Moreover, e-learning training was held as many as 47 programs with 10,262 participants. Employee competencies improvement was focused on marketers in order to be qualified and productive. Competencies improvement in other lines were also conducted by BRISyariah’s employees simultaneously.

In 2016, we focused on the implementation of segmentation strategies and green banking financing composition to support government program, such as electricity and SME segments. In electricity segment, green banking financing has been disbursed to eight customers to build Mini Hydro Power Plant (PLTMH). Of the agreed total of ceiling of Rp233 billion, it has been realized to the amount of Rp134 billion, and debit balance in year end amounting to Rp59 billion.

Furthermore, committment towards sustainable finance was also embodied in micro business segment. DIsbursed micro financing in 2016 increased by 11.88% from Rp3.53 trillion in 2015 to Rp3.92 trillion in 2016. Average of micro growth per annual throughout the last 6 (six) years reached Rp583 billion.



17


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Meraih Peluang BisnisKami juga berupaya mengenalkan operasional bisnis bank syariah kepada masyarakat melalui kegiatan tanggung jawab sosial perusahaan (CSR). Melalui program ‘BRISyariah Berfaedah’ pada bidang pendidikan, kami menghibahkan aplikasi laboratorium perbankan Sistem Aplikasi Laboratorium Minibanking BRISyariah dengan nama ‘SALAM BRIS’ pada tahun 2016 kepada 42 anggota Asosiasi Fakultas Ekonomi dan Bisnis Indonesia (AFEBI).

Pelaksanaan CSR ini merupakan salah satu strategi BRISyariah sekaligus investasi jangka panjang untuk mencapai pertumbuhan dan keberlanjutan (sustainability) Perusahaan. Kami meyakini peluang untuk tumbuh dan berkembang BRISyariah masih sangat besar, mengingat share perbankan syariah di Indonesia yang masih sangat kecil (±5%).

Optimisme meraih peluang masa depan yang lebih baik, kami bangun dengan terus berupaya meningkatkan dan melakukan perbaikan nilai pelaksanaan GCG di seluruh level unit kerja. Hasil self assessment penerapan GCG BRISyariah tahun 2016 memperoleh nilai 2 atau masuk dalam predikat “Baik”.

Terkait target-target yang belum terpenuhi pada tahun 2016, seperti pencapaian pembiayaan mikro yang baru mencapai 91,80% dari target yang ditetapkan, kami terus berupaya untuk mengimplementasikan strategi terbaik dalam menghadapi berbagai kendala. Kami berupaya mencapai semua target di tahun 2017.

Perkenankanlah saya, atas nama Direksi mengucapkan terima kasih dan penghargaan yang tinggi kepada seluruh pemangku kepentingan, terutama karyawan atas segala upaya dan dedikasi yang tinggi sehingga BRISyariah terus tumbuh dan berkembang sesuai harapan. Kepada para nasabah, kami sampaikan apresiasi atas dukungan dan kesetiaannya kepada kami. Kita semua berharap apa yang menjadi ikhtiar kita semua diberkahi Allah SWT dan menjadi bagian dari amal ibadah kita. Amiin.

Seizing Business OpportunitiesWe also strive to introduce sharia bank’s business operations to the public through corporate social responsibility (CSR). By means of ‘BRISyariah Berfaedah” program in education, we granted banking laboratorium application BRISyariah Minibanking Laboratory Application System or known as ‘SALAM BRIS’ in 2016 to 42 members of Indonesian Association of Economics and Business Faculties (AFEBI).

This CSR implementation is one of BRISyariah strategies as well as long term investment to achieve growth and sustainability of the Company. We believe the opportunity to grow and improve are still boundless since shares in Indonesia’s sharia banking is still relatively small (±5%).

With the optimism of achieveing a better future, we keep developing to increase and improve GCG implementation value in all working unit levels. Results of self-assessment in 2016 GCG BRISyariah managed to get score 2 or fell under the predicate of “Good”.

Related to incomplete targets in 2016, such as the achievement of micro financing that just reached 91.80% of the established target, we continued to implement outstanding strategies in facing various obstacles. We made efforts to achieve all targets in 2017.

Please allow me, on behalf of the Board of Directors to express sincere gratitude and appreciation to all stakeholders, especially the employees for their genuine efforts and dedication, so that BRISyariah is continuously growing and improving as expected. To all customers, we would like to express our appreciation for your support and loyalty to us. We hope our business efforts will be blessed by Allah SWT, on which we will be rewarded in the hereafter.

Wassalamu’alaikum Warahmatullahi Wabarakatuh.Jakarta, Maret 2017 Jakarta, March 2017

Moch. Hadi SantosoDirektur Utama President Director



18

PROFIL LAPORANREPORT PROFILE

Laporan PerdanaLaporan Keberlanjutan 2016 BRISyariah merupakan terbitan perdana yang berisi kinerja lingkungan, sosial dan ekonomi. Laporan tahunan ini berisi tentang kinerja keberlanjutan pada periode 1 Januari hingga 31 Desember 2016. [G4-28, G4-29, G4-30]

Laporan ini disusun mengacu pada panduan Global Reporting Initiative versi 4 (GRI-G4) dengan memilih opsi in accordance-core. Laporan juga dilengkapi dengan suplemen sektor jasa keuangan (financial services sector supplement/FS) yang diterbitkan GRI. BRISyariah belum melakukan proses penjaminan dari lembaga assurance independen, namun demikian sumber data dan informasi dalam laporan ini disajikan dari dokumen pencatatan internal yang terpercaya dan disetujui oleh pimpinan tertinggi Perusahaan. [G4-32, G4-33]

Penentuan Isi dan Kualitas LaporanProses penentuan isi laporan memperhatikan prinsip keterlibatan pemangku kepentingan, konteks berkelanjutan, materialitas, dan kelengkapan. Kualitas pelaporan mempertimbangkan prinsip keseimbangan, komparabilitas, akurasi, ketepatan waktu, kejelasan, dan keandalan.

First ReportSustainability Report 2016 BRISyariah is the initial report, consisting of environmental, social, and economic performance. This annual report comprises of sustainable performance in the period of 1 January to 31 December 2016. [G4-28, G4-29, G4-30]

This report is prepared in accordance with Global Reporting Initiative version 4 (GRI-G4) by choosing the option of in accordance-core. It is also supplemented with financial services sector supplement (FS) that was published by GRI. BRISyariah has yet to perform assurance process from independent assurance institution, but sources of data and information stated in this report is presented from trusted internal records and approved by the highest leadership of the Company. [G4-32, G4-33]

Defining Reporting Content and QualityProcess of defining reporting content takes into account stakeholder inclusiveness, sustainability context, materiality, and completeness. Reporting quality includes balance, comparability, accuracy, timeliness, clarity, and reliability.



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Melalui proses focus group discussion (FGD) pada 1 Maret 2017, BRISyariah menentukan prioritas aspek dan isu keberlanjutan yang material dengan kategori tinggi dan sedang. FGD dihadiri oleh Corporate Secretary Group (CSG), Commercial Banking Group (CBG), Risk Management Group (RMG), Financing Review Group (FRG), Financing Support Group (FSG), Network and Logistic Group (NLG), Operation and Service Group (OSG), Retail Banking Group (RBG), Compliance Desk (COD) dan Human Capital Group (HCG) sebagai pemangku kepentingan internal dan akademisi, serta penggiat kinerja keberlanjutan perbankan sebagai pemangku kepentingan eksternal. Through focus group discussion (FGD) on 1 March 2017, BRISyariah decided the priorities of aspect and material sustainability issues to very high and average category. The FGD was attended by Corporate Secretary Group (CSG), Commercial Banking Group (CBG), Risk Management Group (RMG), Financing Review Group (FRG), Financing Support Group (FSG), Network and Logistic Group (NLG), Operation and Service Group (OSG), Retail Banking Group (RBG), Compliance Desk (COD) and Human Capital Group (HCG) division as internal stakeholders and academicians, as well as banking sustainable performance activators as external stakeholders.

Tahapan Penetapan Isi Laporan: [G4-18]

Stages of Defining Report Content:

1.

3.

2.

4.

Identifikasi Identification

Validasi Validation

Prioritasi Prioritization

Tinjauan Review

Identifikasi aspek-aspek keberlanjutan (sustainability context) dipilih yang relevan dengan karakteristik industri perbankan, dan pengaruhnya terhadap pemangku kepentingan.Identification of sustainability context were relevantly selected with the characteristics of banking industry, and its effect to stakeholders.

Seluruh aspek material (completeness) mendapat validasi dari Risk Management Group Head untuk memastikan prioritas informasi yang akan disampaikan dalam laporan ini.All material aspects (completeness) received validation from Risk Management Group Head to assure the priorities of information that would be delivered in this report.

BRISyariah akan melakukan kajian ulang atas laporan ini dengan memperhatikan masukan dari pemangku kepentingan, baik internal maupun eksternal (stakeholder inclusiveness) untuk pembuatan laporan berikutnya. BRISyariah will perform review on this report by taking account input from stakeholders, internally and externally (stakeholder inclusiveness) for the next report preparation.

V

V



20

Alur Penentuan Isi LaporanFlow of Defining Reporting Content

Langkah 4: Review

Konteks Keberlanjutan

Konteks Keberlanjutan

Sustainability Context

Sustainability Context

MaterialitasMateriality

Step 4 Review

KelengkapanCompleteness

Pelibatan Pemangku Kepentingan

Pelibatan Pemangku Kepentingan

Stakeholder Inclusiveness

Stakeholder Inclusiveness

TopikTopic

AspekAspect

Pengungkapan Pendekatan Manajemen + IndikatorDisclosures on Management Approach + Indicator

Langkah 1: IdentifikasiStep 1 Identification

Langkah 3: ValidasiStep 3 Validation

Langkah 2: PrioritasStep 2 Prioritization

Aspek Material [G4-19]

BRISyariah menetapkan lima informasi material berada pada kategori ‘tinggi’ dan tiga informasi lainnya berada pada kategori ‘sedang’.

Material Aspects [G4-19]

BRISyariah defined five material information in ‘high’ category and other three information in ‘average’ category.

Kategori TinggiHigh Category

Kategori SedangAverage Category

Kinerja KeuanganFinancial Performance

Anti KorupsiAnti-Corruption

Portofolio Produk & Kualitas PinjamanProduct Portfolio & Loan Quality

Perlindungan Informasi NasabahCustomer Information Protection

Teknologi ModernModern Technology

Pengaruh Ekonomi Tidak LangsungIndirect Economy Effect

Pendidikan Syariah dan Inklusi KeuanganSharia Education and Financial Inclusion


1.

2.

3.

4.

5.

6.

7.

8.

LAPORAN

KEBERLANJU

TAN 2016 SU

STAINABILITY REPO

RTD

asar Keberlanjutan Sustainability Foundation

Dasar Keberlanjutan

Sustainability FoundationLaporan KeberlanjutanSustainability Report2016

Laporan KeberlanjutanSustainability Report2016

PT Bank BRISyariahKantor Pusat | Head OfficeJl. Abdul Muis No. 2-4 Jakarta Pusat 10160, Indonesia

Phone : +62 21 52962351Faks : +62 21 52962348



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Matriks Aspek Material [G4-19]

Material Aspect Matrix

Informasi Material dengan Kategori “Tinggi”Material information with “High” category

Informasi Material dengan Kategori “Sedang”Material information with “Average” category

Financial Performance

Anti-Corruption

Product Portfolio & Loan Quality

Customer Information ProtectionProtection an Informasi Nasabah

Modern Technology

Kategori Rendah

Kate

gori

Rend

ah

Kategori Sedang

Kate

gori

Seda

ng

Kategori Tinggi

Kate

gori

Ting

gi

Low Category

Low

Cat

egor

y

Average Category

Aver

age

Cate

gory

High Category

Hig

h Ca

tego

ry

Indirect Economy Effect

Anti Korupsi

Perlindungan Informasi Nasabah

Pengaruh Ekonomi Tidak Langsung

Sharia Education and Financial Inclusion

Employment

Kinerja Keuangan

Portofolio Produk & Kualitas Pinjaman

Teknologi Modern

Pendidikan Syariah dan Inklusi Keuangan

Ketenagakerjaan

Peng

aruh

Teh

adap

Pem

angk

u Ke

pent

inga

nIn

fluen

ce o

n St

akeh

olde

rs

Pengaruh Terhadap Perusahaan Influence on Company

Ruang Lingkup Laporan BRISyariah belum memiliki anak perusahaan sehingga informasi keuangan bukan hasil konsolidasian dengan entitas yang lain. Data laporan keuangan dalam Laporan Keberlanjutan 2016 merujuk pada data Laporan Keuangan PT Bank BRISyariah Per 31 Desember 2016 dan untuk tahun yang berakhir pada tanggal tersebut beserta laporan auditor independen. Data kinerja lingkungan terkait informasi penggunaan kertas, listrik, air, dan BBM berasal dari kantor pusat. [G4-17, G4-20, G4-21]

Dalam laporan pertama ini, tidak ada perubahan cakupan dan batasan aspek keberlanjutan yang disampaikan. Tidak ada pula pernyataan ulang atas informasi yang diberikan pada laporan dan alasan pernyataan ulang tersebut. [G4-22, G4-23]

Scope of ReportBRISyariah has yet to have subsidiaries, so that its financial information is not a result of consolidation with other entities. Data of financial report in Sustainability Report 2016 refers to PT Bank BRISyariah Financial Report Per 31 December 2016 and for the year ended on that date together with independent auditor report. Environmental performance data relating to information on use of paper, electricity, water, and fuel stems from head office. [G4-17, G4-20, G4-21]

There is no changes in scope and sustainable aspect boundaries within this first report. Further, there are also no restatements of the information provided in the report and the reasons for such restatements. [G4-22, G4-23]



22

Topik KeberlanjutanSustainability Topic

Informasi PentingSignificant Information

Aspek Material GRI G4Material Aspect

GRI G4

Dampak Pada Pemangku KepentinganImpacts to Stakeholders

Dalam PerusahaanInternal

Luar PerusahaanExternal

Mendorong Pertumbuhan Ekonomi NasionalEncouraging National Economic Growth

Kinerja KeuanganFinancial Performance

Kinerja EkonomiEconomic Performance

Pemegang Saham dan Investor, Pekerja, Shareholders and Investors, Employees

Nasabah, PemerintahCustomer, Government

Teknologi ModernModern Technology

FS Portofolio Produk FS Product Portfolio

Pemegang Saham dan Investor, PekerjaShareholders and Investors, Employees


Mengintegrasikan Lingkungan dan SosialIntegrating Environment and SocialSosial

Portofolio Produk & Kualitas PinjamanProduct Portfolio & Loan Quality

FS Portofolio Produk FS Product Portfolio



Pengaruh Ekonomi Tidak LangsungIndirect Economy Impacts

Dampak Ekonomi Tidak LangsungIndirect Economic Impacts

Pemegang Saham dan InvestorShareholders and Investors

Komunitas, PemerintahCommunity, Government

Mengelola Sumber Daya InsaniMengelola Sumber Daya Insani



Pekerja Employees Nasabah, PemerintahCustomer, Government

Pendidikan Syariah dan Inklusi KeuanganSharia Education and Financial Inclusion

Pendidikan dan PelatihanEducation and Training

Pekerja, Employees Nasabah, KomunitasCustomer, Community

Menerapkan Tata Kelola BerkelanjutanImplementing Sustainable Governance





Perlindungan Informasi NasabahCustomer Information Protection

Privasi PelangganCustomer Privacy



Batasan Dampak Aspek Material [G4-19, G4-20, G4-21]

Batasan dampak menjelaskan pengaruh setiap aspek material terhadap pemangku kepentingan baik di dalam maupun di luar Perusahaaan.

Boundaries of Impacts of Material Aspects[G4-19, G4-20, G4-21]

Boundaries of impacts explains influences of each material aspect to stakeholders both inside and outside of the Company.

