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  • Overall approach
    4/16
    • Overarching commitment on deforestation
      4/16
      Deforestation commitment
      Understanding of the risks
      4/16
      "[we] encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
  • Commodity score
    32/64
    • Beef & Leather
      32/64
      • Commitment Strength
        28/42
        • Commodity-specific financing policy
          9.4/9.6
          • Commitment details
            Yes
            8/8
            Commitment details
            Yes
            8/8
            Type of policy: Sustainable/Responsible
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • 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
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
        • Companies must be legally operated
          5.6/5.6
          • Commitment details
            Entire supply chain - Require
            4/4
            Commitment details
            Entire supply chain - Require
            4/4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • 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
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
        • Companies must protect priority forests or globally important landscapes
          9.6/9.6
          • Commitment details
            All high priority landscapes - Require
            8/8
            Commitment details
            All high priority landscapes - Require
            8/8
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • 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
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
        • Assurance mechanism to ensure compliance
          3.4/5.6
          • Commitment details
            Encourage
            2/4
            Commitment details
            Encourage
            2/4
            Certification scheme (if applicable): -
            Verification method: Certification Scheme
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • 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
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
        • 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
            No
            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
            No
            0/0.4
      • Social Considerations
        4/22
        • Company must ensure Free, Prior and Informed Consent
          3.6/5.6
          • Commitment details
            Yes - Encourage
            2/4
            Commitment details
            Yes - Encourage
            2/4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • 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
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
            Commitment details
            No
            0/4
            Type of policy: UNGP; UN Declaration for HR
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all deals
            No
            0/0.4
            Policy applies to all deals
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all companies
            No
            0/0.4
            Policy applies to all companies
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all stages of the supply chain
            No
            0/0.4
            Policy applies to all stages of the supply chain
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
        • 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
            No
            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
            No
            0/0.4
    • Palm oil
      32/64
      • Commitment Strength
        28/42
        • Commodity-specific financing policy
          9.4/9.6
          • Commitment details
            Yes
            8/8
            Commitment details
            Yes
            8/8
            Type of policy: Sustainable/Responsible
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • 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
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
        • Companies must be legally operated
          5.6/5.6
          • Commitment details
            Entire supply chain - Require
            4/4
            Commitment details
            Entire supply chain - Require
            4/4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • 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
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
        • Companies must protect priority forests or globally important landscapes
          9.6/9.6
          • Commitment details
            All high priority landscapes - Require
            8/8
            Commitment details
            All high priority landscapes - Require
            8/8
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • 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
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
        • Assurance mechanism to ensure compliance
          3.4/5.6
          • Commitment details
            Encourage
            2/4
            Commitment details
            Encourage
            2/4
            Certification scheme (if applicable): -
            Verification method: Certification Scheme
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • 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
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
        • 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
            No
            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
            No
            0/0.4
      • Social Considerations
        4/22
        • Company must ensure Free, Prior and Informed Consent
          3.6/5.6
          • Commitment details
            Yes - Encourage
            2/4
            Commitment details
            Yes - Encourage
            2/4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • 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
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
            Commitment details
            No
            0/4
            Type of policy: UNGP; UN Declaration for HR
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights". 
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights". 
          • Policy applies to all deals
            No
            0/0.4
            Policy applies to all deals
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights". 
          • Policy applies to all companies
            No
            0/0.4
            Policy applies to all companies
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights". 
          • Policy applies to all stages of the supply chain
            No
            0/0.4
            Policy applies to all stages of the supply chain
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights". 
        • 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
            No
            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
            No
            0/0.4
    • Soy
      32/64
      • Commitment Strength
        28/42
        • Commodity-specific financing policy
          9.4/9.6
          • Commitment details
            Yes
            8/8
            Commitment details
            Yes
            8/8
            Type of policy: Sustainable/Responsible
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • 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
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
        • Companies must be legally operated
          5.6/5.6
          • Commitment details
            Entire supply chain - Require
            4/4
            Commitment details
            Entire supply chain - Require
            4/4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • 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
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
        • Companies must protect priority forests or globally important landscapes
          9.6/9.6
          • Commitment details
            All high priority landscapes - Require
            8/8
            Commitment details
            All high priority landscapes - Require
            8/8
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • 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
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
        • Assurance mechanism to ensure compliance
          3.4/5.6
          • Commitment details
            Encourage
            2/4
            Commitment details
            Encourage
            2/4
            Verification method: Certification Scheme
