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Select an assessment year:

  • Overall approach
    5/16
    • Overarching commitment on deforestation
      4/14
      Deforestation commitment
      Understanding of the risks
      4/14
      "Environment Preservation Program The major problem encountered in the preservation of forest resources is forest and soil degradation caused by illegal logging activities and excessive forest exploitation, as well as deforestation undertaken in the interest of economic development. These, in turn, may result in floods, droughts, and landslides, as well as directly contributing to the effect of global warming."
    • Company must have anti-corruption policy
      1/2
      Anti-corruption
      Anti-corruption policy
      1/2
      “For BNI, customer trust and ethical business practices are also realized through its anticorruption and anti-fraud commitments. The Compliance Division as manager of the Anti-Corruption and Anti-Fraud strategies has issued the Company Guidelines on Gratification Control under Instruction No. IN/686/KPN/002 dated December 14, 2018 and Anti-Fraud Strategy under Instruction No. IN/342/KPN/002 dated July 1, 2017”[...]“Added the integrity article (corruption clause) to the BNI cooperation agreement with third parties (PKS & PK) as one of the decisions of the AntiFraud Committee (KAF).”
  • Commodity score
    14/64
    • Beef & Leather
      4/64
      • Commitment Strength
        4/42
        • Commodity-specific financing policy
          0/9.6
          • Commitment details
            No
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must be legally operated
          3.6/5.6
          • Commitment details
            Own operations - Require
            2/4
            Commitment details
            Own operations - Require
            2/4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
        • Companies must protect priority forests or globally important landscapes
          0/9.6
          • Commitment details
            No
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Assurance mechanism to ensure compliance
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Commitments must be timebound
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        0/22
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
    • Palm oil
      31/64
      • Commitment Strength
        31/42
        • Commodity-specific financing policy
          9.4/9.6
          • Commitment details
            Yes
            8/8
            Commitment details
            Yes
            8/8
            Type of policy: Sustainable/Responsible
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
        • Companies must be legally operated
          3.6/5.6
          • Commitment details
            Own operations - Require
            2/4
            Commitment details
            Own operations - Require
            2/4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
        • Companies must protect priority forests or globally important landscapes
          7.4/9.6
          • Commitment details
            Primary/Intact/Natural/HCV/HCS - Required
            6/8
            Commitment details
            Primary/Intact/Natural/HCV/HCS - Required
            6/8
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
        • Assurance mechanism to ensure compliance
          5.4/5.6
          • Commitment details
            Require
            4/4
            Commitment details
            Require
            4/4
            Certification scheme (if applicable): RSPO