Dampak Aspek MaterialImpacts of Material Aspects



23


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Economic Growth


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24

Pelibatan Pemangku Kepentingan Proses identifikasi pemangku kepentingan menggunakan metode pemetaan berdasarkan dampak yang dipengaruhi dan mempengaruhi kehadiran BRISyariah. Hasil pemetaan dimanfaatkan sebagai acuan penyusunan sustainability roadmap. BRISyariah juga telah menunjuk Corporate Secretary Group untuk melakukan pertemuan, maupun berkomunikasi dengan para pemangku kepentingan yang lain. [G4-25]

Stakeholder Engagement Identification process of stakeholders used mapping method based on the impacts influenced by and affected the presence of BRISyariah. The mapping results were used as a reference to the preparation of sustainability roadmap. BRISyariah also has appointed Corporate Secretary Group to hold meetings, and communicate with other stakeholders. [G4-25]

Identifikasi Kebutuhan dan Pendekatan Pemangku Kepentingan [G4-24, G4-26, G4-27]Identification of Needs and Approaches of Stakeholders

Pemangku Kepentingan Stakeholder

TopikTopic

Metode Pelibatan dan Frekuensi PendekatanEngagement Method and Approach Frequency

Fungsi Manajemen Tata Kelola Tertinggi

Highest Governance Management Function

Pemegang Saham dan InvestorShareholder and Investor

- Tata Kelola Organisasi- Organizational Governance

- Menyediakan informasi pencapaian BRISyariah dalam penyelenggaraan RUPS dan penerbitan laporan tahunan.

- Provided information on BRISyariah achievement in organizing GMS and publishing annual report.

- Corporate Secretary Group

- Pencapaian ekonomi- Economic achievement

- Menjalin komunikasi secara langsung maupun melalui analisis guna memastikan penyampaian informasi material.

--Established direct communication or through analysis to ensure material information delivery.al.

- Corporate Planning Group

NasabahCustomer

- Perlindungan nasabah - Konsumsi berkelanjutan- Customer protection - Sustainable consumption

- Menyediakan produk dan jasa yang sesuai dengan peraturan yang berlaku.

- Provided products and services in accordance with applicable regulations.

- Line of Business- Corporate Secretary Group

- Memberikan informasi mengenai produk dan jasa secara tepat waktu, memadai, jelas dan akurat

- Provided information regarding products and services timely, adequately, clearly, and accurately.

Operation & Service Group

- Mengembangkan kualitas layanan yang prima dengan selalu mengutamakan kepuasan nasabah.

- Developed prime service quality by continuously emphasizing customer satisfaction.

- Menggunakan periklanan dan promosi yang menjunjung tinggi kejujuran

- Made use of advertisement and promotion that highly upheld honesty.

PekerjaEmployee

- Hubungan ketenagakerjaan- Employment relation

- Memperlakukan setiap insan Bank dengan objektif, transparan, adil dan setara.

- Treated each individual of the Bank objectively, transparently, fairly, and equally.

- Human Capital Group

- Perlindungan dan kondisi kerja- Work protection and conditions

- Menyediakan lingkungan kerja yang kondusif untuk meningkatkan produktivitas.

- Provided a conducive work environment to increase productivity.

- Pengembangan kompetisi- Competition development

- Menyempurnakan pengembangan karir talent management system, dan assessment center.

- Refined career development of talent management system, and assessment center.



25


ance Highlights

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BUHAN PEREKENOM


Economic Growth


DAN MASYARAKAT


BERKELANJUTANM


Managing Hum


ent andCom

munity

Implem



Pemangku Kepentingan Stakeholder

TopikTopic

Metode Pelibatan dan Frekuensi PendekatanEngagement Method and Approach Frequency

Fungsi Manajemen Tata Kelola Tertinggi

Highest Governance Management Function

KomunitasCommunity

- Pendidikan dan budaya- Education and culture

- Teknologi dan akses infrastruktur- Technology and infrastructure

- Kesejahteraan dan pendapatan- Welfare and income

- Mendorong keterlibatan dalam kegiatan komunitas dengan program yang mencakup

bidang pendidikan, budaya dan agama, kemanusiaan serta lingkungan.

- Encouraged engagement in community activities with programs including education, culture and religion, humanity, as well as environment.

- Corporate Secretary Group- Human Capital Group

PemerintahGovernment

Kepatuhan Bank terhadap peraturan perundang-undangan yang berlaku dan komitmen terhadap regulator perbankanBank compliance with prevailing laws and regulations and commitment to banking regulators

Komunikasi dan pelaporan yang jelas, akurat, komprehensif, dan tepat waktuClear, accurate, comprehensive, and timely communication and reportingepat waktu

- Penyempurnaan Manual GCG terkini.- Improvement of the latest Manual GCG.

- Implementasi prinsip GCG diseluruh unit kerja.- Implementation of GCG principles in all work

units.

- Pertemuan 2 kali setiap tahun dengan badan tata kelola tertinggi dalam pembahasan pelaksanaan GCG terkait tingkat Kesehatan Bank

- Bi-annual meetings with the highest governance body in the discussion of GCG implementation related to Bank Health rate.

- Risk Management Group- Compliance Desk

Risk Management GroupIno SutrisnoKantor Pusat Head OfficeJl. Abdul Muis No.2-4Jakarta 10160, Indonesia

Kontak Pelaporan [G4-5, G4-31]

Reporting ContractPhone : +62 21 52962351Fax : +62 21 52962348Email : [email protected] : www.brisyariah.co.id

Facebook : BRI SyariahTwitter : @BRISyariahInstagram : @BRISyariahYoutube : BRISyariah



26

PROFIL PERUSAHAANCOMPANY PROFILE



27


ance Highlights

MENDORONG PERTUM

BUHAN PEREKENOM


Economic Growth


DAN MASYARAKAT


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PT Bank BRISyariah secara resmi menjalankan kegiatan perbankan berdasarkan prinsip Syariah pada tanggal 17 November 2008.

PT Bank BRISyariah officially performed its banking activities based on Sharia principles on 17 November 2008.

PASTI OKE: Profesional, Antusias, Penghargaan Terhadap SDM, TawakkalIntegritas, BerOrientasi Bisnis, KEpuasan Pelanggan.

Visi [G4-56]

Vision

Mission

Work Culture Values

Misi [G4-56]

Nilai-nilai Budaya Kerja [G4-56]

Menjadi bank ritel modern terkemuka dengan ragam layanan finansial sesuai kebutuhan nasabah dengan jangkauan termudah untuk kehidupan lebih bermakna.To become a renowned retail bank with various financial services pursuant to customer needs with the easiest reach for more meaningful life.

• To understand individual diversity and accommodate various customers’ Financial needs.

• To provide products and services that put forward ethics in accordance with sharia principles.

• To provide the most comfortable access through several facilities anytime and anywhere.

• To allow each individual to improve life’s quality and bring peace of mind.

• Memahami keragaman individu dan mengakomodasi beragam kebutuhan Finansial nasabah.

• Menyediakan produk dan layanan yang mengedepankan etika sesuai dengan prinsip-prinsip syariah.

• Menyediakan akses ternyaman melalui berbagai sarana kapan pun dan di mana pun.

• Memungkinkan setiap individu untuk meningkatkan kualitas hidup dan menghadirkan ketentraman pikiran.

PASTI OKE: Professional, Enthusiastic, Appreciation to Human Resources, Resignation, Integrity, Business-Oriented, Customer Satisfaction.



28

Informasi Umum PerusahaanCompany General Information

PT Bank BRISyariah Bank Umum Berdasarkan Prinsip SyariahCommercial Bank Based on Sharia Principles

Nama Perusahaan [G4-3]

Company Name

Badan Hukum [G4-7]

Legal Entity

Produk [G4-4]

Products

Jasa/Layanan [G4-4]

Services

Layanan Utama [G4-4]

Main Service

Produk Penghimpunan Dana (Funding)Funding productProduk Pembiayaan (Financing)Financing product

Berita Negara RI No.43 – 28 Mei 1971 - Tambahan No. 242State Gazette of the Republic of Indonesia No.43 – 28 May 1971 – Supplement No. 242

Berita Negara RI No. 85 -23 Oktober 2009 - Tambahan No. 26142State Gazette of the Republic of Indonesia No. 85 – 23 October 2009 – Supplement No. 26142

Berita Negara RI No. 96 - 1 Desember 2009 Tambahan No. 27908State Gazette of the Republic of Indonesia No. 96 – 1 December 2009 – Supplement No. 27908

Kartu ATM BRISyariah - Kartu ATM Co-brandingATM BRISyariah card – ATM Co-branding Card CMS (Cash Management System) BRIS

Jaringan ATM BRISyariah, ATM BRI, ATM Bersama, ATM PrimaATM BRISyariah, ATM BRI, ATM Bersama, ATM Prima network

Layanan University/School Payment System (SPP)University/School Payment System (SPPT) service

Electronic Data Capture (EDC) E-Payroll

SMS BRIS BRIS Remittance

Mobile BRIS Mini Banking Syariah SALAM BRIS

Debit BRIS Laku Pandai BRIS (BRISSMART)Branchless Bank BRIS (BRISSMART)

Internet Banking BRIS CallBRIS 1500-789

Virtual Account Online Sistem Pembendaharaan dan Anggaran Negara Bank Operasional 2 (SPAN BO2) BRISState Treasury and Budget System Operating Bank 2 (SPAN BO2) BRIS



29


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Pasar Terlayani 2016 [G4-8]

Markets Served

Wilayah Operasional [G4-6]

Operational Areas

Kantor Pusat [G4-5]

Head Office

Kepemilikan [G4-7]

Nature of Ownership

PT Bank Rakyat Indonesia (Persero) TbkPT Bank Rakyat Indonesia (Persero) Tbk

Yayasan Kesejahteraan Pekerja (YKP) BRIBRI’s Employee Welfare Foundation

Jumlah Nasabah PendanaanTotal funding customer

Jumlah Nasabah PembiayaanTotal financing customer

Penerima manfaatBeneficiaries

Masyarakat UmumPublic


KorporatCorporate

Segmen usahaBusiness segment

Segmen geografisGeographycal segment

KomersilCommercial

JakartaJakarta

SMESME

KemitraanPartnership

Jawa Barat & BantenWest Java & Banten

Jawa tengah & DIYCentral Java & DIY

MikroMicro

Jawa TimurEast Java

KonsumerConsumer

SumateraSumatera

Indonesia Tengah & TimurCentral & East Indonesia

1.477.003 114.239

99,99% 0,01%

672

8.351

3.469

32.051

6.048

12.869

46.556

18.580

57.594

18.778 23.710

Kantor Pusat Head OfficeJl. Abdul Muis No.2-4Jakarta Pusat 10160T. +62 21 52962351F. +62 21 52962348

Indonesia

NasabahCustomers

NasabahCustomers

NasabahCustomers

NasabahCustomers

NasabahCustomers

NasabahCustomers

NasabahCustomers

NasabahCustomers

NasabahCustomers

NasabahCustomers

NasabahCustomers



30

Wilayah Operasional BRISyariah [G4-6]

BRISyariah Operational Areas

9

12 3

4

5

8

1 3

2 4

JABODETABEKACILKantor Cabang : 11Branch Office Kantor Cabang Pembantu : 46Sub Branch OfficeKantor Kas : 5Cash Office

JAWA TENGAH CENTRAL JAVAKantor Cabang : 5Branch Office Kantor Cabang Pembantu : 28Sub Branch OfficeKantor Kas : -Cash Office

JAWA BARAT WEST JAVAKantor Cabang : 6Branch Office Kantor Cabang Pembantu : 30Sub Branch OfficeKantor Kas : 2Cash Office

JAWA TIMUR EAST JAVAKantor Cabang : 9Branch Office Kantor Cabang Pembantu : 39Sub Branch OfficeKantor Kas : 3Cash Office



31


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6

7

5 7

9

6 8

BALIKantor Cabang : 1Branch Office Kantor Cabang Pembantu : 46Sub Branch OfficeKantor Kas : 5Cash Office

SULAWESIKantor Cabang : 4Branch Office Kantor Cabang Pembantu : 8Sub Branch OfficeKantor Kas : -Cash Office

SUMATERAKantor Cabang : 12Branch OfficeKantor Cabang Pembantu : 33Sub Branch OfficeKantor Kas : 1Cash Office

NUSA TENGGARAKantor Cabang : 1Branch Office Kantor Cabang Pembantu : 4Sub Branch OfficeKantor Kas : -Cash Office

KALIMANTANKantor Cabang : 5Branch Office Kantor Cabang Pembantu : 18Sub Branch OfficeKantor Kas : -Cash Office



32

Skala Perusahaan [G4-9]

Komposisi Karyawan Berdasarkan Status Pekerjaan [G4-10]Composition of Employee Based on Employment Status

Scale of the Organizations

Keterangan Description 2016 2015 2014

Jumlah Karyawan (Orang) Total Employee (Person) 5.147 5.550 5.380

Pendapatan Bersih (triliun Rupiah) Net Income (trillion Rupiah) 2.634.201 2.424.752 2.056.602

Total Aset (juta Rupiah) Total assets (million Rupiah) 27.687.188 24.230.247 20.341.033

Total Dana Pihak Ketiga (triliun Rupiah) Total Third Party Fund (million Rupiah) 22.045.058 20.148.155 16.964.251

Total Kapitalisasi Total Capitalization

- Ekuitas Equity 2.510.015 2.339.812 1.714.490

- Utang (juta Rupiah) Debt (million Rupiah) 8.464.428 6.421.537 5.599.727

Jumlah Unit Kerja yang Beroperasi Number of Operating Working Units 1.315 946 943

Jumlah Produk Pendanaan Number of Funding Product 7 5 5

Jumlah Produk Pembiayaan Number of Financing Product 15 13 11

Jumlah Jasa/Layanan Number of Services 16 14 13

StatusStatus

2016 2015 2014

Laki-lakiMale

PerempuanFemale

Laki-lakiMale

PerempuanFemale

Laki-lakiMale

PerempuanFemale

Karyawan Tetap Full-time Employee 2.172 954 2.117 821 2.145 688

Karyawan Kontrak Part-time/Contract Employee

1.330 691 1.757 855 1.610 937

Subtotal Subtotal 3.502 1.645 3.874 1.676 3.755 1.625

Jumlah Total 5.147 5.550 5.380

Komposisi Karyawan Berdasarkan Wilayah Kerja [G4-10]Composition of Employee Based on Work Area

JakartaJakarta


Jawa Tengah & DIYCentral Java & Special Region of Yogyakarta

Jawa TimurEast Java

SumateraSumatera


Laki-lakiPerempuan

850

503

719

575

375 3.502

480

398

242

320

258

171 1.645

5.147

256

Subtotal

Jumlah | Total

2016

MaleLaki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

FemalePerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale



33


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JakartaJakarta

JakartaJakarta



Jawa tengah & DIYCentral Java & Special Region of Yogyakarta

Jawa tengah & DIYCentral Java & Special Region of Yogyakarta

Jawa TimurEast Java

Jawa TimurEast Java

SumateraSumatera

SumateraSumatera



Laki-laki

Laki-laki

Perempuan

Perempuan

749

709

585

572

815

804

690

702

463

445

3.874

3.755

572

523

403

380

234

234

335

337

260

243

180

174

1.676

1.625

5.550

5.380

264

257

Subtotal

Subtotal

Jumlah | Total

Jumlah | Total

2014

2015

Male

MaleLaki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Laki-lakiMale

Female

FemalePerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale

PerempuanFemale



34

Peraturan Perusahaan (PP) [G4-11]

Wujud kerja sama Perusahaan dan karyawan dituangkan dalam Peraturan Perusahaan (PP) yang ditandatangani setiap karyawan. Peraturan Perusahaan ini disesuaikan setiap dua tahun.

Rantai Pasokan [G4-12]

BRISyariah memenuhi kebutuhan produk dan jasa untuk kegiatan operasional melalui pemasok yang diseleksi ketat berdasarkan prasyarat Perusahaan. Proses seleksi pemasok dilakukan dengan metode pemilihan langsung dan penunjukan langsung. Pada tahun 2016, BRISyariah bekerjasama dengan perusahaan atau institusi lain sebanyak 134 sebagai pemasok barang dan 139 pemasok jasa.

Company Regulation (PP) [G4-11]

The embodiment of Company and employees’ cooperation is stated in Company Regulation (PP) signed by each employee. This Company Regulation is to be made compatible with every two years.

Supply Chain [G4-12]

BRISyariah meets product and services needs for operational activities through a tight selection process of suppliers based on Company’s prerequisites. The supplier selection process is conducted based on direct selection method and direct appointment. In 2016, BRISyariah worked collectively with other companies or institutions comprising of 134 goods suppliers and 139 services suppliers.

