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Select an assessment year:

  • Overall approach
    1/10
    • Overarching commitment on deforestation
      0/6
    • Deforestation as a business risk
      0/2
    • Target to reduce emissions in scope 1/2
    • Company must have anti-corruption policy
      1/2
      Yes, either an anti-corruption policy or a policy on prohibiting abusive tax arrangements
      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
    10/90
    • Beef & Leather
      3/90
      • Commitment Strength
        3/31
        • Commodity-specific deforestation financing policy
          0/9.6
          • Commitment details
            No commitment
            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
          3.1/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "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 financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            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 financing
            0.4/0.4
            Policy applies to all deals
            All financing
            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 financing
            0.4/0.4
            Policy applies to all companies
            All financing
            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 monitor operations
          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 conduct risk assessments
          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 specify a cut-off date
          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
        0/27
        • 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
        • 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
        • 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
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • 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 and Implementation
        0/31
        • Commitments must be timebound
          No
          0/5
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
    • Palm oil
      25/90
      • Commitment Strength
        14/31
        • Commodity-specific deforestation financing policy
          5.4/9.6
          • Commitment details
            Certification
            4/8
            Commitment details
            Certification
            4/8
            "In addition, companies must have the Indonesian Sustainable Palm Oil (ISPO) and RoundtableSustainable Palm Oil (RSPO) certificates. Through the ISPO and RSPO requirements, BNI indirectly encourages palm oil debtors to pay more attention to social and environmental aspects in their business processes."
          • Policy applies to all operations and financing
            All financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            0.4/0.4
            "In addition, companies must have the Indonesian Sustainable Palm Oil (ISPO) and RoundtableSustainable Palm Oil (RSPO) certificates. Through the ISPO and RSPO requirements, BNI indirectly encourages palm oil debtors to pay more attention to social and environmental aspects in their business processes."
          • Policy applies to all deals
            All financing
            0.4/0.4
            Policy applies to all deals
            All financing
            0.4/0.4
            "In addition, companies must have the Indonesian Sustainable Palm Oil (ISPO) and RoundtableSustainable Palm Oil (RSPO) certificates. Through the ISPO and RSPO requirements, BNI indirectly encourages palm oil debtors to pay more attention to social and environmental aspects in their business processes."
          • Policy applies to all companies
            All financing
            0.4/0.4
            Policy applies to all companies
            All financing
            0.4/0.4
            "In addition, companies must have the Indonesian Sustainable Palm Oil (ISPO) and RoundtableSustainable Palm Oil (RSPO) certificates. Through the ISPO and RSPO requirements, BNI indirectly encourages palm oil debtors to pay more attention to social and environmental aspects in their business processes."
          • 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
            "In addition, companies must have the Indonesian Sustainable Palm Oil (ISPO) and RoundtableSustainable Palm Oil (RSPO) certificates. Through the ISPO and RSPO requirements, BNI indirectly encourages palm oil debtors to pay more attention to social and environmental aspects in their business processes."
        • Companies must be legally operated
          3.1/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "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 financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            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 financing
            0.4/0.4
            Policy applies to all deals
            All financing
            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 financing
            0.4/0.4
            Policy applies to all companies
            All financing
            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 monitor operations
          5.4/5.6
          • Commitment details
            Required
            4/4
            Commitment details
            Required
            4/4
            Certification scheme (if applicable): RSPO

            Type of policy: Assurance mechanism
            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 financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            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 financing
            0.4/0.4
            Policy applies to all deals
            All financing
            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 financing
            0.4/0.4
            Policy applies to all companies
            All financing
            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 conduct risk assessments
          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 specify a cut-off date
          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
        0/27
        • 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
        • 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
        • 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
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • 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 and Implementation
        12/31
        • Commitments must be timebound
          Required
          5/5
          Commitments must be timebound
          Required
          5/5
          "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 disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          Screening and monitoring process
          5/5
          Monitoring and non-compliance process
          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. "
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          Reports number/proportion of portfolio companies covered by the deforestation policy
          2/6
          Reporting on implementation of the policy
          Reports number/proportion of portfolio companies covered by the deforestation policy
          2/6
          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."
        • Ethical product in portfolio
          No
    • Soy
      3/90
      • Commitment Strength
        3/31
        • Commodity-specific deforestation financing policy
          0/9.6
          • Commitment details
            No commitment
            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
          3.1/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "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 financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            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 financing
            0.4/0.4
            Policy applies to all deals
            All financing
            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 financing
            0.4/0.4
            Policy applies to all companies
            All financing
            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 monitor operations
          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 conduct risk assessments
          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 specify a cut-off date
          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
        0/27
        • 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
        • 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
        • 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
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • 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 and Implementation
        0/31
        • Commitments must be timebound
          No
          0/5
        • Companies must disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
    • Timber, Pulp & Paper
      10/90
      • Commitment Strength
        5/31
        • Commodity-specific deforestation financing policy
          2.1/9.6
          • Commitment details
            Sustainability commitment
            2/8
            Commitment details
            Sustainability commitment
            2/8
            "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
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "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
            No
            0/0.4
          • Policy applies to all companies
            No
            0/0.4
          • 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
          3.1/4.6
          • Commitment details
            Companies own operations - Required
            1.5/3
            Commitment details
            Companies own operations - Required
            1.5/3
            "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 financing
            0.4/0.4
            Policy applies to all operations and financing
            All financing
            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 financing
            0.4/0.4
            Policy applies to all deals
            All financing
            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 financing
            0.4/0.4
            Policy applies to all companies
            All financing
            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 monitor operations
          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 conduct risk assessments
          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 specify a cut-off date
          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
        0/27
        • 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
        • 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
        • 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
        • Companies must resolve land conflicts
          0/1.6
          • Commitment details
            No
          • 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 and Implementation
        5/31
        • Commitments must be timebound
          Required
          5/5
          Commitments must be timebound
          Required
          5/5
          "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 disclose subsidiaries in commodity supply chains
          No
          0/4
        • Companies must disclose locations
          No
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant companies
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Ethical product in portfolio
          No
  • Commitment strength
    6/31
    Avg. score
  • Reporting and Implementation
    4/31
    Avg. score
  • Social considerations
    0/28
    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.