            Certification scheme (if applicable): -
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • 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
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
        • 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
            No
            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
            No
            0/0.4
      • Social Considerations
        4/22
        • Company must ensure Free, Prior and Informed Consent
          3.6/5.6
          • Commitment details
            Yes - Encourage
            2/4
            Commitment details
            Yes - Encourage
            2/4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • 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
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
            Commitment details
            No
            0/4
            Type of policy: UNGP; UN Declaration for HR
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all deals
            No
            0/0.4
            Policy applies to all deals
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all companies
            No
            0/0.4
            Policy applies to all companies
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all stages of the supply chain
            No
            0/0.4
            Policy applies to all stages of the supply chain
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
        • 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
            No
            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
            No
            0/0.4
    • Timber, Pulp & Paper
      32/64
      • Commitment Strength
        28/42
        • Commodity-specific financing policy
          9.4/9.6
          • Commitment details
            Yes
            8/8
            Commitment details
            Yes
            8/8
            Type of policy: Sustainable/Responsible
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
          • 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
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody."
        • Companies must be legally operated
          5.6/5.6
          • Commitment details
            Entire supply chain - Require
            4/4
            Commitment details
            Entire supply chain - Require
            4/4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
          • 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
            "If any clients are identified as operatingoutside the law, or do not meet ourrequirements, we will engage withthose clients and, if appropriate, mayexit the banking relationship."
        • Companies must protect priority forests or globally important landscapes
          9.6/9.6
          • Commitment details
            All high priority landscapes - Require
            8/8
            Commitment details
            All high priority landscapes - Require
            8/8
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
          • 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
            "We ensure that our business lending does not result in the irrevocable damage of World Heritage sites, or other high value conservation areas defined by internationally recognised agencies."
        • Assurance mechanism to ensure compliance
          3.4/5.6
          • Commitment details
            Encourage
            2/4
            Commitment details
            Encourage
            2/4
            Verification method: Certification Scheme
            Certification scheme (if applicable): -
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
          • 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
            CBA "encourage customers who are growers, producers, and/or processors of beef, cacao, coffee, cotton, Palm Oil, rubber, soybean and timber to gain industry relevant sustainability certification, or equivalent standards, to demonstrate chain of custody"
        • 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
            No
            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
            No
            0/0.4
      • Social Considerations
        4/22
        • Company must ensure Free, Prior and Informed Consent
          3.6/5.6
          • Commitment details
            Yes - Encourage
            2/4
            Commitment details
            Yes - Encourage
            2/4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all operations and financing
            All
            0.4/0.4
            Policy applies to all operations and financing
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all deals
            All
            0.4/0.4
            Policy applies to all deals
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • Policy applies to all companies
            All
            0.4/0.4
            Policy applies to all companies
            All
            0.4/0.4
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
          • 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
            "Supporting free, prior and informed consent for applicable project finance, as outlined by the Equator Principles, for Indigenous Communities impacted by project decisions or actions that could affect their land, territory, and natural resources."
        • Company must respect labour rights
          0/5.6
          • Commitment details
            No
            0/4
            Commitment details
            No
            0/4
            Type of policy: UNGP; UN Declaration for HR
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all operations and financing
            No
            0/0.4
            Policy applies to all operations and financing
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all deals
            No
            0/0.4
            Policy applies to all deals
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all companies
            No
            0/0.4
            Policy applies to all companies
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
          • Policy applies to all stages of the supply chain
            No
            0/0.4
            Policy applies to all stages of the supply chain
            No
            0/0.4
            "We respect human rights in our business relationships by: – subjecting business lending decisions and investment processes to human rights standards aligned to the UN Global Compact Principles and UN Guiding Principles on Business and Human Rights"
        • 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
            No
            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
            No
            0/0.4
  • Reporting & Implementation
    8/20
    • Policy is reviewed and updated
      3/5
      Policy review
      Commit to update policy - Less than annual
      3/5
      "Reviewing our policy settings We are committed to working closely with all our stakeholders and will review our policy settings at least every two years to ensure our approach is fit for purpose."
    • Companies must disclose subsidiaries in commodity supply chains
      0/5
    • Monitoring and non-compliance process
      5/5
      Monitoring compliance
      Yes - Timebound non-compliance statement
      5/5
      "we will work with our customers and suppliers to inform them about changes to our minimum standards and if necessary agree on a specific, time-bound action plan to address any issues or risks. If a customer or supplier is unable or unwilling to meet our minimum standards, we may choose to end the relationship subject to contractual obligations."
    • Reporting on implementation of the policy
      0/5
      Reporting
      No - No reporting
      0/5
      ,  
  • Commitment strength
    28/42
    Avg. score
  • Social considerations
    4/22
    Avg. score

Profile

Commonwealth Bank of Australia are a financial services provider headquartered in Australia that serves private, corporate and institutional clients. They offer a range of products and services including retail, premium, business and institutional banking, funds management, pension programmes, insurance, and investment and share-broking products and services. As of 2017, Commonwealth Bank of Australia’s total assets amount to over 970 billion AUD with over 730 billion AUD in loans. They are among the top 100 shareholders for Forest 500 Companies, with over 3 billion USD worth of shares.

HQ
HQ 
Australia
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.