Jumlah Pengadaan Barang dari Pemasok

Jumlah Pengadaan Jasa dari Pemasok [G4-10]

Number of Goods Procurement from Suppliers

Number of Services Procurement from Suppliers

Wilayah Kerja Work Area

Pengadaan Barang Goods Procurement

Jumlah Pemasok Number of Suppliers Nilai Kontrak Pekerjaan (Rp dalam juta ) Working Contract Values (million Rupiah)

2016 2015 2014 2016 2015 2014

Jakarta 118 189 173 32.480 9.277 11.633

Jawa Barat 15 15 6 2.448 1.320 114

Jawa Tengah & DIY 1 4 3 4.104 6.051 338

Jawa Timur 0 0 1 0 0 19

Sumatera 0 0 0 0 0 0

Indonesia Tengah&Timur 0 0 0 0 0 0

JUMLAH | TOTAL 134 208 183 39.032 16.649 12.105


Pengadaan Jasa Services Procurement

Jumlah Pemasok Number of Suppliers Nilai Kontrak Pekerjaan (Rp dalam juta ) Working Contract Values (million Rupiah)

2016 2015 2014 2016 2015 2014

Jakarta 108 108 110 13.403 6.079 61.024

Jawa Barat 22 31 13 3.638 5.196 3.455

Jawa Tengah & DIY 4 5 2 779 1.759 141

Jawa Timur 5 7 4 739 2.081 1.330

Sumatera 0 0 0 0 0 0

Indonesia Tengah&Timur 0 0 0 0 0 0

JUMLAH | TOTAL 139 151 129 18.558 15.116 65.952



35


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Keanggotaan Asosiasi [G4-16]

Memberships of Association

Perubahan Signifikan [G4-13]

Selama tahun 2016, tidak terdapat perubahan signifikan terkait ukuran, struktur, kepemilikan, maupun rantai pasokan organisasi.

Inisiatif Eksternal BRISyariah merupakan salah satu dari delapan bank yang menandatangani Pilot Project Indonesia First Movers on Sustainable Banking pada 23 November 2015. Penandatantanganan ini merupakan wujud komitmen BRISyariah untuk mendukung pencapaian tujuan pembangunan berkelanjutan bersama Otoritas Jasa Keuangan dan WWF Indonesia. [G4-15]

Significant Changes [G4-13]

Throughout 2016, there were no significant changes related to size, structure, ownership, and the organization’s supply chain.

External Iniative BRISyariah is one of eight banks that signed Pilot Project Indonesia First Movers on Sustainable Banking on 23 November 2015. This signing serves as BRISyariah’s commitment to support the achievement of sustainable development goals together with Financial Services Authority and WWF Indonesia. [G4-15]

Nama AsosiasiAssociation Name

JabatanPosition

Partisipasi Working Group atau Komite Working Group or Committee Participation

Kontribusi Berupa Iuran Contribution in the Form of Fee

Asosiasi Bank Syariah Indonesia (ASBISINDO)Indonesian Sharia Banks Association

BendaharaTreasurer

N/A Rp96.511.628 per 4 bulan Rp96,511,628 per 4 months

Masyarakat Ekonomi Syariah (MES)Sharia Economic Society

Anggota Member

Komite Khusus Kemandirian, Pendanaan & WakafSpecial Committee on Independence, Fund-ing & Benefaction

N/A

Perhimpunan Bank Nasional (PERBANAS)National Banking Association

Anggota Member

N/A Rp20.000.000 per 4 bulanRp20,000,000 per 4 months

Dewan Syariah Nasional Majelis Ulama Indonesia (DSN MUI)National Sharia Board of Indonesian Ulema Council

Anggota Member

- Ijtima’ Sanawi (Annual Meeting) Dewan Pengawas Syariah- Konvensi Nasional Bidang SKKNIAnnual Meeting of Sharia Supervisory Board

Rp9.000.000 per bulanRp9,000,000 per month

Banker Association for Risk Management (BARa)Banker Association for Risk Management (BARa)

Wakil Direktur Bidang Risiko SyariahVice Director of Sharia Risk Division

Monthly Sharing Session - Financial Conglomeration Horizontal Structure Imple-mentation and Challenges

N/A

Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP)Communication Forum of Banking Compliance Directors

Anggota Member

Training dan sertifikasi kepatuhan level I dan level II

N/A

Islamic Banking Marketing Communication Working Group

PengurusManagement

Media N/A

Badan Musyawarah Perbankan Daerah (BMPD)Musyawarah Regional Banking Agency

Anggota Member

N/A Rp3.500.000 per bulanRp3,500,000 per month

36 Laporan Keberlanjutan 2016 Sustainability Report


MENDORONG PERTUMBUHAN PEREKONOMIANNASIONALENCOURAGING NATIONAL ECONOMIC GROWTH

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37



Kinerja keuangan merupakan aspek material bagi BRISyariah yang disajikan dalam laporan ini karena memberikan informasi penting pencapaian kinerja yang diraih selama tahun 2016.

Kinerja ekonomi terus ditingkatkan untuk menjaga pertumbuhan dan perkembangan, serta sebagai landasan bagi berjalannya kegiatan Perusahaan. Melalui upaya efisiensi dan perbaikan kegiatan operasional, BRISyariah terus berupaya untuk menumbuhkan kinerja positif yang ditandai adanya peningkatan laba sebelum pajak 41,13% pada tahun 2016 dibandingkan tahun sebelumnya. Kinerja ini meningkat dari pencapaian tahun lalu dan upaya-upaya terus dilakukan untuk meningkatkan laba hingga mencapai sekitar Rp400,39 miliar di tahun 2017. Evaluasi terhadap kinerja keuangan dilakukan melalui laporan keuangan sesuai dengan peraturan Bank Indonesia, OJK dan Standar Akuntansi Keuangan. Kinerja keuangan dipantau langsung oleh Direktur Operasional. [G4-DMA]

Financial performance represents material aspect for BRISyariah presented in this report as it provides significant information on performance achievement throughout 2016.

Economic performance continues to be improved to maintain growth and developments, as wellc as the foundation for the operation of the Company’s activities. Through efficiency and operational activities improvement, BRISyariah continued to cultivate positive performance which was marked with the increase of profit before tax of 41.13% in 2016 compared to the previous year. This performance improved from last year’s achievement and would be improving until it reached Rp400.39 billion in 2017. Evaluation to financial performance was conducted through financial report pursuant to Bank Indonesia’s regulation, OJK, and Financial Accounting Standards. The financial performance was monitored directly by Operations Director. [G4-DMA]

Kinerja Ekonomi BRISyariah membukukan pendapatan sebesar Rp2,63 triliun pada tahun 2016, naik 8,64 % dibandingkan tahun sebelumnya. Adapun laba sebelum pajak sebesar Rp238,61 miliar, tumbuh 41,13% dibandingkan tahun 2015. Pencapaian kinerja ekonomi tahun ini banyak dipengaruhi oleh kualitas pembiayaan, meningkatnya outstanding pembiayaan, dan komposisi pembiayaan yang stabil, serta turunnya biaya dana.

Tahun 2016, kontribusi BRISyariah kepada negara berupa pembayaran pajak sebesar Rp102,76 miliar, naik 199,14% dibandingkan tahun sebelumnya. Selama ini BRISyariah tidak menerima bantuan finansial langsung dari negara dalam merealisasikan seluruh kegiatan operasional. [G4-EC1]

Economic PerformanceBRISyariah recorded a revenue at Rp2.63 trillion in 2016, increasing by 8.64% compared to the previous year. As for profit before tax was amounting to Rp238.61 billion, growing by 41.13% compared to 2015. This year’s economic performance achievement was influenced by financing quality, the increasing outstanding financing, and stable financing composition, as well as the declining fund cost.

In 2016, BRISyariah’s contribution to the country came in the form of tax payment of Rp102.76 billion, increasing by 199.14% compared to the previous year. To date, BRISyariah did not receive direct financial assistance from the state in realizing all of its operational activities. [G4-EC1]

MENUMBUHKAN KINERJA POSITIFCultivating Positive Performance

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Distribusi Nilai Ekonomi (dalam juta Rupiah) [G4-EC1]

Economic Value Distribution (in million Rupiah)

Uraian DescriptionPeriode Pelaporan Reporting Period

2016 2015 2014

Nilai Ekonomi Langsung yang Dihasilkan Generated Direct Economic Value

I Hasil pendapatanRevenue

2.634.201 2.424.753 2.056.602

II Tambahan Additional

III Hasil pendapatan usaha lainnya Other operating income 127.967 130.460 83.454

IV Hasil Pendapatan non-usaha - neto Non-operating income - net (623) 10,090 5.498

V Jumlah Nilai Ekonomi Langsung yang Diterima Total Received Direct Economic Value

2.761.545 2.565.303 2.145.554

Nilai Ekonomi Langsung yang Didistribusikan Distributed Direct Economic Value

I Biaya operasional Operational costs

949.209 859.693 622.746

II Biaya beban karyawan Employee expense cost 538.227 509.098 452.038

III Pembayaran bagi hasil dana syirkah temporer Payment of profit sharing of temporary syirkah

1.035.502 1.027.442 994.824

IV Pembayaran zakat Payment of zakat 6.998 4.242 7.080

V Pengeluaran kepada Pemerintah (pajak) Expenses to Government (tax) 87.417 68.092 3.565

VI Penyaluran dana kebajikan (CSR) Good deeds fund disbursement (CSR) 783 1.374 2.714

VII Jumlah Nilai Ekonomi Langsung Didistribusikan Total Distributed Direct Economic Value

2.618.136 2.469.941 2.082.967

Nilai Ekonomi Langsung yang Ditahan Witheld Direct Economic Value 143.409 95.362 62.587

Pembiayaan Dunia Usaha BRISyariah sebagai lembaga intermediasi memiliki peran menggerakkan roda perekonomian nasional melalui pembiayaan kepada dunia usaha. Per Desember 2016 total pembiayaan sebesar Rp1,80 triliun, naik 10,18% dibandingkan tahun sebelumnya.

Dari segi kualitas pembiayaan, rasio NPF gross pada Desember 2016 tercatat sebesar 4,57% mengalami penurunan dibandingkan Desember 2015 sebesar 4,86%. Penanganan pembiayaan bermasalah dilakukan dengan menerapkan prinsip 3R, yaitu restructuring, rescheduling, dan reconditioning.

Business FinancingBRISyariah as an intermediary institution plays the role of moving the wheel of national economic through financing to businesses. Per December 2016, total financing amounting to Rp1.80 trillion, increasing by 10.18% compared to the previous year. Of financing quality, gross NPF ratio in December 2016 was recorded at 4.57% experiencing a decline compared to in December 2015, which reached 4.86%. The handling of non-performing financing was conducted by implementing 3R principles, which are restructurization, rescheduling, and reconditioning.



Portofolio Pembiayaan Berdasarkan Segmentasi (dalam juta Rupiah) [G4-FS6]

Portofolio Pembiayaan Berdasarkan Wilayah Kerja (dalam juta Rupiah) [G4-FS6]

Portfolio of Financing Based on Segmentation (in million Rupiah)

Portfolio of Financing Based on Work Area (in million Rupiah)

SegmenSegment

2016 2015 2014

Jumlah Total

Persentase (%)Percentage

Jumlah Total


Jumlah Total


UKM SME 2.297.946 12,74 2.221.517 13,33 2.069.084 13,25

Kemitraan Partnership 2.201.561 12,21 2.301.447 13,81 1.965.911 12,59

Komersial Commercial 5.490.772 30,44 5.050.356 30,31 4.744.408 30,38

Konsumer Consumer 4.124.943 22,87 3.565.277 21,40 3.624.460 23,21

Mikro Micro 3.919.903 21,73 3.521.670 21,14 3.214.491 20,58

Jumlah Total 18.035.124 100,00 16.660.267 100,00 15.618.354 100,00


2016 2015 2014

Jumlah Total


Jumlah Total


Jumlah Total


Jakarta 4.027.891 22,33 3.824.979 22,96 4.264.949 27,31

Jawa Barat 4.740.358 26,28 2.608.945 15,66 3.330.342 21,32

Jawa Tengah&DIY 1.997.121 11,07 4.350.251 26,11 1.774.510 11,36

Jawa Timur 1.888.411 10,47 1.801.090 10,81 1.574.222 10,08

Sumatera 2.524.590 14,00 1.702.299 10,22 2.441.613 15,63

Indonesia Tengah & Timur

2.856.753 15,84 2.372.703 14,24 2.232.718 14,30

Jumlah 18.035.124 100,00 16.660.267 100,00 15.618.354 100,00

Tingkat NPFNPF Level

Non Performing Financing-Gross

Non Performing Financing-Netto

2016

2016

2015

2015

4,57%

3,19%

4,86%

3,89%

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Portofolio Pembiayaan Berdasarkan Sektor Ekonomi (dalam juta Rupiah) [G4-FS6]

Portfolio of Financing Based on Economy Sector (in million Rupiah)

Sektor EkonomiEconomy Sector

2016 2015 2014

Jumlah Total


Jumlah Total


Jumlah Total


Pihak Ketiga Third Parties

Jasa UsahaBusiness Service

2.058.434 11,75 1.442.476 28,61 527.053 12,90

Industri Industry 2.450.188 13,98 1.006.706 19,97 240.387 5,88

Perdagangan, perhotelan, dan komunikasiTrade, hospitality, and communication

4.841.908 27,63 952.027 18,88 333.997 8,18

Sosial/masyarakatSocial/community

834.977 4,76 517.765 10,27 2.658.691 65,09

Kontruksi Construction 852.197 4,86 454.368 9,01 189.817 4,65

Pertanian Agriculture 851.302 4,86 283.407 5,62 57.719 1,41

Pengangkutan, pergudangan dan komunikasiTransportation, warehouse, and communication

927.103 5,29 273.171 5,42 71.259 1,74

Pertambangan Mining 84.965 0,48 76.763 1,52 4.766 0,12

Listrik. gas dan airElectricity, gas, and water

112.057 0,64 29.807 0,59 1.100 0,03

Lainnya Others 4.511.859 25,75 5.102 0,10 0 0,00

Jumlah Total 17.524.989

100,00 5.041.592 100,00 4.084.789 100,00

Pihak Berelasi Related Parties

Pengangkutan, pergudangan dan komunikasiTransportation, warehouse, and communication

31.879

6,25 39.999 96,68 0 0

Kontruksi Construction 0 0 914 2,21 0 0

Sosial/masyarakatSocial/community

0 0 458 1,11 0 0

Jasa UsahaBusiness service

158.238

31,02 0 0 5.131 100

Jumlah Total 0 0 41.371 100,00 5.131 100,00

Jumlah KeseluruhanGrand Total

0 0 5.082.963 100,00 4.089.920 100,00

Cadangan kerugian penurunan nilaiAllowance for impairment losses

492.156 (120.617) (84.612)

Neto Net 17.542.968 100,00 4.962.346 100,00 4.005.308 100,00



Pembiayaan Segmen MikroPembiayaan mikro merupakan salah satu pilar pertumbuhan bisnis BRISyariah yang berkontribusi 21,73% dari total pembiayaan yang disalurkan. Sasaran utama pembiayaan mikro adalah 75% pedagang sembako dan 25% pedagang pakaian di pasar tradisional. BRISyariah memiliki tiga skema pembiayaan segmen mikro, yakni Mikro 25, Mikro 75 dan Mikro 500. Sesuai dengan namanya, Mikro 25 adalah produk pembiayaan yang memiliki plafon sampai dengan Rp25 juta, begitu pun seterusnya.

Hingga 31 Desember 2016, BRISyariah menyalurkan pembiayaan kepada 347 outlet Unit Mikro Syariah, naik dari tahun sebelumnya 291 outlet Unit Mikro. Jumlah pembiayaan mencapai Rp3,93 triliun, atau tercapai 91,80% dari target yang telah ditetapkan pada tahun 2016 sebesar Rp4,28 triliun. Dari sisi tingkat kesehatan aset, tingkat NPF segmen mikro berhasil dijaga di kisaran angka 4,91%, dengan Repayment Rate (tingkat kelancaran pembayaran angsuran) masih diangka 90,3%. [G4-FS7, G4-FS14]

Micro Segment FinancingMicro financing is one of business development pillars of BRISyariah that contributed 21.73% of the total distributed financing. The main target of micro financing is 75% of nine-staple sellers and 25% of drapers at traditional market. BRISyariah has three micro segment financing, which are Micro 25, Micro 75, and Micro 500. Corresponding to the name, Micro 25 is a financing product that has a ceiling reaching Rp25 million, and so with the others.

