Sustainability

The Company is committed to implementing good corporate governance as the foundation for executing its sustainability strategy. Implementation is carried out in an integrated manner by strengthening internal policies, ensuring regulatory compliance, and maintaining transparent reporting mechanisms to guarantee accountability to all stakeholders.

Implementation of Sustainability Governance
The Company integrates governance principles into all strategic policies, including underwriting, investment, and risk management. Governance is strengthened through the active role of the Board of Commissioners and relevant committees in ensuring oversight and strategic direction that align with sustainability principles.

Integrated Risk Management
The Company implements comprehensive risk management by identifying and assessing ESG risks across all business lines. Mitigation mechanisms are executed through diversification policies, exposure limits, and the strengthening of internal controls and escalation procedures to maintain long-term operational resilience.

Compliance and Transparency
The Company ensures compliance with regulatory requirements—including those of the Financial Services Authority (OJK)—and prepares periodic sustainability reports to demonstrate transparency and performance accountability. This reflects the Company's commitment to responsible operations.

Performance Measurement and Evaluation
The Company establishes both quantitative and qualitative sustainability performance indicators to continuously monitor governance aspects. Evaluations are conducted periodically to ensure effective implementation and drive continuous improvement.

The Company is committed to creating sustainable social impact through human resource development, the implementation of fair labor practices, and community empowerment. These initiatives are executed in an integrated manner to deliver added value to stakeholders while supporting the achievement of the Sustainable Development Goals (SDGs).

Human Resource Development
The Company consistently enhances the quality of its human resources through various training and competency development programs. Throughout 2025, 248 employees participated in training, averaging 33.99 training hours per employee annually, as part of efforts to strengthen organizational capabilities and competitiveness.

Fair Labor Practices
The Company applies inclusive and equitable labor principles by ensuring the absence of forced labor or child labor and by providing competitive remuneration above minimum standards. This commitment is also reflected in increased female workforce participation, which reached 46% of the total 277 employees.

Empowerment and Social Responsibility (TJSL)
The Company actively implements Social and Environmental Responsibility (TJSL) programs focused on improving community welfare. Throughout 2025, the Company disbursed IDR 1.604 billion in TJSL funds and supported 58 MSME partners, representing a tangible contribution to community economic empowerment.

Sustainability Culture and Employee Engagement
The Company fosters a culture of sustainability through various ESG education initiatives, including awareness sessions, webinars, and internal forums. This initiative aims to enhance
employee awareness and engagement in supporting the comprehensive implementation of ESG within the workplace.

The Company is committed to maintaining environmental sustainability through the adoption of responsible, long-term-oriented operational practices. These efforts are realized through efficient resource management, carbon emission reductions, and the development of eco-friendly initiatives that support the transition to a low-carbon economy and the achievement of the Company's sustainability targets.

Paper Usage Management
The Company consistently encourages the reduction of paper usage through the digitalization of business processes and the implementation of paperless policies. In 2025, paper consumption was recorded at 370 reams, reflecting ongoing efforts to enhance operational efficiency while minimizing environmental impact.


 

Fuel Usage Efficiency
The Company optimizes fuel usage through efficient operational management and a transition toward more environmentally friendly energy. In 2025, fuel consumption was recorded at 29,247 liters, with estimated emissions of 67.56 tonnes of CO2e, as part of efforts to sustainably reduce its carbon footprint.

Water Usage Efficiency
The Company manages water usage responsibly by controlling consumption across all operational activities. Throughout 2025, total water consumption was recorded at 13,480 m³, reflecting the Company's commitment to maintaining water resource efficiency and sustainability.