            Verification method: Certification Scheme
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            RSPO includes HCV and Peatlands etc - "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations."
        • Companies must have a grievance mechanism
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Commitments must be timebound
          5.4/5.6
          • Commitment details
            Require
            4/4
            Commitment details
            Require
            4/4
            Type of policy: Compliance is prerequisite for financing
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations"
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations"
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations"
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations"
          • Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors
            0.2/0.4
            "To ensure financing for sustainable palm oil debtors, BNI requires all corporate palm oil debtors to have registered or certified under the Roundtable Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO). Due regard is also given to the issue of deforestation, the potential for overlapping with surrounding community lands or conservation areas, as well as the possibility of legal infringements by debtors. If violations are found, BNI will verify with related parties so as to minimize credit provision to debtors who do not comply with applicable regulations"
      • Social Considerations
        0/22
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
    • Soy
      4/64
      • Commitment Strength
        4/42
        • Commodity-specific financing policy
          0/9.6
          • Commitment details
            No
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must be legally operated
          3.6/5.6
          • Commitment details
            Own operations - Require
            2/4
            Commitment details
            Own operations - Require
            2/4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
        • Companies must protect priority forests or globally important landscapes
          0/9.6
          • Commitment details
            No
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Assurance mechanism to ensure compliance
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Commitments must be timebound
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
      • Social Considerations
        0/22
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
    • Timber, Pulp & Paper
      18/64
      • Commitment Strength
        18/42
        • Commodity-specific financing policy
          9.3/9.6
          • Commitment details
            Yes
            8/8
            Commitment details
            Yes
            8/8
            Type of policy: Sustainable/Responsible
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
          • Policy applies to all stages of the supply chain
            Traders
            0.1/0.4
            Policy applies to all stages of the supply chain
            Traders
            0.1/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
        • Companies must be legally operated
          3.6/5.6
          • Commitment details
            Own operations - Require
            2/4
            Commitment details
            Own operations - Require
            2/4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Following are the provisions for debtors/ prospective debtors along with PROPER ratings: 1. As per Minister of Environment Regulation No. 5 of 2011 concerning PROPER, debtors with black rating are referred to law enforcement agencies while those with red rating are referred for instruction in improving their environmental performance. [...] Legal requirement for the debtor’s business to have an Environmental Impact Analysis (AMDAL) permit 2. Performance requirement of the Corporate Performance Rating Program (PROPER) from the Ministry of Environment and Forestry (KLHK). BNI will not provide credit to business owners having Red or Black PROPER ratings without having conducted preventative actions "
        • Companies must protect priority forests or globally important landscapes
          0/9.6
          • Commitment details
            No
            0/8
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Assurance mechanism to ensure compliance
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must have a grievance mechanism
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Commitments must be timebound
          5.3/5.6
          • Commitment details
            Require
            4/4
            Commitment details
            Require
            4/4
            Type of policy: Compliance is prerequisite for financing
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
          • Policy applies to all stages of the supply chain
            Traders
            0.1/0.4
            Policy applies to all stages of the supply chain
            Traders
            0.1/0.4
            "BNI is committed not to finance businesses whose processes do not adhere to environmental, social and governance standards, along with sectors prohibited by the Government. [...] Debtors of the export-oriented furniture industry must adhere to eco-labelling and Timber Legality Verification System (SVLK) requirements"
      • Social Considerations
        0/22
        • Company must ensure Free, Prior and Informed Consent
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Company must address gender equality issues
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
        • Companies must encourage the inclusion of small-scale farmers
          0/5.6
          • Commitment details
            No
            0/4
          • Policy applies to all operations and financing
            No
            0/0.4
          • Policy applies to all deals
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • Policy applies to all stages of the supply chain
            None
            0/0.4
  • Reporting & Implementation
    10/20
    • Policy is reviewed and updated
      0/5
    • Companies must disclose subsidiaries in commodity supply chains
      0/5
    • Monitoring and non-compliance process
      5/5
      Monitoring compliance
      Yes - Screening and monitoring process
      5/5
      "Throughout the year, BNI conducted audits against debtors whose business areas generally produce adverse effects on the environment. The audits were carried out against 122 mid-segment debtors including those in the processing and extractive industries such as mining, palm oil mills and metal processing. The audit outcomes were then used to determine the fulfillment of the ESG criteria as a basis of credit provision. "
    • Reporting on implementation of the policy
      5/5
      Reporting
      Yes - Annually
      5/5
      Type of Reporting: Annual report, number of companies RSPO certified

      Numbers: 58
      the FI reports annually the number of companies invested which are RSPO certified - "In 2019, BNI financed 58 ISPO and RSPO certified palm oil debtors, representing an increase of 41.4% over the previous year. The maximum loan provided was Rp35,159 billion."
  • Commitment strength
    14/42
    Avg. score
  • Social considerations
    0/22
    Avg. score

Profile

Bank Negara Indonesia (BNI) are an Indonesian state-owned bank offering services to private and commercial clients. Their services include corporate finance, pensions, international trading and retail banking services. As of 2017, BNI's total assets amount to more than 600 trillion IDR with more than 400 trillion IDR worth of loans. BNI are a top financier in Indonesia, an important forest jurisdiction in terms of tropical forest cover and agricultural commodity production and trading.

HQ
HQ 
Indonesia
Financial institution type
Financial institution type 
Bank

How we assess the Forest 500

Investors and lenders need to adopt and implement strong deforestation policies that ensure their investments are not funding the destruction of forests.

All assessments use policies published on financial institution websites, some links may have changed or been removed since the time of assessment.

Disclaimer

This assessment has been carried out following the methodology developed for the Forest 500 project, available here. Please see our disclaimer applicable to all information contained within this site and our terms and conditions for use of data presented on this site.

All assessments use policies published on company and financial institution websites, and while we endeavor to keep them updated some links may have changed or been removed since the time of assessment.

Please contact us with any concerns or feedback about this or other assessments included in the Forest 500.