Up to 31 December 2016, BRISyariah disbursed financing to 347 Sharia Micro Unit outlets, increasing from the previous year amounting to 291 Micro Unit outlets. Total financing reached Rp3.93 trillion, or 91.80% of the established target in 2016 amounting to Rp4.28 trillion. As for health assets level, NPF level of micro segment managed to be maintained at the range of 4.91%, with Repayment Rate at 90.3%. [G4-FS7, G4-FS14]

Kualitas Pembiayaan (dalam juta Rupiah)Financing Quality (in million Rupiah)

Kualitas Pembiayaan

Quality Financing

2016 2015 2014

Jumlah Total


Jumlah Total


Jumlah Total


Lancar Current 15.345.855 85,09 14.040.488 84,28 14.402.645 92,22

Dalam Perhatian KhususSpecial Mention

1.870.746 10,37 1.816.354 10,90 515.436 3,30

Kurang LancarSubstandard

160.260 0,89 196.514 1,18 105.495 0,68

Diragukan Doubtful 178.264 0,99 97.603 0,59 150.323 0,96

Macet Loss 479.998 2,66 509.308 3,06 444.454 2,85

NPL Gross NPL Gross

818.496 4,60 803.398 4,86 700.273 4,48

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Komposisi Pembiayaan Berdasarkan Segmen Mikro [G4-FS7]

Komposisi Pembiayaan Berdasarkan Sektor Mikro [G4-FS7]

Composition of Financing Based on Micro Segment

Composition of Financing Based on Micro Sector

Tipe ProdukProduct Type

2016 2015 2014

Nilai Nominal(Rp Juta)

Nominal Value (Million Rp)








Mikro 25iB 31.739 0,8 25.009 0,7 36.161 1,1

Mikro 75iB 450.783 11,5 376.904 10,7 371.039 11,6

Mikro 500iB 3.451.615 87,7 3.128.041 88,6 2.802.961 87,3

Jumlah 3.934.137 100,0 3.529.954 100,0 3.210.162 100,0

Sektor UsahaBusiness Sector

2016 2015 2014




Nilai Nominal(Rp Juta)Nominal

Value (Million Rp)


Nilai Nominal(Rp Juta)Nominal

Value (Million Rp)

Persentase (%)

Percentage

Distribusi Distribution 63.971 1,6 45.790 1,3 22.938 0,7

Ekspor Barang Export of Goods 3.269 0,1 2.220 0,1 887 0,0

Ekspor Jasa Export of Services 735 0,0 714 0,0 721 0,0

Impor Barang Import of Goods 539 0,0 601 0,0 310 0,0

Industri Industry 138.339 3,5 83.652 2,4 34.770 1,1

Jasa-Jasa Dunia Usaha Business Service 268.228 6,8 193.609 5,5 145.351 4,5

Jasa-Jasa Sosial Social Services 72.339 1,8 37.968 1,1 14.807 0,5

Komunikasi Communication 1.780 0,0 244 0,0 306 0,0

Konstruksi Construction 12.023 0,3 7.401 0,2 2.508 0,1

Pembelian & Pengumpulan Brg. DaganganPurchasing & Collection of Goods

345.302 8,8 183.769 5,2 30.453 0,9

Pembuatan Komponen Component Manufacture 4.823 0,1 3.253 0,1 1.248 0,0

Pengangkutan Umum Public Transportation 21.914 0,6 8.590 0,2 2.808 0,1

Penggilingan Padi Rice Milling 6.456 0,2 4.766 0,1 2.635 0,1

Pengolahan Hasil Tambang Non LogamNon-mining Production Processing

3.443 0,1 1.651 0,0 1.188 0,0

Penjualan Barang Purchasing of Goods 141.476 3,6 99.207 2,8 70.648 2,2

Perakitan Komponen Component Assembling 5.323 0,1 3.008 0,1 517 0,0

Perdagangan Eceran Retail Trade 1.603.757 40,8 911.512 25,8 176.079 5,5

Pergudangan Warehouse 292 0,0 340 0,0 42 0,0

Perikanan Fishery 13.726 0,3 6.334 0,2 1.389 0,0

Perkebunan Plantation 28.521 0,7 23.454 0,7 13.411 0,4

Pertambangan Mining 882 0,0 1.223 0,0 913 0,0

Peternakan Animal Husbandry 31.668 0,8 18.344 0,5 10.831 0,3

Rumah Makan Restaurant 102.941 2,6 58.832 1,7 7.876 0,2

Sarana Facilities 28.605 0,7 40.021 1,1 47.778 1,5

Tanaman Pangan Food Crops 9.276 0,2 6.047 0,2 3.494 0,1

Undefined Undefined 1.024.510 26,0 1.787.405 50,6 2.616.257 81,5

Total 3.934.138 100,0 3.529.954 100,0 3.210.162 100,0



BRISyariah menempatkan teknologi informasi (TI) sebagai informasi penting yang disajikan dalam laporan ini karena teknologi berdampak langsung pada peningkatan efektivitas dan efisiensi operasional bisnis, serta pengelolaan informasi kegiatan usaha perbankan. BRISyariah mengembangkan kebijakan manajemen risiko, termasuk di dalamnya prosedur untuk teknologi informasi, jaringan komunikasi data dan standarisasi perangkat lunak, manajemen sistem akses, pengembangan layanan perbankan elektronik, serta keamanan aksesibilitas hingga disaster recovery plan.

Dengan diterapkannya teknologi pada aspek perbankan, Perusahaan menargetkan pelaksanaan sistem pembendaharaan dan anggaran negara-bank operasional II (SPAN-BOII) sehingga dapat meningkatan dana murah bagi BRISyariah. Telah ditunjuknya BRISyariah sebagai Bank Operasional II, maka ditargetkan pada tahun 2017 BRISyariah dapat melayani seluruh pembayaran gaji PNS/TNI/Polri di beberapa Kementerian dan Satuan Kerja di bawah Kementerian, diantaranya Kementerian Agama, Kementerian Pendidikan dan lainnya. Dengan ditunjuknya BRISyariah menjadi BO II, diharapkan dapat meningkatan pendanaan bagi BRISyariah.

Berbagai kemudahan transaksi nasabah ditawarkan BRISyariah melalui layanan on-line banking/electronic banking yang mampu menjangkau masyarakat luas tanpa terkendala batas waktu dan wilayah. Layanan berbasis teknologi ini sejalan dengan program inklusi keuangan yang dicanangkan Pemerintah. Pengembangan TI dipantau oleh Information Technology Group dan diawasi langsung oleh Direktur Utama. [G4-DMA]

MELAYANI NASABAH BERBASIS TEKNOLOGIServing Technology Based Customer

BRISyariah places information technology (TI) as significant information presented in this report for technology directly affects the improvement of effectivity and efficiency of business operations, as well as information management of banking activities. BRISyariah develops risk management policy, including its procedures for information technology, data communication network and software standardization, access system management, electronic banking service development, as well as security accessibility up to disaster recovery plan.

With technology implemented in banking aspect, Company targeted state treasury and budget system-operating bank II (SPAN-BOII) to increase low-cost fund for BRISyariah. After appointing BRISyariah as Operating Bank II, thus it has been targeted in 2017 BRISyariah will be able to serve all payrolls of Civil Servants/Indonesian National Armed Forces/Indonesian National Police in several Ministries and Working Units under the Ministries, among which are Ministry of Religious Affairs, MInistry of Education, and others. With BRISyariah appointed as BOII, it is expected to increase financing for BRISyariah.

Several customer transaction conveniences are offered by BRISyariah through online banking/electronic banking which able to reach wider public without limits of time and place. This technology based service is in line with financial inclusion propgram announced by Government. IT development is monitored by Information Technology Group and directly supervised by President Director. [G4-DMA]

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Menembus Batas melalui BRISSMART BRISyariah merupakan bank syariah pertama di Indonesia yang menerbitkan produk layanan keuangan tanpa kantor bernama BRISSMART (Sarana Menghadirkan Bank Syariah Terdekat) pada 12 Desember 2015, dan mulai berjalan pada Mei 2016. BRISSMART memberikan akses layanan keuangan bagi masyarakat luas yang belum mengenal atau menggunakan layanan perbankan.

BRISyariah bermitra dengan PT Sumber Alfa Trijaya (Alfamart) dalam rangka mengembangkan layanan BRISSMART. Dengan 12 ribu outlet Alfamart yang tersebar di seluruh Indonesia, layanan BRISSMART lebih mudah diakses masyarakat secara luas. Pengembangan produk BRISSMART ini sejalan dengan program Laku Pandai (layanan keuangan tanpa kantor dalam rangka keuangan inklusif) yang digagas Otoritas Jasa Keuangan (OJK). Sampai dengan 31 Desember 2016, transaksi perbankan melalui layanan BRISSMART mencapai Rp240.729.223 atau sesuai target yang telah ditetapkan Perusahaan. [G4-F13]

Menjangkau Nasabah dengan ‘Grebek Pasar’ BRISyariah mengembangkan layanan pembukaan rekening secara online dan pemasaran produk-produk pendanaan lainnya melalui program ‘Open Table’ dan ‘Grebek Pasar’. Kegiatan Grebek Pasar ini dilakukan di point-point of interest dengan tetap mengedepankan prinsip kehati-hatian.

Area yang menjadi sasaran, diantaranya adalah pusat keramaian, pusat bisnis serta masjid, dan sekolah-sekolah, juga area publik yang digunakan untuk acara-acara sosial yang menarik massa yang cukup besar. Kegiatan Grebek Pasar di tahun 2016 dilakukan empat di Kantor Cabang Besar, yaitu Bandung, Medan, Makassar dan Surabaya. Kegiatan ini menghasilkan 211 rekening pendanaan baru. [G4-F13]

A Breakthrough through BRISSMARTBRISyariah is the first sharia bank in Indonesia that published financial service product without office called BRISSMART (facilities providing the nearest sharia bank) on 12 December 2015, and started to operate in May 2016. BRISSMART provides access to financial service for wider public who has yet known or used banking service.

BRISyariah is partnered with PT Sumber Alfa Trijaya (Alfamart) as part of the effort to develop BRISSMART service. With 12 thousands Alfamart outlets spread across Indonesia, BRISSMART service is easy to access by wider public. This BRISSMART product development aligns with Branchless Bank program (financial service without office in the context of financial inclusive) which was initiated by Financial Services Authority (OJK). Up to 31 December 2016, banking transactions through BRISSMART service gained Rp240,729,223 or in accordance with the established target of Company. [G4-F13]

Reaching Out to Customer with ‘Grebek Pasar’BRISyariah developed online account opening service and other funding products marketing through ‘Open Table’ and ‘Grebek Pasar’. This Grebek Pasar is conducted at point-point of interest by continuously putting forward prudent principles.

The targeted area, among which were crowd center, business center as well as mosque, school, and public area used for social occasions that could attract greater mass. Grebek Pasar in 2016 was conducted by four Major Branch Office, which were Bandung, Medan, Makassar, and Surabaya. This activity generated 211 new funding accounts. [G4-F13]

Perolehan Rekening Nasabah Pendanaan Kegiatan Grebek Pasar Tahun 2016

Gaining of Funding Customer Account of Grebek Pasar in 2016

Kantor CabangMedan

Kantor CabangBandung

Kantor CabangMakassar

Kantor CabangSurabaya

34 70 14 103

Medan Branch Office

Bandung Branch Office

Makassar Branch Office

Surabaya Branch Office



Pelayanan Berbasis TeknologiBRISyariah melakukan berbagai inovasi, enhancement serta optimalisasi pada seluruh layanan berbasis TI yang dimilikinya dengan tetap memperhatikan penerapan manajemen risiko, tata kelola TI serta pengamanan yang memadai. Pelayanan transaksi berbasis teknologi diimplementasikan BRISyariah untuk memudahkan transaksi nasabah, diantaranya pada pembayaran SPP universitas/sekolah, pembayaran gaji (payroll), pembayaran PBB, rekening koran online, serta implementasi layanan Devisa.

Saat ini nasabah BRISyariah juga dapat melakukan pendaftaran/pembayaran/pelunasan haji di Kantor Layanan Syariah (KLS) BRI. Fitur ini memudahkan nasabah BRISyariah yang lokasinya berjauhan dengan kantor cabang BRISyariah. Hingga akhir 2016, terdapat 756 lokasi KLS yang tersebar di kantor-kantor cabang Bank BRI, naik 12% dari tahun sebelumnya sebanyak 675 KLS. [G4-FS13]

Disaster Recovery Center BRISyariah terus melakukan pengembangan sistem teknologi informasi melalui enhancement Core Banking System ‘SYIAR’ yang dimilikinya. SYIAR memiliki arsitektur yang open platform dan open system sehingga lebih fleksibel untuk dikembangkan. SYIAR berada di data center maupun Disaster Recovery Center (DRC).

BRISyariah telah meningkatkan kapasitas DRC, baik pada link dan perangkat network, server, database, storage serta perangkat pendukung lainnya. Pengujian DRC dilakukan dengan mengoperasikan Core Banking SYIAR production dari lokasi DRC tanpa kendala dan penurunan kualitas layanan. Peningkatan kapasitas DRC ini merupakan salah satu bukti komitmen BRISyariah untuk memberikan jaminan keamanan dan ketersediaan layanan kepada nasabahnya apabila data center mengalami kegagalan sistem.

Technology Based ServiceBRISyariah conducts diverse innovation, enhancement as well as optimilization to all owned IT based services by continuously heeding risk management implementation, IT governance as well as appropriate security. Technology based transaction service is implemented by BRISyariah to facilitate customer transaction, among which were university/school payment system, payroll, land and building tax payment, online checking account, and foreign exchange services implementation.

Currently, BRISyariah customer is also able to perform hajj registration/payment/settlement at BRI’s Sharia Service Office (KLS). This feature facilitates BRISyariah customer whose location is distant from BRISyariah branch office. As of the end of 2016, 756 KLS location which spread at Bank BRI branch offices, increased by 12% of the previous year which was 675 KLS. [G4-FS13]

Disaster Recovery Center BRISyariah continues to perform information technology system developments through enhancement Core Banking System ‘SYIAR’ to which they own. SYIAR has architecture with which open platform and open system makes it more flexible to be developed. SYIAR is located in data center and disaster recovery center (DRC).

BRISyariah has perfected DRC capacity, whether on link and apparatus of network, server, database, storage, as well as other supporting apparatus. DRC testing is conducted by operating Core Banking SYIAR production from DRC location flawlessly and declining service quality. This improvement of DRC capacity serves as one of proofs of BRISyariah commitment in providing security guarantee and services availability to the customer should data center experiences system failure.

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MENGINTEGRASIKAN LINGKUNGAN DAN MASYARAKATINTEGRATING ENVIRONMENT AND COMMUNITY

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Sustainability Performance Highlights

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Portofolio produk dan kualitas pinjaman merupakan aspek material dalam laporan ini karena turut menentukan pertumbuhan Perusahaan yang berkualitas dalam jangka pendek maupun panjang.

Pengelolaan portofolio dan kualitas pinjaman dilakukan dengan menerapkan pendekatan green banking yang mengintegrasikan aspek lingkungan dan sosial dalam kebijakan proses pembiayaan. BRISyariah mendapat kepercayaan dari OJK dan WWF menjadi salah satu bank pionir yang terlibat dalam program Pilot Project Implementasi Panduan Integrasi Lingkungan, Sosial, dan Tata Kelola (LST) bagi Bank.

Dari sisi internal Perusahaan, BRISyariah mengaplikasikan pendekatan green banking dalam kegiatan operasional dengan cara menggunakan sumber daya secara efisien. BRISyariah memiliki kebijakan menggunakan kertas, listrik, air, dan bahan bakar secara efisien. Evaluasi terhadap pelaksanaan inisiatif green banking dilakukan secara berkala oleh divisi Network Development dan diawasi langsung oleh Direktur Operasional. [G4-DMA]

Product portfolio and loan quality are material aspects in this report as it will help determining the Company’s quality growth in short and long term.

Portfolio and loan quality management are conducted by implementing green banking approach that integrates environmental and social aspects in financing process policy. BRISyariah gains trust from OJK and WWF to be one of the bank pioneers involving in Pilot Project of Implementation of Integration Guidelines on Environmental, Social, and Governance (LST) for Bank.

