With the spirit of 'Kejar Mimpi', CIMB Niaga strives to invoke an emotional approach to customers and connects with them across different life stages to better understand their dreams. Selection for the Khazanah Asia 2017 program and 15 representatives of CIMB Niaga have received the Khazanah Asia scholarship.
July
August
September
October
November
Community Economic Enhancement Category, Especially Young Entrepreneurs - BUTIK Program (Outstanding Creative Industry Technology Scholarship) Latofi School of Corporate Social Responsibility. Best Performance in Warta Ekonomi PR Indonesia Awards 2017 Custodian Bank Category, Media Relations Category, Private National Company Sub-Category Tbk PR Indonesia Magazine.
Indonesia Best Banking Brand Award 2016
Indonesia Best Corporate
Islamic Finance Award (KARIM Award 2017) Most Expanded Sharia Unit Asset Funding > 1.5T Karim Consulting Indonesia Social.
Indonesia Prestige Brand Award
Corporate Image Award 2017
Global Finance Best Trade Finance Providers
The challenging 2017 economic, social and environmental dimension, does not stop CIMB
CIMB Niaga's contribution to the achievement of the Sustainable Development Goals (SDGs) is discussed in detail in this Sustainability Report. Another effort, no less important, is CIMB Niaga's role in climate change, considering its potential to harm biodiversity, the bamboo conservation program.
PROJECTION
In addition, CIMB Niaga provides the Environmental Complaint Mechanism that allows customers and employees to file a complaint regarding environmental issues related to the company's business activities. CIMB Niaga's bamboo conservation program thus not only restores the land's critical function, but also improves air quality by absorbing CO2, one of the greenhouse gases that cause global warming.
CLOSING
SUCCESSFUL PEOPLE NEVER WAIT FOR OPPORTUNITY,
THEY SIMPLY CREATE IT
In this report, we convey information related to the impact of the company's operational activities on the environmental, social and economic dimensions in accordance with sustainable management practices. The last report was published in 2016, while the 2017 Sustainability Report was published in March 2018. There is no change in the report period, date, cycle and contact since the last report.
GUIDELINES AND REPORTING STANDARD
In addition, activities and the implementation of social responsibility in connection with business and operations also become part of the report. 40/2007 on limited liability companies and also the regulation of the Financial Services Authority (OJK) with the decree of the president of Bapepam-LK: Kep-431/bl/2012 of August 1, 2012 on the submission of the annual report of companies that require the presentation of a report on social responsibility companies (CSR) in the annual report or in a separate report such as the sustainability report.
REPORTING BOUNDARIES AND PERIOD
REPORTING CONTENT DEFINITIONS [GRI 102-46, GRI 102-47]
THE PROCESS OF DETERMINING THE MATERIAL AND REPORT BOUNDARIES IS AS FOLLOWING
STAKEHOLDER ENGAGEMENT IN THE REPORT
Stakeholders are those who are affected or influence the company's operations from a business, financial, operational, environmental and social point of view. To inform about the company's plans and achievements in accordance with applicable rules and regulations.
ASPECTS, BOUNDARIES, AND MATERIALITY LEVEL
Labor agreement To maintain relations with trade unions. formal and informal) – Employee rights – Remuneration and.
INDEPENDENT ASSURANCE [GRI 102-56]
Strength in retail banking, micro, small and medium enterprises (MSME), corporate and payment services are the banking services offered by CIMB Niaga. CIMB Niaga has 557 offices, comprising 490 branches, 47 cash office units and payment points (including 22 digital salons), 20 cash vehicles and 3,865 ATMs.
3 Critical Behaviors [GRI 102-16]
We exist to serve our customers and sell products and services that our customers understand and value. We respect different cultures, value different perspectives and recognize diversity as a source of strength.
THE FREEDOM TO CHOOSE
CIMB Niaga demonstrates its commitment to implementing good governance through the principle of non-compliance. CIMB Niaga implements GCG which followed with a spirit of sincere service, consistent and transparent to provide added value and enhance stakeholder confidence in the bank's efforts to drive business strategies.
