Commonwealth Bank of Australia

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."
  
  Open source document
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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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".
        
        Open source document
      - 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".
        
        Open source document
      - 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".
        
        Open source document
      - 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".
        
        Open source document
      - 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".
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
    - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
      - 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."
        
        Open source document
    - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
      - 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"
        
        Open source document
    - 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."
  
  Open source document
- 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."
  
  Open source document
- 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.

Australia

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.

Full finance sector performance data Forest 500 assessment methodology

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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.