Of Company’s internally, BRISyariah carried out green banking approach in operational activities by using resources efficiently. BRISyariah has policies on the use of paper, electricity, water, and fuel efficiently. Evaluation to the implementation of green banking initiative is conducted periodically by Network Development division and directly supervised by Operations Director. [G4-DMA]

MENDUKUNG INISIATIF GREEN BANKINGSupporting Green Banking Initiative

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Memastikan Landasan KeberlanjutanBRISyariah memiliki kebijakan pembiayaan green banking untuk memastikan pelaksanaan bisnis klien tidak berdampak negatif terhadap lingkungan maupun sosial. Penilaian risiko terkait dampak operasional nasabah green banking BRISyariah dilakukan melalui serangkaian uji kelayakan serta audit ketat. Proses penilaian calon nasabah green banking BRISyariah diantaranya mencakup pemenuhan dokumen analisa mengenai dampak lingkungan (AMDAL), pemenuhan aspek teknis pengelolaan lingkungan, hingga kesesuaian tata ruang yang seluruhnya diawasi dandilaksanakan dengan perizinan. [G4-FS1, G4-FS2]

Ensuring Sustainability FoundationBRISyariah has green banking financing policy to ensure client’s business would not bring negative impacts to environment and social. Risk assessment related to operational impacts on BRISyariah green banking customer is carried out through a series of fit and proper test as well as strict audit. Assessment process of BRISyariah green banking prospective customer, among which were the fulfillment of environmental impact analysis document (AMDAL), the fulfillment of technical aspect of environment management, and up to spatial conformity which overall was supervised and conducted with permit.[G4-FS1, G4-FS2]



BRISyariah berinisiatif membentuk Satuan Kerja Pendampingan Implementasi Sustainable Finance yang akan terdiri dari Project Steering Committee dengan dibantu oleh Project Secretary yang membawahi:

Satuan kerja ini bertugas membuat perencanaan, mengelola pelaksanaan serta mengawasi implementasi green banking secara komprehensif dan terpadu. Satuan tugas ini juga bertanggung jawab terhadap seluruh proses dan mekanisme program green banking yang terdiri dari serangkaian kegiatan pendampingan integrasi aspek Keuangan Berkelanjutan (KB)/Lingkungan, Sosial dan Tata Kelola (LST), khususnya pada pembiayaan berkategori berdampak risiko tinggi seperti sektor energi, infrastruktur, industri pengolahan, pertanian dan UMKM dan aspek lain yaitu operasional dan masyarakat. Dengan demikian, satuan kerja ini memiliki fungsi menentukan arah strategis dan target BRISyariah dalam meningkatkan integrasi keuangan berkelanjutan serta sasaran pelaksanaan dalam implementasi KB/LST di BRISyariah.

Secara berkala satuan kerja melakukan evaluasi bagi nasabah penerima pembiayaan green banking terkait pelaksanaan prinsip-prinsip keuangan berkelanjutan (sustainable finance). Kegiatan evaluasi dilakukan melalui kunjungan berkala minimal 4 bulan sekali untuk melihat kinerja keberlanjutan. Untuk itu, BRISyariah terus meningkatkan kompetensi tim satuan kerja yang bertugas menjalankan kebijakan pembiayaan green banking dengan mengikutsertakan mereka dalam kegiatan seminar dan pelatihan. [G4-FS3,

G4-FS4, G4-FS5]

Di sisi lain, BRISyariah mendorong nasabah yang mendapatkan pembiayaan green banking agar terus meningkatkan kinerja keberlanjutan melalui pembinaan dan sharing pengetahuan atau pengalaman berupa kegiatan diskusi. Inisiatif

BRISyariah initiated to form an Assistance Working Unit of Sustainable Finance Implementation consisting of Project Steering Committee with help from Project Secretary, who is in charge of:

This working unit is in charge of making plans, managing implementation as well as supervising green banking implementation comprehensively and integratedly. This working unit is also responsible for all processes and mechanisms of green banking program consisting of series of integration assistance activities of Sustainable Finance (KB)/Environmental, Social, and Governance aspects (LST), especially on high risk impact financing, such as energy, infrastructure, processing industry, agriculture, and SME sectors; and other aspects, which are operational and community. Therefore, this working unit functions to determine BRISyariah’s strategic direction and target in improving sustainable finance integration as well as targets in KB/LST implementation in BRISyariah.

Periodically, working units performs evaluation for green banking financing beneficiary regarding the implementation of sustainable finance principles. The evaluation is conducted at least every 4 months to observe the sustainability performance. Therefore, BRISyariah continues to improve team competencies of working unit that responsibles for performing green banking financing policy by having them participated in seminars and trainings. [G4-FS3,G4-FS4, G4-FS5]

Moreover, BRISyariah boosts customer who receives green banking financing to constantly sharpening their sustainable performance through fostering and sharing of knowledge or experience in the form of discussions. This initiative is made to control risk

Sub Team Pengembangan Kerangka Kebijakan dan Prosedur Pembiayaan;Subteam of Policy Framework and Financing Procedure Developments

Sub Team Operasional, Data dan Pelaporan;Subteam of Operational, Data, and Reporting

Sub Team Pengembangan Kemasyarakatan.Subteam of Community Developments

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ini dilakukan untuk mengendalikan risiko dan menangkap peluang terkait pengelolaan aspek lingkungan dan sosial. [G4-FS3, G4-FS4, G4-FS5]

Khusus pembiayaaan yang dikategorikan green banking, antara lain renewable energy (pembangkit listrik tenaga mini hidro/PLTMH), efficiency energy (pabrik tapioka berbahan bakar biogas) dan sustainable agriculture (perkebunan sawit bersertifikat ISPO dan peternakan ayam sistem closed house).

Jumlah pembiayaan green banking mencapai 1,27% dari total keseluruhan pembiayaan yang diberikan. Seluruh (100%) perusahaan yang mengajukan permohonan pinjaman telah melalui proses seleksi dan analisa. [G4-FS8, G4-FS10, G4-FS11]

Hingga laporan ini diterbitkan, BRISyariah belum melakukan audit terkait pelaksanaan kebijakan lingkungan dan sosial kepada nasabah pembiayaan green banking. Hal ini karena inisiatif green banking dimulai pada tahun 2016. BRISyariah juga belum memiliki kebijakan pemberian hak voting kepada pemegang saham, direksi maupun komisaris, terkait isu mengenai lingkungan dan sosial. [G4-FS9, G4-F12]

Pembiayaan Proyek Green Banking (dalam juta Rupiah) [G4-FS8]

Green Banking Project Financing (in million Rupiah)

Sektor PembiayaanFinancing Sector 2016 2015 2014

Pembangkit Listrik Tenaga Mini Hidro (PLTMH)Mini Hydro Power Plant

58.575 81.400 86.066

Pabrik tapioka berbahan bakar biogasBiogas-fuel tapioca factory

102.098 67.374 33.668

Perkebunan sawit bersertifikat ISPOISPO certified palm oil plantation

44.650 45.550 N/A

Peternakan ayam petelur sistem closed houseClosed house system chicken farm

24.486 27.603 20.698

Total 229.809 221.927 140.432

and seize opportunites related to environmental and social aspects management. [G4-FS3, G4-FS4, G4-FS5]

Financing products that are categorized as green banking, among which are renewable energy (mini hydro power plant), efficiency energy (biogas based tapioca factory) and sustainable agriculture (ISPO certified palm oil plantation and closed house system chicken farm).

Total green banking financing reached 1.27% of the grand total of financing. The entire (100%) company filed for loan requests after going through screening process and analysis. [G4-FS8, G4-FS10, G4-FS11]

Up to the publication of this report, BRISyariah has yet to perform audit related to environmental and social policy implementation on green banking financing customer. This was due to green banking initiative just started in 2016. BRISyariah also has not had the provision of voting rights policy to shareholders, directors and commissioners, relating to environmental and social issues. [G4-FS9, G4-F12]



Operasional Ramah LingkunganSejalan dengan pendekatan green banking, BRISyariah berupaya melakukan kegiatan operasional yang ramah lingkungan dengan cara menggunakan kertas, listrik, air, dan bahan bakar secara efisien.

Inisiatif penggunaan kertas secara efisien, antara lain menggunakan kertas bekas untuk kebutuhan internal dan menggunakan aplikasi e-nodin untuk korespondensi internal BRISyariah. Hingga 31 Desember 2016, penggunaan kertas kantor pusat mencapai 3.262 rim, naik 13.46% dari tahun sebelumnya. Peningkatan penggunaan kertas ini karena perkembangan bisnis perusahaan.

Environmentally Friendly OperationalIn accordance with green banking approach, BRISyariah strived to perform operational activities that were environmentally friendly by utilizing paper, electricity, water, and fuel efficiently.

The initiative of efficient use of paper, among which was using used paper for internal use and utilizing e-nodin application for BRISyariah internal correspondences. As of 31 December 2016, the use of paper at head office reached 3,262 reams, rose by 13.46% of the previous year. The increase of the paper use depended on company’s business development.

Pemakaian KertasUse of Paper

2014

2015

2016

Pemakaian Kertas Kantor Pusat Use of Paper at Head Office

Biaya Pengadaan Procurement Cost

1.177

2.875

2016 2015 2014

102.536.000

3.262

97.359.000

44.417.000

Rupiah Rupiah

Rim Ream

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Pada akhir 2016, penggunaan biaya konsumsi listrik di kantor pusat tercatat sebesar Rp1.342.209.109, turun 51% dari tahun sebelumnya. Penurunan terjadi karena perpindahan Data Center yang awalnya berada di Gedung Jamsostek, Jakarta Selatan ke Data Center BRI di Ragunan, Pasar Minggu, Jakarta Selatan dan juga mematikan lampu ruangan kerja ketika tidak digunakan dan jam istirahat.

Biaya penggunaan air di kantor pusat sepanjang tahun 2016 mencapai Rp90.478.891 turun 6,93% dari tahun sebelumnya. Penurunan ini terjadi karena komitmen karyawan untuk menggunakan air sesuai keperluan.

Inisiatif penggunaan bahan bakar minyak secara efisien dilakukan dengan cara mengoptimalkan penggunaan kendaraan secara bersama untuk tujuan yang sama (carpooling system). Sampai dengan 31 Desember 2016, biaya konsumsi gas/bensin mencapai Rp321.735.623 turun 2,8% dari tahun sebelumnya.

At the end of 2016, the use of electricity consumption cost at head office recorded at Rp1,342,209,109, declining by 51% of the previous year. The decline occurred because of Data Center’s transition which initially located at Gedung Jamsostek to Data Center BRI in Ragunan, and also turning off workroom lights when finished using and during break hour.

Water use cost at head office during 2016 reached Rp90,478,891, declining as much as 6.93% of the previous year. This decline was due to employee’s commitment in using water properly.

The initiative of efficient fuel use was carried out by optimizing collective use of transportation for mutual purpose (carpooling system). As far as 31 December 2016, gas/gasoline consumption cost reached Rp321,735,623 decreasing as much as 2.8% of the previous year.

Biaya Penggunaan Bahan Bakar (dalam Rupiah)Fuel Use Cost (in Rupiah)

2016 2015 2014

321.735.623331.036.564

320.319.337

Konsumsi gas/bensin Gas/gasoline consumption



Program BRISyariah BerfaedahBRISyariah berkomitmen mendukung terciptanya pembangunan berkelanjutan (sustainable development) melalui pelaksanaan CSR yang berfaedah bagi masyarakat di sekitarnya, baik dari sisi aspek sosial, ekonomi dan lingkungan. Melalui payung program ‘BRISyariah Berfaedah’, pelaksanaan CSR BRISyariah fokus pada lima bidang, yaitu pendidikan, kesehatan, sosial, peribadahan dan penghijauan.

BRISyariah Berfaedah ProgramBRISyariah commits to support the establishment of sustainable development through beneficial CSR for the surrounding community, whether from social, economic, and environmental. Under the aegis of ‘BRISyariah Berfaedah’ program, BRISyariah CSR focused on five fields, which are education, health, social, religious observance, and greening.

Pelaksanaan tanggung jawab sosial perusahaan (CSR) merupakan strategi BRISyariah sekaligus investasi jangka panjang untuk mencapai pertumbuhan dan keberlanjutan (sustainability) Perusahaan.

Implementation of corporate social responsibility (CSR) serves as both BRISyariah’s strategy and long term investment to achieve growth and sustainability of Company.

MEMBANGUN MASYARAKAT Building Community

Sumber dana CSR BRIsyariah berasal dari dana kebajikan (qardul hasan) dan zakat. Dana kebajikan berasal dari infak dan sedekah (karyawan BRISyariah dan masyarakat umum), denda dari kegiatan penyaluran pembiayaan dan penghimpunan dana, pendapatan non-halal, serta dana sosial lainnya. Penggunaan dana kebajikan untuk pelaksanaan CSR BRISyariah merujuk pada Surat Edaran Direksi PT BRISyariah NO.SE.B.001-PDR/03-2016 tanggal 31 Maret 2016.

BRISyariah CSR fund was sourced from good deeds fund (qardul hasan) and zakat. The goods deeds fund derived from infaq and sadakah (BRISyariah and public), penalty from financing disbursement and fund raising, non-halal income, as well as other social fund. The use of good deeds fund for BRISyariah CSR was based on Circular of the Board of Directors of PT BRISyariah NO.SE.B.001-PDR/03-2016 of 31 March 2016.

Tujuan pelaksanaan CSR BRISyariah, antara lain:Purposes of BRISyariah CSR are as follow:

Meningkatkan citra PerusahaanImproving Company’s image

Mengembangkan kerja sama dengan para pemangku kepentinganDeveloping cooperation among stakeholders

Membedakan Perusahaan dengan pesaingnyaDifferentiating Company to its competitors

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Realisasi Penyaluran Dana Kebajikan (CSR) Tahun 2016Realization of Goods Deeds Disbursement (CSR) 2016

No KegiatanActivity

Jumlah Total


1 Faedah Pendidikan Education Benefits

BRISyariah mengajar (di Bengkulu, Pontianak, Balikpapan, Samarinda, Kendari), pemberian beasiswa pelajar (SD, SMP, SMU) dan mahasiswa di beberapa wilayah sekitar Kantor Cabang, dan donasi kepada lembaga pendidikan (pesantren, SLB dan Yayasan Indonesia Mengajar).BRISyariah taught (in Bengkulu, Pontianak, Balikpapan, Samarinda, Kendari), student scholarship grant (Elementary School, Junior High School, Senior High School) and university students in several areas surrounding Branch Office, and donations to education institution (Islamic seminary, Extraordinary Shool, and Yayasa Indonesia Mengajar).

577.790.000 33,50

2 Faedah Kesehatan Health Benefits

Bakti sosial (kawasan kumuh Rawa Badak Jakarta), pengobatan gratis dan kitanan masal (di Masjid Agung Banda Aceh, Masjid Nurul Islam Palangkaraya, Masjid Ageng Surakarta) dan donor darah bagi karyawan/karyawati BRISyariah.Volunteer work (slum area of Rawa Badak Jakarta), free treatment and mass circumcision (at Great Mosque of Banda Aceh, Palangkaraya Nurul Islam Mosque), and blood donation for all BRISyariah’s employees.

413.467.103 23,97

3 Faedah Sosial Social Benefits

Santunan dhuafa dan santunan anak yatim/piatu (dikoordinir Kantor Cabang BRIsyariah Depok, Kediri dan BSD Tangerang), bantuan korban banjir (Aceh, Garut, Bima), sumbangan takjil selama Ramadhan di Masjid Istiqlal dan Al Falah Benhil Jakarta, dan mudik Ngebuzz Bareng BRI.Unfortunate and orphans benefit (coordinated by Depok, Kediri, and BSD Tangerang BRISyariah Branch Office), free takjil donation during Ramadhan at Istiqlal Mosque and Al Falah Mosque of Benhil Jakarta, and Ngebuzz Bareng BRI (mudik/annual homecoming tradition).

327.524.000 18,99

4 Fedah Peribadahan Religious Observance Benefits

Pembangunan fisik masjid dan perumahan dosen/karyawan Universitas Islam Bandung, program bersih masjid di 52 masjid di seluruh Indonesia, dan donasi untuk marbot di sejumlah masjid/mushola di Indonesia. Physical development of mosque and college lecturer/employee of Bandung Islamic housing, cleaning mosque program at 52 mosques across Indonesia, and donations for mosque caretakers at several mosques/mushola in Indonesia.

396.038.900 22,96

5 Faedah Lingkungan Hidup Environmental Benefits

Penanaman 1.500 bibit pohon di desa Conto Kecamatan Bulukerto Kabupaten Wonogiri.Planting 1,500 seeds in Conto Village, Bulukerto District, Wonogiri Regency.

