BTN Policy Architecture

To achieve sustainable development that ensures economic stability and promotes inclusivity by emphasizing the harmony between economic, social, and environmental aspects, all activities and processes carried out prioritize Environmental, Social, and Governance (ESG) concept.

Therefore, the Bank has updated and aligned 76 internal policies to integrate ESG components into its operational processes. These policies consist of General Policies, Specific Policies, and Technical Guidelines (standard operating procedure) which include:

• Credit/Financing

• Procedures for Implementing Credit Line Facilities

• Human Capital

• Management of Subsidiaries and Sharia Business Units

• IT, Data Management, and Digitalization

• Legal, Compliance, AML-CFT, and Fraud Prevention as well as Corporate Governance

• Internal Control Systems

• Risk Management

• Operations and Other Functions

• ESG (Environmental, Social, and Governance)