CIMB Niaga’s commitment to the application of good governance based
Indeed, good corporate governance (GCG) transforms CIMB Niaga into a more professional, more competitive company, thus offering the best value to its shareholders and stakeholders.
GENERAL MEETING OF SHAREHOLDERS
BOARD OF COMMISSIONERS
At least 1 (one) member of the Board of Commissioners must be resident in Indonesia, CIMB Niaga has 4 (four) members of the Board of Commissioners resident in Indonesia. 4 (four) out of 8 (eight) persons or 50% (fifty percent) of members of the Board of Commissioners are Indonesian citizens.
SHARIA SUPERVISORY BOARD
To support the effectiveness of the implementation of its duties and responsibilities, the Board of Commissioners has established committees at the Board of Commissioners level, namely:.
BOARD OF DIRECTORS
All members of the Board of Directors of CIMB Niaga have passed the Fit and Proper Test. Effectively appointed as a member of the Board of Directors since the closing of the EGM on August 24, 2017.
Age of BOD
In addition to the aforementioned mandatory Executive Committees, the Board of Directors is also authorized to establish special Committees as required by the Company. Diversity of CIMB Niaga's Board of Commissioners and Board of Directors as of 31 December 2017.
Age of BOC
Citizenship of BOD
Citizenship of BOC
Expertise of BOC and BOD
Independency of BOC
SELF-ASSESSMENT RESULT ON THE IMPLEMENTATION OF GCG IN 2017
PREVENTION APPROACHES AND PRINCIPLES
In 2017, CIMB Niaga continuously held anti-fraud trainings for CIMB individuals to improve their skills and knowledge in fraud prevention. Specific anti-fraud training programs in CIMB Niaga, thoroughly conducted targeting participants based on historical data fraud (risk base area).
WHISTLEBLOWING SYSTEM (WBS)
Anti-fraud communication in CIMB Niaga in 2017 is made to all Insan CIMB Niaga on an ongoing basis through various internal media including posters, LED banners, website, email blast, desktop wallpaper and internal bulletin. In turn, employees and other parties became more willing to report fraud or allegations of fraud, contributing to Good Corporate Governance in CIMB Niaga.
ETHICS AND INTEGRITY [GRI 102-16]
If a report is by a whistleblower who has disclosed their identity, the case manager may contact the whistleblower confidentially to request additional information if deemed necessary. the truth of the report. Whistleblower officers are required to deal with reports of wrongdoing. From time to time, whistleblower officers must submit results of violation reports to the President Director and the Risk Management Director, plus copies of such results to the Compliance Director and the Human Resources Director. Whistleblowers' identities are kept confidential during the handling and monitoring process.
INTERNATIONAL INITIATIVES AND ORGANIZATIONAL MEMBERSHIPS
Of the reports, 18 cases, compared to 3 last year, were further investigated. The increased number of reports reflected the success of promoting the whistleblowing program in various media outlets. However, the spirit of the formation of external initiatives in all three dimensions has been applied in the operational activities of the Bank.
GOODS AND SERVICES PROCUREMENT PRACTICES
IN YOUTH WE LEARN ABOUT LIFE, IN AGE WE UNDERSTAND
As providers of financial services, banks play an important role in financing and opening access to financial services. Financial services improve business performance, help companies grow, sustain themselves and create employment opportunities.
Financial institutions and banking, in their capacity as financial intermediaries,
CIMB Niaga plays an important role in the lives of more than five million customers through our support in their financial activities.
ECONOMIC VALUE GENERATED AND DISTRIBUTED [GRI 201-1]
The table above shows that customers have contributed greatly to CIMB Niaga's economic growth over the past 3 (three) years. In this case, the long-term value we seek is sustainable loan growth across CIMB Niaga's core customer segments.
Composition of Loan by Economic Sector (%)
The economic benefits distributed through all expenditures are aimed at enhancing the welfare of the company's stakeholders, including fulfilling all of CIMB Niaga's responsibilities as a business entity. CIMB Niaga has also issued a social investment (CSR fund) for the community of Rp for various social programs.