9.805.000 0,57

Jumlah 1.724.625.003 100



Dana zakat berasal dari zakat profesi karyawan dan 2,5% dari laba perusahaan, zakat simpanan, zakat non simpanan, zakat nasabah serta masyarakat umum. Dana zakat yang terkumpul disalurkan kepada mustahiq atau yang berhak sesuai ketentuan syariat Islam melalui BAZNAS (Badan Amil Zakat Nasional) dan Yayasan Baitul Maal (YBM) BRI untuk kegiatan sosial.

Zakat fund derives from employee profession zakat and 2.5% of company’s profit, savings zakat, non-savings zakat, customer zakat as well as public zakat. The acquired zakat fund was disbursed to mustahiq or those that entitled in accordance with Islamic sharia provisions through BAZNAS (National Zakat Agency) and Baitul Maal Foundation of BRI for social activities.

Realisasi Penyaluran Dana Zakat (dalam Rupiah)Realization of Zakat Fund Disbursement (in Rupiah)

Dana Untuk Kegiatan SosialFund for Social Activities

Pihak Penerima Dana SosialSocial Fund Beneficiary

Periode PelaporanReporting Period

2016 2015 2014

Penyaluran dana Zakat, Infak dan Sedekah Karyawan/ti BRISyariahDisbursement of BRISyariah Employee’s Zakat, Infaq, and Sedekah Fund

BAZNAS 1.065.932.419 4.242.148.138 7.022.461.475

Yayasan Baitul Maal (YBM) BRIBaitul Maal Foundation of BRI

2.000.000.000 1.374.468.182 2.714.403.584

Dana Zakat yang Belum TersalurkanNon-Disbursed Zakat Fund

1.341.306.416 75.717.615 287.981

Integrasi Program Lingkungan dan SosialSejalan dengan kebijakan green banking yang dicanangkan oleh Bank Indonesia, BRISyariah melaksanakan kegiatan CSR yang mengintegrasikan program lingkungan dan sosial dalam beberapa tahun terakhir. BRISyariah membangun sarana penampungan air bersih di daerah-daerah yang warganya kesulitan mendapatkan air bersih.

Environment and Social Program IntegrationAligning with green banking policy announced by Bank Indonesia, BRISyariah carried out CSR activities which integrates environmental and social programs in the last seveal years. BRISyariah built clean water reservoir facilities in places where its residents having difficulty in acquiring clean water.

Dampak dari Investasi Pembangunan Infrastruktur [G4-EC7]

Impact of Infrastructure Development Investment

ProgramProgram

Biaya (Rp)Cost (Rupiah)

Durasi PekerjaanWork Duration

Status Status

Dampak Impact

Tipe Type

Pembuatan sarana penampungan air bersih di Dusun Ngaglik Desa Kalipuncang Kecamatan Grabak Kabupaten MagelangConstruction of clean water facilities in Ngaglik Hamlet, Kalipuncang Village, Grabak District, and Magelang Regency

80.000.000 6 bulan6 months

SelesaiComplete

- Distribusi air merata ke warga- Penghematan air- Meringankan beban warga- Evenly water distribution to

residents- Water saving- Relieving residents’ affliction

Hibah sosialSocial grant

Pipanisasi air bersih Dusun Sumber Banteng Desa Ngampu Kab KediriClean water pipelines installation of SumberBateng Hamlet, Ngampu Village, Kediri Regency

80.000.000 6 bulan6 months

SelesaiComplete

- Distribusi air merata ke warga- Penghematan air- Meringankan beban warga- Evenly water distribution to

residents- Water saving- Relieving residents’ affliction

Hibah sosialSocial grant

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MENGELOLA SUMBER DAYA INSANIMANAGING HUMAN RESOURCES

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MEMPERKUAT SINERGI KARYAWANSTRENGTHENING EMPLOYEES’ SYNERGY

Sumber daya insani (SDI) merupakan salah satu aspek material dalam menentukan keberlanjutan BRISyariah kerena kegiatan operasional bertumpu pada hasil kinerja karyawan.

Sejak 2014 hingga sekarang, Perusahaan menerapkan kebijakan ‘zero growth external recruitment’ dengan tujuan untuk memperkuat sinergi tim-tim bisnis dan pendukung bisnis yang lebih solid. Pada akhir 2016, jumlah karyawan tetap BRISyariah mengalami kenaikan 6,40% dibandingkan tahun sebelumnya.

Pada tahun 2017 rasio produktivitas yang dicerminakan dari besarnya jumlah laba/karyawan dan jumlah pendapatan/karyawan ditargetkan meningkat 20% dari tahun sebelumnya. Jumlah ini akan disesuaikan sejalan dengan target pertumbuhan Perusahaan. Evaluasi pelaksanaan pengelolaan SDI sepanjang tahun dinilai dengan menggunakan Sistem Manajemen Kinerja (SMK). Pemantauan kinerja SDI dilakukan oleh Grup Sumber Daya Insani dan diawasi langsung oleh Direktur Utama. [G4-DMA]

Human resources (SDI) is one of material aspects that determines BRISyariah’s sustainability as operational activities rest on employee’s performance results.

Since 2014 to present, Company has been implementing ‘zero growth external recruitment’ policy with the purpose of strengthening business teams’ synergy and more solid business supports. At the end of 2016, number of BRISyariah’s full-time employees experienced 6.40% increase compared to the previous year.

In 2017, productivity ratio projected by the total profit/employees and total target of profit/employees could be increasing by 20% of the previous year. This number would be adjusted accordingly with Company’s growth target. Evaluation of SDI management throughout the year was based on Performance Management System (SMK). SDI performance supervision is conducted by Human Resources Group and monitored directly by President Director. [G4-DMA]

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Menjaga Komposisi Karyawan IdealBRISyariah selalu menjaga komposisi karyawan sesuai dengan kebutuhan Perusahaan untuk memberikan layanan prima kepada nasabah. Hingga akhir tahun 2016, jumlah perekrutan karyawan BRISyariah sebanyak 481 orang. Pada 31 Desember 2016 tingkat turnover BRISyariah berada pada posisi 10,79% atau menurun sebesar 39,90% dari tahun sebelumnya yang tercatat sebesar 17,95%. Secara umum turnover karyawan terjadi karena kurangnya pencapaian target. [G4-LA1]

Maintaining Ideal Composition of EmployeesBRISyairiah constantly maintains its employees’ composition according to Company’s needs in order to provide excellent services to customer. Until the end of 2016, total of BRISyariah’s employee recruitment amounting to 481 people. On 31 December 2016, BRISyariah’s turnover rate was 10.79% or declining by 39.90% of the previous year which was recorded at 17.95%. In general, employee turnover occurred due to the lacking of target achievement. [G4-LA1]

Jumlah Perekrutan Karyawan Baru Berdasarkan Wilayah Kerja dan Usia [G4-LA1]

Total New Employee Recruitment Based on Work Area and Age

Wilayah KerjaWork Area

Kategori UsiaAge Category

2016

Laki-laki Male Perempuan Female

Jakarta Jakarta < 30 tahun < 30 y.o. 83 32

30-50 tahun 30-50 y.o. 2 0

> 50 tahun > 50 y.o. 15 1

Jumlah karyawan Jakarta Total employees of Jakarta 133

Jawa Barat West Java

< 30 tahun < 30 y.o. 18 34

30-50 tahun 30-50 y.o. 10 1

> 50 tahun > 50 y.o. 0 0

Jumlah karyawan Jawa barat Total employees of West Java 63

Jawa Tengah & DIY Central Java and Special Region of Yogyakarta

< 30 tahun < 30 y.o. 25 21

30-50 tahun 30-50 y.o. 9 2

> 50 tahun > 50 y.o. 0 0

Jumlah karyawan Jawa Tengah dan DIY Total employees of West Java 57

Jawa Timur East Java

< 30 tahun < 30 y.o. 23 35

30-50 tahun 30-50 y.o. 7 1

> 50 tahun > 50 y.o. 0 0

Jumlah karyawan Jawa Timur Total employees of East Java 66

Sumatera Sumatera

< 30 tahun < 30 y.o. 41 38

30-50 tahun 30-50 y.o. 11 1

> 50 tahun > 50 y.o. 0 0

Jumlah karyawan Sumatera Total employees of Sumatera 91


< 30 tahun < 30 y.o. 29 32

30-50 tahun 30-50 y.o. 10 0

> 50 tahun > 50 y.o. 0 0

Jumlah karyawan Indonesia Tengah dan Timur Total employees of Central & East Indonesia 71

Total karyawan Total employees 481



Jumlah Turnover Karyawan Baru Berdasarkan Wilayah Kerja dan Usia [G4-LA1]

Total New Employee Turnover Based on Work Area and Age

Wilayah KerjaWork Area

Kategori UsiaAge Category

2016

Laki-laki Male Perempuan Female

Jakarta Jakarta < 30 tahun < 30 y.o. 54 47

30-50 tahun 30-50 y.o. 5 1

> 50 tahun > 50 y.o. 65 13

Jumlah karyawan Jakarta Total employees of Jakarta 185

Jawa Barat West Java

< 30 tahun < 30 y.o. 59 69

30-50 tahun 30-50 y.o. 105 11

> 50 tahun > 50 y.o. 0 0

Jumlah karyawan Jawa barat Total employees of West Java 244

Jawa Tengah & DIY Central Java and Special Region of Yogyakarta

< 30 tahun < 30 y.o. 40 37

30-50 tahun 30-50 y.o. 78 13

> 50 tahun > 50 y.o. 0 0

Jumlah karyawan Jawa Tengah dan DIY Total employees of West Java 168

Jawa Timur East Java

< 30 tahun < 30 y.o. 56 77

30-50 tahun 30-50 y.o. 45 6

> 50 tahun > 50 y.o. 0 0

Jumlah karyawan Jawa Timur Total employees of East Java 184

Sumatera Sumatera

< 30 tahun < 30 y.o. 105 52

30-50 tahun 30-50 y.o. 82 10

> 50 tahun > 50 y.o. 0 0

Jumlah karyawan Sumatera Total employees of Sumatera 249


< 30 tahun < 30 y.o. 93 55

30-50 tahun 30-50 y.o. 1 0

> 50 tahun > 50 y.o. 55 11

Jumlah karyawan Indonesia Tengah dan Timur Total employees of Central & East Indonesia 215

Total karyawan Total employees 1.245

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MENINGKATKAN KOMPETENSI KARYAWANIMPROVING EMPLOYEES’ COMPETENCIES

Peningkatan pendidikan dan pelatihan SDI mengenai perbankan syariah merupakan aspek material bagi BRISyariah untuk mendorong kinerja dan produktivitas seluruh karyawan. Pendekatan pendidikan/pelatihan karyawan dilakukan melalui kegiatan e-learning, in class training, dan on the job training.

Peningkatan kompetensi karyawan sejalan dengan upaya meningkatkan literasi perbankan syariah bagi pemangku kepentingan eksternal, mulai dari front office, back office, jurnal akuntansi, hingga pelaporannya. Selama tahun 2016, kegiatan peningkatan kompetensi dilakukan melalui pelatihan klasikal sebanyak 105 program yang diikuti 1.626 peserta dan pelatihan e-learning sebanyak 47 program yang diikuti oleh 10.262 peserta.

Pada tahun 2017, BRISyariah merencanakan pengembangan karyawan melalui media, diantaranya ujian dinas sertifikasi, pendidikan dan pelatihan untuk pemimpin cabang/cabang pembantu dan tenaga pemasar serta pelatihan melalui program ‘Yuk Kita Sharing’ dan video learning. Pelaksanaan pendidikan dan pelatihan perbankan syariah SDI dipantau oleh Grup Sumber Daya Insani dan kinerja ini dilaporkan kepada Direktur Utama. [G4-DMA]

Education and training improvement for SDI regarding sharia banking constitutes a material aspect for BRISyariah in order to encourage performance and productivity of all employees. Education/training approach for employees is conducted through e-learning, in class training, and on the job training.

Improvement of employee’s competencies is in line with the endeavor of improving sharia banking literacy for external stakeholders, starting from front office, back office, accounting journal, up to its reporting. During 2016, the competencies improvement was conducted through classroom training amounting to 105 programs that was followed by 1,626 participants and e-learning training amounting to 47 programs with 10,262 participants.

In 2017, BRISyariah is planning to improve employee development through media, among which were official certification examination, education and training for branch head/sub-branch head and marketers as well as training through ‘Yuk Kita Sharing’ program and video learning. Sharia banking education and training for SDI is monitored by Human Resources Group and this performance is reported to President Director. [G4-DMA]



Pengembangan Pendidikan/Pelatihan Perbankan Syariah Fokus pengelolaan SDI BRISyariah menekankan program pengembangan kompetensi internal dengan memberikan pelatihan/pendidikan perbankan syariah secara berkelanjutan.

Pada tahun 2016, jumlah peserta yang mengikuti pelatihan sebanyak 11.889, naik 34,08% dibandingkan tahun sebelumnya, yang sebanyak 8.867. Program ini diikuti oleh SDI antara lain dari: Segmen Bisnis, Support Bisnis, Operasional, Risiko, Kepatuhan dan Audit (pemeriksaan), dan Pengembangan Sumber Daya Insani.

Realisasi anggaran pendidikan dan pelatihan Sumber Daya Insani tahun 2016 sebesar Rp5,814 miliar, naik 3,93% dibandingkan tahun sebelumnya sebesar Rp5,594 miliar. Peningkatan ini karena bertambahnya jumlah pelatihan.

Sharia Banking Education/Training Development

Focus of BRISyariah Human Resources (SDI) development emphasizes on internal competencies development program by providing sharia banking training/education sustainably.

In 2016, the amount of participants who followed training amounting to 11,889, increasing by 34.08% compared to the previous year, which was 8,867. This program was followed by SDI, among which were coming from: Business Segment, Business Support, Operational, Risk, Compliance and Audit (investigation), and Human Resources Development.

Realization of Human Resources education and training budget 2016 amounting to Rp5.814 billion, increasing by 3.93% compared to the previous year amounting to Rp5.594 billion. This improvement was because of the increasing number of training.

Jumlah Karyawan Berdasarkan Level Organisasi [G4-10]Total Employees Based on Organization Level

Kelompok Jabatan EselonEchelon Group

2016 2015 2014

Laki-laki Male Perempuan Female Laki-laki Male Perempuan

Female Laki-laki Male Perempuan Female

I 15 0 16 1 13 2

II 9 3 7 1 6 0

III 96 15 87 15 80 25

IV 478 107 552 121 553 89

V 1.082 474 1.039 415 947 423

VI 1.822 1.046 2.188 1.108 2.122 1.120

Jumlah Total 3.502 1.645 3.889 1.661 3.721 1.659

Jumlah Keseluruhan Karyawan Total Employees

5.147 5.550 5.380

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Jumlah Total Jam Training Seluruh Karyawan [G4-LA9]

Total Training Hours of ICT

KeteranganDescription

2016 2015 2014

ICT E-Learning ICT E-Learning ICT E-Learning

Jumlah Peserta Training Total Training Participant

3.554 8.335 3.295 5.572 3.631 2.445

Realisasi Anggaran Training (Rp)Budget Realization of Training

3.401.083.149 0 5.732.922.433 0 11.353.855.754 0

Average Hari PelatihanAverage Days of Training

3 0 3 0 3 0

Mandays/orangMandays/person

318.991 0 579.962 0 1.042.308 0

Jumlah Jam Rata-rataTotal Average Hours

24 24 24 24 24 24

Man Hour 85.296 200.040 79.080 133.728 87.144 58.680

Man Day 10.662 25.005 9.885 16.716 10.893 7.335

Menebar SALAM BRIS Dunia Pendidikan BRISyariah mengenalkan operasional bisnis bank syariah kepada mahasiswa melalui kerjasama dengan 50 Perguruan Tinggi se-Indonesia. BRISyariah memberikan bantuan aplikasi laboratorium perbankan Sistem Aplikasi Laboratorium Minibanking BRIS ‘SALAM BRIS’ untuk dunia pendidikan yang telah disesuaikan dengan dunia kerja. Manfaat perangkat lunak laboratorium mini banking syariah ini bagi para mahasiswa antara lain mahasiswa mendapat pengetahuan praktis dalam operasionalisasi perbankan syariah.

