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Implementation of Business Ethics and Conduct Policy

BTN is committed to ensuring a consistent implementation of business ethics and conduct, one of which is through supervision carried out by the Internal Audit Unit. This supervision is conducted periodically through audits of Branch Offices, Regional Offices, and Divisions, aiming to provide reasonable assurance regarding the implementation of governance, risk management, and internal control. By conducting periodic audits, violations of business ethics and conduct can be promptly identified and effectively resolved.

The Internal Audit Unit performs this supervisory function through three types of audits, which include:


  • General Audit, consisting of:

    1. Operational Audits of office networks (Branch Offices, Sharia Branch Offices, and Regional Offices).
    2. Thematic Audits, conducted based on specific themes, such as Credit Management, Third-Party Fundraising, Human Capital, Procurement of Goods and/or Services, Treasury, and Environmental, Social, and Governance (ESG).
    3. Mandatory Audits, conducted in accordance with regulatory requirements.

  • Information and Communication Technology (ICT) Audit, consisting of:

    1. Thematic Audits, conducted based on specific themes within the scope of ICT management, including Loan Origination Consumer applications, Cash Management System applications, and Cloud System Environment.
    2. Mandatory Audits, conducted in accordance with regulatory requirements..

  • Special Audits, carried out for suspected fraud cases or specific purposes.

    • Additionally, oversight of the implementation of ethical standards is conducted through audits on the implementation of ISO 37001:2016 Anti-Bribery Management System (SMAP) within the Procurement of Goods and/or Services Unit and the Commercial and SME Credit Unit.

    The evaluation of SMAP implementation at BTN adheres to the ISO 37001:2016 international ethical standards, with audits and assessments conducted annually by an independent party to ensure compliance and the effectiveness of the system. The scope of the ISO 37001:2016 assessment includes procurement of goods and/or services, commercial and SME credit segments, and their supporting units.