Composition of Loan by Distribution Region (%)
CIMB Niaga also focuses on disbursing loans for corporate groups ranging from micro and small medium enterprises to corporations. As evidenced by corporate expenses (administrative and promotion) of Rp 3.6 trillion in 2017 and employee benefits expenses increased by 8.3% to Rp 3.9 trillion in 2017; followed by tax payments to the government increased by 53.1% to Rp 1.2 trillion in 2017.
Credit Based on Segment (%)
CONTRIBUTING THROUGH FINANCIAL SERVICES
INDIRECT ECONOMIC VALUE [GRI 203-1]
INCLUSIVE FINANCIAL SERVICES [GRI 203-2]
FOCUS ON MICRO, SMALL, AND MEDIUM ENTERPRISES (UMKM)
Loans
Third-Party Funds
Micro Linkage or subsidiary loans is a service in which CIMB Niaga channels loans through Village Cooperative Units, nuclear plasma farms, regional development banks (BPD), rural banks (BPR) and other financial institutions. The distribution of CIMB Niaga's pension loan is supported by micro-branches to reach pensioners in remote villages and low-income communities.
DIGITAL FINANCIAL SERVICES [GRI 203-2]
CIMB Niaga's participation in the BI pilot project has made CIMB Niaga the first bank in Indonesia to enable remittances from Indonesian migrant workers in Malaysia to all mobile phone numbers of recipients in Indonesia. With the advantages of CIMB Group's infrastructure network in ASEAN, it is easier for TKI to send money through a SpeedSend remittance service to their family's CIMB Niaga Rekening Ponsel in Indonesia.
Customer Growth
GO MOBILE
THE MOST IMPORTANT
INGREDIENTS FOR SUCCESS ARE ENERGY, PASSION, AND
CIMB NIAGA PEDULI
The commitment to provide the greatest benefit of CIMB Niaga’s presence to the
Increased social and economic
ISO 26000 clause 4 states that an organization must take into account the following principles as guidance in the implementation of CSR policy and practice: accountability, transparency, ethical behaviour, respect for the interests of stakeholders, respect for the rule of law, respect for international norms of conduct and respect. MISSION "CIMB Niaga Peduli brings the spirit to grow and develop, from the community, with the community and for the community".
The Achievement of Social Impacts in 2017
Environment Tour de Bank
Philanthropy and Donation
STRATEGY AND ACHIEVEMENT OF CSR
EDUCATION PILLAR
Since 2010, Khazanah Asia Foundation in partnership with CIMB Niaga has awarded the scholarship to Indonesians who wish to pursue a master's degree in Malaysia. CIMB Niaga in partnership with Koperasi Kasih Indonesia gives the scholarship to the children of cooperatives.
Leader’s Night at the Museum
With this visit, CIMB Niaga once again refreshed the scholarship program policy, especially the post-graduation program. Throughout 2017, recipient BU Guru CIMB Niaga implemented a financial literacy program aimed at educating the public on the importance of financial literacy early and making the banking financial services industry a safe and comfortable place to conduct financial transactions.
Active Participation of Scholarship Recipients
Internship Program
As a form of implementation of the regulation, CIMB Niaga operates Si MObil LitErasi Keuangan (SiMOLEK). CIMB Niaga in collaboration with the Indonesian Applied Financial Planning Institute (IAFPI) is organizing a CFP.
Education for Empowerment
On October 8, 2017, as a series of bamboo planting programs and in support of OJK Financial Inclusion Month activities, CIMB Niaga held a family financial planning seminar for bamboo farmers and housewives in Wogo Village, NTT, which was attended by 30 bamboo farmers. The family financial planning material presented includes an explanation of the importance of setting aside money for various purposes of household needs, education, investment, entertainment, emergency needs, and so on.
Provision of Educational Support Facilities
PILLAR OF COMMUNITY DEVELOPMENT AND EMPOWERMENT
Community Link
Disability Empowerment Program
Car Learning CIMB Niaga is a training program in the form of laboratory computer services. The provision of lactation space in the office area of CIMB Niaga is also a form of implementation of Government Ordinance No.