Spreading SALAM BRIS EducationBRISyariah introduced sharia banking business operations to university students through cooperations with 50 Indonesian Universities. BRISyariah provides assistance of banking laboratorium application BRISyariah Minibanking Laboratory Application System ‘SALAM BRIS’ for education that has been adjusted to work environment. The advantage of this sharia minibanking laboratory software for the university students, among which was they could get practical knowledge in sharia baking operationalization.



MENERAPKAN TATA KELOLA BERKELANJUTANIMPLEMENTING SUSTAINABLE GOVERNANCE

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BRISyariah secara terus menerus memperkokoh pelaksanan tata kelola perusahaan yang baik (good corporate governance) pada setiap aktivitas bisnis dan operasional dalam rangka mewujudkan visi dan misinya. Pelaksanaan tata kelola mengacu pada ketentuan regulator yang berlaku.

BRISyariah continuously strengthens good corporate governance in each business activity and operations in actualizing its vision and mission. The governance implementation refers to the prevailing regulations.

Struktur Tata Kelola [G4-34]

Struktur tata kelola BRISyariah terdiri atas organ utama dan organ pendukung. Organ utama terdiri dari Rapat Umum Pemegang Saham (RUPS), Dewan Komisaris, Dewan Pengawas Syariah dan Direksi. Organ pendukung meliputi Komite-Komite di bawah Komisaris dengan anggota yang memiliki keahlian relevan dan sesuai dengan yang dipersyaratkan oleh ketentuan yang berlaku. Komite Manajemen Risiko bertanggung jawab dalam pembuatan keputusan terkait dengan dampak ekonomi, lingkungan, dan sosial.

Governance Structure [G4-34]

BRISyariah’s governance structure consists of main organ and supporting organ. The main organ composed of General Meetings of Shareholder (GMS), Board of Commissioners, Sharia Supervisory Board, and Board of Directors. The supporting organ includes Committees under Commissioners with members having relevant skills and as required by the applicable regulations. Risk Management Committee is responsible for decision making regarding economic, environmental, and social impacts.

MEMPERKOKOH KOMITMEN TATA KELOLA Strengthening Governance Commitments

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Bagan Struktur Tata KelolaGovernance Structure Chart

Transparency Accountability Responsibility

ORGAN UTAMAMain Organ

ORGAN PENDUKUNGSupporting Organ

Check and Balance

DEWAN KOMISARISBoard of Commissioners Sharia Supervisory Board Board of Directors

PELANGGANCustomer

SEKRETARISDEWAN KOMISARISSecretary of the Board of Commissioners

Audit Committee

Remuneration & Nomination Committee

Risk Monitoring Committee

KOMITE MANAJEMEN RISIKORisk Management Committee

Tax Payment Committee

Financing Committee

Asset and Liability Committee

Product Committee

SEKRETARIS PERUSAHAANCorporate Secretary

Risk Management

Compliance

Internal Audit

MANAJEMEN RISIKO

KOMITE KEBIJAKAN PEMBIAYAAN

KOMITE PEMBIAYAAN

IT STEERING COMITTEE

ALCO

KOMITE AUDITINTERNAL AUDIT

KEPATUHAN

KOMITE NOMINASI & REMUNERASI

KOMITE PEMANTAU RISIKO

DEWAN DIREKSI

KOMUNITASCommunity

KARYAWANEmployers

RUPSGMS

DPS

Professional Fairness



Struktur Pengelola CSR

Pelaksanaan CSR di BRIS menjadi tanggung jawab Corporate Communication Department di bawah supervisi Sekretaris Perusahaan, dan bertanggung jawab kepada Direktur Kepatuhan. Selanjutnya, Corporate Communication Department, mempunyai tanggung jawab tata kelola untuk berkomunikasi dengan para pemangku kepentingan yang menjadi penerima manfaat program/kegiatan CSR BRISyariah. [G4-35,G4-36]

CSR Management Structure

CSR in BRIS becomes the responsibility of Corporate Communication Department under supervision of Corporate Secretary who reports to Compliance Director. Subsequently, Corporate Social Responsibility Division as governance executives’ representative to communicate with stakeholders who are the beneficiaries of BRISyariah CSR program/activities. [G4-35,G4-36]

Struktur Pengelola CSRCSR Management Structure

Corporate Secretary Group

Corporate Secretary

Corporate Communication

Marketing Communication

Advertising Supervisor

Social Media Staff Event & Merchandising Staff

Public Relation & Corporate Social Responsibility

Media Relation Officer External Relation Officer

CSR & ZIS Officer

Desain Grafis Staff

Promotion Supervisor

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Manajemen Risiko [G4-14]

BRISyariah menerapkan manajemen risiko berdasarkan prinsip kehati-hatian di seluruh kegiatan operasional perbankan. Pengelolaan risiko menerapkan prinsip three line of defense untuk memperkuat sistem pengendalian risiko secara menyeluruh dan handal.

Risk Management [G4-14]

BRISyariah implements risk management based on prudent principles in all banking operational activities. Risk management actualizes three line of defenses principle in order to reinforce risk controlling system thoroughly and reliably.

Prinsip Pengelolaan RisikoRisk Management Principle

Direksi & Dewan Komisaris

Business Units RMG

Risk Management Function

Specialist Department

Compliance Unit / Desk

Daily Operational/Transaction Risk Management

Risk Oversight, Risk Management Framework

3rd of Line of DefenseInternal Audit

1st Line of Defense 2nd Line of Defense 3rd Line of Defense

Internal Control & Independent Assurance

Support & Specialist Department



Perseroan menerapkan kerangka pengelolaan risiko secara terpadu untuk mengendalikan 10 risiko yang terekspos di Perseroan.

Kerangka penerapan manajemen risiko tersebut, antara lain mencakup:

1. Pengawasan Aktif Dewan Komisaris, Direksi dan Dewan Pengawas Syariah

Dewan Komisaris, Direksi dan Dewan Pengawas Syariah bertanggung jawab atas efektivitas penerapan manajemen risiko di Perseroan. Dewan Komisaris melakukan evaluasi terhadap kebijakan dan proses implementasi kebijakan manajemen risiko yang dilakukan oleh Direksi. Evaluasi dilakukan dalam rangka memastikan bahwa Direksi telah melakukan pengelolaan risiko yang efektif di Perseroan. Dalam melakukan pengawasannya, Komisaris dibantu oleh Komite Pemantau Risiko.

Direksi bertanggung jawab terhadap pengelolaan seluruh eksposur risiko dan hubungannya dengan pengelolaan modal serta pengembangan budaya manajemen risiko. Direksi menetapkan kebijakan dan strategi manajemen risiko secara tertulis dan komprehensif serta melaksanakan kebijakan tersebut termasuk penetapan dan persetujuan limit risiko secara keseluruhan, untuk setiap jenis risiko dan setiap aktivitas fungsional Perseroan. Direksi di bantu oleh Komite Manajemen Risiko (KMR) sebagai komite tertinggi dalam sistem manajemen risiko Perseroan. KMR bersifat non struktural dan independen terhadap unit kerja operasional.

Dewan Pengawas Syariah (DPS) berfungsi melakukan evaluasi (review) atas kebijakan manajemen risiko yang terkait dengan pemenuhan prinsip syariah dan mengevaluasi pertanggungjawaban Direksi yang terkait dengan pemenuhan prinsip syariah. 2. Kecukupan Kebijakan, Prosedur dan Penetapan

Limit Manajemen RisikoKebijakan Manajemen Risiko (KMR) Perseroan menjelaskan tentang dasar-dasar kebijakan manajemen risiko Perseroan dan merupakan ketentuan tertinggi bidang manajemen risiko di Perseroan. Selain KMR, Perseroan pun memiliki kebijakan lainnya yaitu Kebijakan Aktiva Produktif Pasar Uang, Kebijakan Umum Pembiayaan Perseroan dan Kebijakan Umum Operasional Perseroan.

Company implemets risk management framework integratedly to control 10 exposed risks in the Company.

The risk management implementation framework, among which are:

1. On Site Supervision by Board of Commissioners, Board of Directors, and Sharia Supervisory Board

Board of Commissioners, Board of Directors, and Sharia Supervisory Board are responsible for the effectivity of risk management implementation in the Company. Board of Commissioners performs evaluation to policies and process of risk management policy conducted by Board of Directors. Evaluation is carried out to ensure that Board of Directors has performed effective risk management in the Company. In its supervision, Board of Commissioners is assisted by Risk Monitoring Committee.

Board of Directors is responsible for the management of all risks exposure and its relations with capital management as well as development of risk management culture. Board of Directors determines the risk management policies and strategies in writing and comprehensively as well as performs the policies including determining and approving risk limits thoroughly for each risk type and functional activity of the Company. Board of Directors is supported by Risk Management Committee (KMR) as the highest committee in Company’s risk management. KMR is non-structural and independent towards operational working unit.

Sharia Supervisory Board (DPS) functions to review risk management policies related to sharia principles fulfillment, and evaluate Board of Directors’ accountability relating to sharia principles fulfillment.

2. Adequacy of Policies, Procedures, and

Determination of Risk Management LimitsRisk Management Policy (KMR) of Company clarifies the fundamentals of Company’s risk management policies and constitutes the highest definiteness in Company’s risk management. Aside from KMR, the Company also has other policies, such as Money Market Earning Assets Policy, Company’s Financing Policy, and Company’s Operational Policy.

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Penerbitan Pedoman Pelaksanaan Operasional (PPO) merupakan salah satu cara untuk memitigasi risiko yang akan muncul dilingkup Perseroan. Penerbitan PPO ini berfungsi sebagai peraturan tertulis yang digunakan unit-unit lain dalam menjalankan tugas dan fungsinya.

Prosedur pengelolaan dan penetapan limit untuk setiap jenis risiko disesuaikan dengan tingkat risiko yang akan diambil (risk appetite). Penentuan limit seperti penetapan limit aset likuid, limit posisi devisa netto dan limit pembiayaan ditentukan dalam KMR.

3. Proses Manajemen Risiko dan Sistem Informasi Manajemen Risiko

Proses manajemen risiko terdiri dari:a. Identifikasi Identifikasi dilakukan dengan menganalisis

seluruh sumber risiko yang terdapat pada setiap aktivitas dan produk-produk Perseroan.

b. Pengukuran Pengukuran risiko digunakan untuk mengukur

eksposur risiko Persero sebagai acuan untuk pengendalian.

c. Pemantauan Aktivitas pemantauan risiko dilakukan dengan

cara mengevaluasi eksposur risiko yang terdapat dalam seluruh portfolio produk dan kegiatan usaha serta efektivitas proses manajemen risiko.

d. Pengendalian Pengendalian dilakukan dengan mengelola

seluruh eksposur risiko, agar tetap berada dalam risk appetite dan risk tolerance, serta melakukan strategi mitigasi risiko.

The publication of Operations Guidelines (PPO) constitutes one of ways to minigate risks that will emerge in the environment of the Company. This PPO’s publication serves as written regulation used by others units in performing its duties and functions.

Management procedure and limits determination for each risk type are adjusted to risk appetite. Limits determination, such as liquid assets limits, net open position limits, and financing limits are determined in KMR.

3. Risk Management Process and Risk Management Information System

Risk management process consists of:a. Identification Identification is conducted by analyzing all risk

resources identified in each activity and product of Company.

b. Measurement Risk measurement is used to measure Company’s

risk exposure as a reference for controlling.

c. Monitoring Risk monitoring activities are conducted by

evaluating risk exposure identified in all product portfolios and business activities as well as the effectivity of risk management process.

d. Controlling Controlling is conducted by managing all risk

exposures in order to remain within risk appetite and risk tolerance, as well as performing risk mitigation strategies.



Sistem Informasi Manajemen RisikoTersedianya penggunaan metode pengukuran sistim informasi manajemen risiko dalam rangka melakukan kalkulasi secara tepat eksposur risiko pada setiap produk dan transaksi Perseroan, serta aktivitas fungsional Perseroan dan penetapan data dan informasi yang terkait dengan eksposur risiko sebagai input untuk mengambil keputusan.

BRISyariah melakukan penilaian profil risiko secara berkala kepada Otoritas Jasa Keuangan/Bank Indonesia. Dari hasil penilaian profil Risiko TW IV 2016, risiko komposit untuk BRISyariah berada pada predikat ‘low to moderate’.

Risk Management Information SystemThe availability of risk management information system as a measurement method in order to calculate risk exposure accurately in each product and transaction of Company, as well as its functional activity and determination of data and information relating to risk exposure as input for decision making.

BRISyariah carries out risk profile assessment periodically to Financial Services Authority/Bank Indonesia. Of the assessment result of Risk Profile of TW IV 2016, composite risk for BRISyariah was given the predicate ‘low to moderate’.

Hasil Penilaian Jenis RisikoAssessment Results of Risk Type

Jenis RisikoRisk Type

TW IV 2016 TW IV 2015 TW IV 2014

Inherent Risk

KPMR Risiko KompositComposite

Risk

Inherent Risk


Risk

Inherent Risk


Risk

Risiko KreditCredit Risk

Moderate Satisfactory Low to Moderate

Moderate Satisfactoy Low to Moderate

Fair Moderate

Risiko PasarMarket Risk

Low Satisfactory Low Low Satisfactoy Low Satisfactoy Low

Risiko Likuiditas Liquidity Risk

Low to Moderate

Satisfactory Low to Moderate

Low Satisfactoy Low Satisfactoy Low

Risiko OperasionalOperational Risk

Low to Moderate


Low to Moderate

Satisfactoy Low to Moderate


Risiko HukumLegal Risk

Low Satisfactory Low Low Satisfactoy Low Low Satisfactoy Low

Risiko Kepatuhan Compliance Risk


Risiko StrategisStrategic Risk

Low to Moderate


Low to Moderate


Low to Moderate


Risiko ReputasiReputation Risk


Risiko InvestasiInvestment Risk

Low to Moderate


Moderate Satisfactoy Low to Moderate

Low to Moderate


Risiko Imbal HasilReturn Risk

Low to Moderate


Low to Moderate


Moderate Fair Moderate

Risiko KompositComposite Risk

Low to Moderate


Low to Moderate


Low to Moderate


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Pencegahan Korupsi BRISyariah telah melaksanakan mekanisme manajemen anti-korupsi, termasuk anti-fraud sesuai dengan SE BI 13/28/DPNP tentang penerapan strategi anti-fraud bagi Bank Umum. BRISyariah memiliki dan menerapkan kebijakan khusus tentang fraud management yang didukung dengan pembentukan Satuan Kerja Anti Fraud, serta infrastruktur lainnya berupa ketentuan tentang whistleblower dan ketentuan tentang pengenaan sanksi bagi karyawan yang melakukan fraud. Kebijakan dan prosedur anti-korupsi BRISyariah disosialisasikan kepada anggota badan tata kelola dan seluruh karyawan melalui e-nodin, BRIS Newsletter, dan portal BRISyariah.

Semua Dewan Direksi dan Komisaris (100%) yang berjumlah 10 orang mengikuti pelatihan anti korupsi sepanjang tahun 2016, ditambah dengan 669 karyawan yang juga mengikutinya. Jumlah ini merupakan 13% dari total karyawan seluruhnya. [G4-

SO4]

Sepanjang tahun 2016, BRISyariah telah mengidentifikasi enam kasus fraud yang telah dibuktikan dengan fakta. [G4-SO5]

Corruption PreventionBRISyariah has carried out anti-corruption management mechanism, including anti-fraud based on SE BI 13/28/DPNP on implementation of anti-fraud strategies for Commercial Bank. BRISyariah has and implements special policy on fraud management supported by the establishment of Anti-Fraud Working Unit, as well as other infrastructures in the form of regulation on whistleblower and such concerning sanction imposition for employees committing fraud. BRISyariah’s anti-corruption policy and procedure are socialized to members of governance body and all employees through e-nodin, BRIS Newsletter, and BRISyariah’s portal.

