United Overseas Bank

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly;..."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly;..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"We notify our borrowers of their need to adhere to our Responsible Financing Policy and seek their representations and warranties to ensure compliance, including with local ESG regulations in the countries in which they operate. We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"How We Responded to Stakeholder Expectations in 2019:...Discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly;..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; ..."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"We review our Responsible Financing Policy periodically amid evolving societal and stakeholder expectations [...] In addition to incorporating the ABS Haze Diagnostic Kit for the financing of palm oil, and pulp and paper industries, we have also discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"We review our Responsible Financing Policy periodically amid evolving societal and stakeholder expectations [...] In addition to incorporating the ABS Haze Diagnostic Kit for the financing of palm oil, and pulp and paper industries, we have also discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"We review our Responsible Financing Policy periodically amid evolving societal and stakeholder expectations [...] In addition to incorporating the ABS Haze Diagnostic Kit for the financing of palm oil, and pulp and paper industries, we have also discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"We review our Responsible Financing Policy periodically amid evolving societal and stakeholder expectations [...] In addition to incorporating the ABS Haze Diagnostic Kit for the financing of palm oil, and pulp and paper industries, we have also discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"We review our Responsible Financing Policy periodically amid evolving societal and stakeholder expectations [...] In addition to incorporating the ABS Haze Diagnostic Kit for the financing of palm oil, and pulp and paper industries, we have also discontinued new financing of greenfield palm oil plantations to address the risk of deforestation and loss of biodiversity."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; • involved in animal cruelty and the trade of endangered species as defined by the Convention on International Trade in Endangered Species (CITES) of Wild Fauna and Flora;

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; • involved in animal cruelty and the trade of endangered species as defined by the Convention on International Trade in Endangered Species (CITES) of Wild Fauna and Flora;

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; • involved in animal cruelty and the trade of endangered species as defined by the Convention on International Trade in Endangered Species (CITES) of Wild Fauna and Flora;

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; • involved in animal cruelty and the trade of endangered species as defined by the Convention on International Trade in Endangered Species (CITES) of Wild Fauna and Flora;

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly; • involved in animal cruelty and the trade of endangered species as defined by the Convention on International Trade in Endangered Species (CITES) of Wild Fauna and Flora;

"We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"We also encourage them to follow established industry standards, to obtain relevant certifications and to adopt best practices for proper water and waste management, mitigation of greenhouse gas emissions and the management of occupational health and safety risks. The policy references international standards and conventions such as the Roundtable on Sustainable Palm Oil, Forest Stewardship Council, World Heritage Convention, and industry best practices provided by the International Finance Corporation (IFC)."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly;..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly;..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly;..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly;..."

"Our Responsible Financing Policy prohibits our financing of companies: • where their operations or projects threaten the outstanding universal value or special characteristics of UNESCO World Heritage Sites, Ramsar Wetlands, forests of high conservation value (HCV) or may impact critical natural habitats significantly;..."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."

"Our Responsible Financing Policy prohibits our financing of companies: ... involved in the exploitation of labour, including forced labour and child labour, based on the International Labour Organisation (ILO) standards; These financing prohibitions are cross-cutting commitments that apply to all new and existing clients across sectors and help to bolster our efforts in fostering sustainable development through responsible financing... We are committed to supporting internationally-accepted human rights principles, including those relating to non-discrimination, child labour, forced labour, and freedom of association and collective bargaining."