ENVIRONMENT PILLAR
2017 CSR AWARDS
CSR 2017 FUNDING
2018 CSR Strategy and Plan
Education
Community Development and Empowerment
Philanthrophy
Environment
LIVE THE LIFE OF YOUR DREAMS AND ENJOY THE
Green Banking (environmentally friendly banking) is a policy that requires financial institutions, especially banking, to always prioritize sustainability in the management of their business. For environmentally friendly operations, CIMB Niaga has designed a number of environmentally friendly programs both internally and externally.
Green Banking (environmentally friendly bank) is a policy that requires financial
This policy is part of the effort to create a Green Economy which looks at economic development in a balanced way that takes into account social, economic and planetary aspects. CIMB Niaga implements the Green Banking concept inter alia through the distribution of environmentally friendly credit and the practice of environmentally friendly operational activities.
This is a form of contribution from the banking sector to support the government's commitment to improve Indonesia's position as the lungs of the world through practices in reducing greenhouse gas emissions.
Industry in the future by applying Green Banking concept among others
PLANNING AND TARGETS
INTERNAL PROGRAMS Green Office Program
This policy confirms that the use of fuel, electricity and paper must be significantly reduced in operations. Some energy and water efficiency efforts at CIMB Niaga also affect the company's consumption of the two respective energy types.
SAVING MONEY AND SOWING
ENVIRONMENTAL PERFORMANCE ACHIEVEMENT AWARD 2017
This piece of handwoven cloth with unusual ornaments on it is more than just a dress. It is a symbol that reflects the way the people live, their beliefs and philosophy since ancient times.
FAMILY IS WHERE LIFE BEGINS AND LOVE LASTS FOREVER
PRODUCTS AND CUSTOMER
CUSTOMER’S SATISFACTION ON PRODUCTS
CIMB Niaga is committed to maintaining the Bank’s performance to continue to
CUSTOMER CONFIDENTIALITY
CUSTOMER COMPLAINTS MANAGEMENT
CIMB NIAGA CUSTOMER COMPLAINT PERFORMANCE
ACHIEVEMENTS OF PRODUCT PERFORMANCE AND CUSTOMER SERVICE PERFORMANCE
CIMB Niaga has launched a savings product for teenagers, called Indie Account, at the Labsproject 2017 cultural performance event at Labschool High School Jakarta, 13 May 2017. Attended by high school students, the event was a perfect moment to introduced a new savings product for those aged between 12 and 17 years.
INDIE
ACCOUNT
A FAMILY FULL OF LOVE
EMPLOYMENT
Trust and service as main foundations of the Bank’s business require human
EMPLOYEE TURNOVER
Meanwhile, fulfillment of talent is done externally through various methods such as campus recruitment, job portal, social media, job fairs, development of external talent mapping, provision of external scholarship program, collaboration with leading universities and graduate development program through which the company recruited 503 young talents in 2017.
RECRUITMENT [GRI 401-1]
VOLUNTARY ATTRITION [GRI 401-1]
HUMAN RESOURCE MANAGEMENT STRATEGY
Sustainable Process Improvement across all HR Pillars and Organizational Effectiveness
Continuous process improvement is the key to making CIMB Niaga relevant and agile to dynamic market changes.
Implementation of Corporate Core Values and Nurturing Risk & Compliance Culture
INDUSTRIAL RELATIONS
TRAINING AND DEVELOPMENT PROGRAM
PENSION SUPPORT
HUMAN RIGHTS ENFORCEMENT
Resisting Against Child Labor and Forced Labor
Equality and Diversity
Since 2013, CIMB Niaga has engaged people with disabilities to work as Telesales and Phone Banking associates. Currently, there are 58 people with disabilities working as Telesales and Phone Banking employees, an increase of 7 people from 2016.
GRI Standards in Accordance Check Statement (NCSR)
ASEAN Governance Scorecard is a measure or measurement parameter of Corporate Governance agreed by ACMF (ASEAN Capital Market Forum), the association of the ASEAN capital market authority. ASEAN Corporate Governance Scorecard is made based on OECD principles and is expected to promote investor confidence for the companies listed in ASEAN.