All Board of Directors and Board of Commissioners (100%), which in total consists of 10 people, participated in anti-corruption training in 2016, and so did 669 employees who participated in it. This number constitutes 13% of the total employees. [G4-

SO4]

Throughout 2016, BRISyariah has identified six fraud cases which have been substantiated by facts. [G4-SO5]

Jumlah Insiden Korupsi [G4-SO5]Total Fraud Incidents

Uraian lebih lengkap mengenai Tata Kelola Perusahaan disajikan dalam Laporan Tahun 2016 dan dapat diakses melalui alamat website: http://www.brisyariah.co.id/?q=laporan-gcg

Detailed description on Corporate Governance is presented in Annual Report 2016 and accessible through website: http://www.brisyariah.co.id/?q=laporan-gcg

Insiden fraud yang berakibat pemecatan karyawan atau sanksi/hukuman terhadap karyawanFraud incidents causing employee dismissal or sanction/punishment to employee

2016

6 5 27

2015 2014

Jumlah KasusNumber of Cases



Menjaga kepuasan nasabah/pelanggan merupakan salah satu nilai budaya unggul yang dimiliki Perusahaan. BRISyariah menanamkan pada setiap karyawan agar memiliki kesadaran sikap serta tindakan yang bertujuan memuaskan pelanggan eksternal dan internal di lingkungan perusahaan.

Maintaining customer satisfaction is one of the best culture values owned by Company. BRISyariah instills in each of its employee in order to have attitude awareness as well as behaviors aiming to satisfy external and internal customer in the Company.

Survei Kepuasan NasabahBRISyariah melakukan survei secara periodik kepada nasabah. Survei ini bertujuan untuk mengumpulkan informasi layanan yang diberikan oleh masing-masing unit kerja.

Hasil survei kepuasan nasabah di Kantor Cabang memperoleh nilai 94,38%, atau naik 3,21% dari tahun sebelumnya dengan nilai 91,17%. Kenaikan nilai disebabkan naiknya kinerja produktivitas karyawan.

Customer Satisfaction SurveyBRISyariah performs survey periodically to customer (internal customer for Head Office and external customer for Branch Office). This survey is aimed to collect services information provided by each working unit.

Survey results of customer satisfaction at Branch Office received score 94.38% or increased by 3.21% of the previous year with the score of 91.17%. The increase was due to the increasing employee productivity performance.

Hasil Survei Kepuasan NasabahSurvey Results of Customer Satisfaction

MENJAGA KEPUASAN NASABAH Maintaining Customer Satisfaction

Tingkat Kepuasan Nasabah (%)Customer Satisfaction Level (%)

94,38 %

91,17 %96,30 %

2016

20152014

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Perlindungan NasabahNasabah BRISyariah dapat melakukan pengaduan terkait dugaan pelanggaran privasi melalui Call Center BRISyariah di 1500789 serta melalui media sosial (Facebook, Twitter dan Instagram). Mekanisme pengaduan nasabah dipermudah dengan adanya aplikasi online Complaint Handling System (CHS). Dengan aplikasi CHS tiap unit kerja yang terlibat dalam pengaduan dapat memonitor penyelesaian pengaduan sesuai dengan jangka waktu yang telah ditetapkan. Nasabah akan dihubungi kembali apabila permasalahan yang dikeluhkan telah diselesaikan.

Sampai dengan 31 Desember 2016, terdapat 7.256 keluhan pelanggan, turun 61,90% dibandingkan tahun sebelumnya. Jumlah keluhan dari badan regulator (OJK) turun 66,67% dibandingkan tahun sebelumnya. Semua (100%) pengaduan yang masuk telah ditindaklanjuti dan dinyatakan selesai pada tahun yang sama.

Customer ProtectionBRISyariah’s customer could file a complaint relating to alleged violation of privacy through Call Center BRISyariah at 1500789 and through social media (Facebook, Twitter, and Instagram). Customer complaints mechanism has been made simpler with online application Complaint Handling System (CHS). With CHS application, each working unit involved in complaint could monitor the complaint resolution according to the established period of time. Customer will be re-contacted if issues on hand have been resolved.

Up to 31 December 2016, there were 7,256 customer complaints, decreasing by 61.90% compared to the previous year. Total complaints from regulators (OJK) decreased by 66.67% compared to the previous year. All (100%) submitted complants have been followed-up and stated to be resolved in the same year.

Jumlah Pengaduan Privasi Nasabah Berdasarkan Sumber [G4-PR8]

Total Complaints of Customer Privacy Based on Source

Keluhan PelangganCustomer Complaints

Keluhan Badan RegulatorRegulator Complaints

2016

7.256

1

2016

2015

19.043

3

2015

2014

20.309

10

2014



Indeks Isi GRI G4GRI G4 Content Index

PENJELASAN HAL UMUMGENERAL STANDARD DISCLOSURES

INDIKATORINDICATORS

URAIANDESCRIPTION

HALAMANPAGE(S)

G4-1 Pernyataan dari DireksiStatement from BOD

14

G4-3 Nama OrganisasiName of The Organization

28

G4-4 Merek,Produk, dan Layanan JasaPrimary Brands, Products and Services

30-31

G4-5 Lokasi Kantor PusatLocation of Headquarter

29

G4-6 Jumlah Negara Tempat BeroperasiNumber of Countries Operation

34

G4-7 Kepemilikan Saham dan Bentuk HukumOwnership and Legal Form

29

G4-8 Pasar TerlayaniMarkets Served

29

G4-9 Skala Organisasi Organizational Scale

32

G4-10 Jumlah dan Komposisi Pegawai Number and Composition of Employees

32-34, 66

G4-11 Pekerja Terlindungi Perjanjian Kerja Bersama (PKB)Employees Covered by Collective Bargaining Agreements

34

G4-12 Rantai Pasokan Organisasi Organizational Supply Chain

34

G4-13 Perubahan Signifikan OrganisasiSignificant Changes of Organization

35

G4-14 Pendekatan Pencegahan Melalui Manajemen RisikoPrecautionary Approach Through Risk Management

73

G4-15 Kepatuhan Pada Prinsip-prinsip dan Inisiatif EksternalExternally Charters, Principles, or Other Initiatives

35

G4-16 Keanggotaan Dalam AsosiasiMemberships in Associations

35

ASPEK MATERIAL DAN PEMBATASANMATERIAL ASPECTS AND BOUNDARIES

G4-17 Daftar Entitas List of Entities

21

G4-18 Proses Menentukan Isi Laporan dan PembatasanProcess for Defining The Report Content and Boundaries

19

G4-19 Daftar Aspek Material List of Material Aspects

20-22

G4-20 Batasan Aspek Material di Dalam OrganisasiAspect boundaries within organization

21-22

G4-21 Batasan Aspek Material di Luar OrganisasiAspect Boundaries Outside Organization

21-22

G4-22 Pernyataan KembaliRestatement

21

G4-23 Perubahan Pelaporan Bersifat SignifikanSignificant Changes from Previous Reports

21

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PELIBATAN PEMANGKU KEPENTINGANSTAKEHOLDERS ENGAGEMENT

INDIKATORINDICATORS

URAIANDESCRIPTION

HALAMANPAGE(S)

G4-24 Daftar Pemangku Kepentingan Stakeholders List

24

G4-25 Dasar Identifikasi dan Seleksi Pemangku KepentinganBasis for Identification and Selection of Stakeholders

24

G4-26 Proses Pendekatan pada Pemangku KepentinganApproach to Stakeholders’ Engagement

24

G4-27 Topik Kunci dan Respon OrganisasiKey Topics and Organization Response

24

PROFIL PELAPORANREPORT PROFILE

G4-28 Periode PelaporanReporting Period

18

G4-29 Tanggal Penerbitan Laporan Terdahulu Date of Most Recent Previous Report

18

G4-30 Siklus PelaporanReporting Cycle

18

G4-31 KontakContact Point

25

G4-32 Indeks Isi GRIGRI Content Index

18

G4-33 PenjaminanAssurance

18

TATA KELOLAGOVERNANCE

G4-34 Struktur Tata Kelola Governance Structure

70

G4-35 Pendelegasian Kewenangan Terkait Topik Ekonomi, Lingkungan, dan SosialDelegating Authority for Economic, Environmental and Social Topics

72

G4-36 Penunjukan Pejabat Pelaksana Kegiatan Terkait Topik Ekonomi, Lingkungan,dan SosialAppointed an Executive Level Position for Economic, Environmental and Social Topics

72

ETIKA DAN INTEGRITASETHICS AND INTEGRITY

G4-56 Nilai-nilai, Prinsip, dan Norma OrganisasiOrganizational Values, Principles and Norms

27



PENJELASAN HAL KHUSUSSPECIFIC STANDARD DISCLOSURES

ASPEK MATERIALMATERIAL ASPECTS

DMA* DAN INDIKATORDMA* AND INDICATOR

URAIANDESCRIPTION

HALAMANPAGE(S)

KINERJA EKONOMIECONOMIC PERFORMANCE

Kinerja EkonomiEconomic Performance

G4-DMA Pengungkapan Pendekatan ManajemenDisclosure Management Approach

38

G4-EC1 Nilai Ekonomi Langsung Dihasilkan dan DidistribusikanDirect Economic Value Generated and Distributed

38-39

Dampak Ekonomi Tak LangsungIndirect Economic Impacts

G4-EC7 Pembangunan dan Dampak Investasi InfrastrukturDevelopment and Impact of Infrastructure Investment

58

SUMBER DAYA MANUSIAHUMAN RESOURCES



62

G4-LA1 Jumlah Pekerja Baru dan Tingkat TurnoverNumber of New Employee and Turnover

63-64

Pelatihan dan PendidikanTraining and Education


65

G4-LA9 Rerata Jam Pelatihan Per Pegawai Per TahunAverage of Training Hours per Year per Employee

67

KEMASYARAKATANSOCIETY

Anti-korupsiAnti-corruption

G4-SO4 Komunikasi dan Pelatihan mengenai Kebijakan dan Prosedur Anti-korupsiCommunication and Training on Anti-corruption Policies and Procedures

77

G4-SO5 Insiden dan Tindakan anti korupsiIncidents of corruption and actions taken

77

TANGGUNG JAWAB PRODUKPRODUCT RESPONSIBILITY

Perlindungan KonsumenCustomer Privacy

G4-PR8 Keluhan Terkait Privasi PelangganNumber of Complaints Regarding Breaches of Customer Privacy

79

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*DMA = Pengungkapan oleh Manajemen/ Disclosure on Management Approach

SUPLEMEN SEKTOR KEUANGAN DAN JASAFINANCIAL SERVICES SUPPLEMENT SECTOR

ASPEK MATERIALMATERIAL ASPECTS

DMA* DAN INDIKATORDMA* AND INDICATOR

URAIANDESCRIPTION

HALAMANPAGE(S)

Portofolio ProdukProduct Portfolio

DMA/FS1-FS5 Pengungkapan Pendekatan ManajemenDisclosure Management Approach

50-53

G4-FS6 Persentase kredit berdasarkan bidang usahaPercentage of the portfolio by specific sector

40-41

G4-FS7 Nilai moneter untuk manfaat SosialMonetary Value of Social benefit

42-43

G4-FS8 Nilai moneter untuk manfaat lingkunganMonetary Value of environmental benefit

53

Audit DMA/G4-FS9 Pengungkapan Pendekatan ManajemenDisclosure Management Approach

53

Kepemilikan AktifActive Ownership

DMA/G4-FS12 Pengungkapan Pendekatan ManajemenDisclosure Management Approach

53

G4-FS10 Jumlah Perusahaan yang terlibat dalam isu sosial dan lingkungan The number of company involved in social and environmental issues

53

G4-FS11 Persentase Aset dalam Screening Sosial atau LingkunganPercentage of Assets in Social or Environmental Screening

53

Komunitas LokalLocal Communities

G4-FS13 Akses Poin di Wilayah Populasi atau Ekonomi Rendah berdasarkan TipeAccess Point s in Low-Populated or Economically Disadvantaged Area by Type

46

G4-FS14 Akses Jasa Keuangan untuk Orang TertinggalFinancial Services Access for Disadvantaged People

42



Daftar SingkatanAbbreviation

AMDAL Analisis Mengenai Dampak LingkunganAnalisis Mengenai Dampak Lingkungan

ATM Anjungan Transaksi MandiriAnjungan Transaksi Mandiri

CHS Complaint Handling SystemComplaint Handling System

CSR Corporate Social ResponsibilityCorporate Social Responsibility

DPK Dana Pihak KetigaDana Pihak Ketiga

DPS Dewan Pengawas SyariahDewan Pengawas Syariah

DRC Disaster Recovery CenterDisaster Recovery Center

EDC Electronic Data CaptureElectronic Data Capture

GCG Good Corporate GovernanceGood Corporate Governance

ISPO Indonesian Sustainability Palm OilIndonesian Sustainability Palm Oil

KB Keuangan Berkelanjutan Keuangan Berkelanjutan

KLHK Kementerian Lingkungan Hidup dan Kehutanan Kementerian Lingkungan Hidup dan Kehutanan

KLS Kantor Layanan Syariah Kantor Layanan Syariah

LST Lingkungan, Sosial, dan Tata Kelola Lingkungan, Sosial, dan Tata Kelola

NPF Non Performing Financing Non Performing Financing

OJK Otoritas Jasa Keuangan Otoritas Jasa Keuangan

PBB Pajak Bumi dan Bangunan Pajak Bumi dan Bangunan

PLTMH Pembangkit Listrik Tenaga Mini Hidro Pembangkit Listrik Tenaga Mini Hidro

PP Peraturan Perusahaan Peraturan Perusahaan

PPO Pedoman Pelakasanaan Operasional Pedoman Pelakasanaan Operasional

RUPS Rapat Umum Pemegang Saham Rapat Umum Pemegang Saham

SDGs Sustainable Development Goals Sustainable Development Goals

SDI Sumber Daya Insani Sumber Daya Insani

SPAN BOII Sistem Pembendaharaan dan Anggaran Negara Bank Operasional II Sistem Pembendaharaan dan Anggaran Negara Bank Operasional 2

SPP Sumbangan Pembinaan Pendidikan Sumbangan Pembinaan Pendidikan

TI Teknologi Informasi Teknologi Informasi

TJSL Tanggung Jawab Sosial dan Lingkungan Tanggung Jawab Sosial dan Lingkungan

UKM Usaha Kecil dan Menengah Usaha Kecil dan Menengah

UMKM Usaha Mikro, Kecil dan Menengah Usaha Mikro, Kecil dan Menengah

WWF World Wide Fund for Nature World Wide Fund for Nature

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Mohon pilih jawaban yang paling sesuai Please choose the most appropriate answer

1. Laporan ini bermanfaat bagi Anda This report is useful to you

Sangat SetujuStrongly Disagree

SetujuAgree

NetralNeutral

Tidak SetujuDisagree

Sangat Tidak SetujuStrongly Disagree

2. Laporan ini sudah mengambarkan kinerja Perusahaan dalam pembangunan berkelanjutanThis report describe Company’s performance in sustainability development


SetujuAgree

NetralNeutral



3. Laporan ini mudah dimengerti This report is easy to understand


SetujuAgree

NetralNeutral



Penilaian terhadap kegiatan manajemen keberlanjutan PT Bank BRISyariahAssessment to the sustainability activities of PT Bank BRISyariah

1. Aspek material apa yang paling penting bagi anda? (Mohon berikan nilai 1=paling penting, hingga 5=paling kurang penting) Which aspect material is the most important to You? (Please give score 1= the most imporant, to 5=the least important)

• Kinerja Keuangan Financial Performance (...)

• Portfolio Produk dan Kualitas Penjaminan Product Portfolio and Loan Quality (...)

• Teknologi Modern Modern Technology (...)

• Pendidikan Syariah dan Inklusi Keuangan Sharia Education and Financial Inclusion (...)

• Ketenagakerjaan Employment (...)

• Anti Korupsi Anti Corruption (...)

• Perlindungan Informasi Nasabah Customer Information Protection (...)

• Pengaruh Ekonomi Tidak Langsung Indirect Economy Impact (...)

2. Mohon berikan saran/usul/komentar anda atas laporan ini: Please provide suggestion or comment on this report:

...........................................................................................................................................................................................................................................

...........................................................................................................................................................................................................................................

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PT Bank BRISyariahRisk Management Group:Ino SutrisnoKantor Pusat | Head OfficeJl. Abdul Muis No.2-4Jakarta 10160, IndonesiaPhone : +62 21 52962351Fax : +62 21 52962348Email : [email protected]

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87





ic Growth


DAN MASYARAKAT


BERKELANJUTANM


Managing Hum


ent andCom

munity

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Laporan KeberlanjutanSustainability Report2016

PT Bank BRISyariahKantor Pusat | Head OfficeJl. Abdul Muis No. 2-4 Jakarta Pusat 10160, Indonesia

Phone : +62 21 52962351Faks : +62 21 52962348

Dasar Keberlanjutan Sustainability Foundation

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Transcript of Dasar Keberlanjutan Sustainability Foundation