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Rating Report Koalisi ResponsiBank Indonesia ResponsiBank Koalisi Rating Report Social Environmental and Governance Aspects of Banks’ Rating Report Lending and Investment Policy Social Environmental and Governance Aspects of Banks’ Lending and Investment Policy 2014 Victoria Fanggidae dan Sri Ranti Koalisi ResponsiBank (d/a Perkumpulan Prakarsa) Jln. Rawa Bambu I Blok A No. 8E RT 010 RW 06 Kel/Kec. Pasar Minggu Researcher: Koalisi ResponsiBank Indonesia Jakarta Selatan 12520 - Indonesia Victoria Fanggidae Ph. +62 (21)7811-798 Fax. +62 (21)7811-897 E-mail to: [email protected] Sri Ranti The ResponsiBank Coalition is a group of Indonesian civil society organizations who are concerned about the role of the country’s finance industry in supporting sustainable development and poverty reduction. The finance industry, particularly banks, play an intermediary role in the development process, that is, to gather public funds through savings and public investment and then channel them back through loans and investment. This role, however, needs to be performed in a more responsible manner that is within the framework of improving the living standards of people as mandated by Indonesia’s Banking Law. The finance industry must go beyond the pursuit of profits as their main consideration in lending and investment policy to incorporate the the human and environmental (people and planet) dimensions into their investment decision making. Credit and investment policy cannot be separated from social and environmental responsibility; it is not enough to contribute philanthropic activities alone. Researchers from the ResponsiBank Indonesia Coalition conducted this bank ranking assessment. The Coalition is made up of the following civil society organizations: Perkumpulan Prakarsa – www.theprakarsa.org INFID (International NGO Forum on Indonesian Development) – www.infid.org ICW (Indonesian Corruption Watch) – www.antikorupsi.org PWYP (Publish What You Pay) Indonesia – www.pwyp-indonesia.org WALHI (Wahana Lingkungan Hidup) – www.walhi.or.id YLKI (Yayasan Lembaga Konsumen Indonesia) – www.ykli.or.id Transformasi untuk Keadilan – www.tuk.or.id Preface The Bank Ranking Report presents the assessment results of lending and investment policies in Indonesia’s 11 largest banks. The assessment results take the form of a bank ranking, based on themes and sectors. Bank performance is assessed against social and environment issues such as climate change, biodiversity, human rights, labor rights, transparency and accountability, taxes and corruption. The assessment also looks at industrial sectors such as mining, oil and gas, electricity generation. These themes are considered essential if banks are going to perform as a development agent that contributes to the promotion of justice, sustainable development and poverty reduction. Part one of the report provides a brief explanation about the bank ranking methodology, followed by a result analysis similar to those presented in the website www.responsibank.id. As can be seen, results are unsatisfactory. In a range of 1-10 all national banks scored only 1 or even 0, compared to some of the foreign banks who were moderately better scoring between 2 and 4. This can be attributed to, in part, differences in context such as the lack of incentives for Indonesian banks to improve ethics and financial responsibility particularly in economic sectors with a high risk of human rights violations or environmental destruction. Consumers in Asian countries tend to be more interested in products and services while providing minimum ‘sanctions’ to companies who are not socially responsible (IISD, 2012). Hence, companies in Asia frequently disregard the need to improve their performance vis-à-vis social and environmental indicators. The ResponsiBank Coalition considers this current state of affairs as a challenge that must be addressed. In a world that is increasingly interconnected, no industries or sectors of the economy are free from the responsibility to contribute to sustainable development. With the increasing vagueness of borders between countries, the banking sector can no longer argue that they are only focused on the domestic market and that it is not necessary to take social and environmental standards to a higher level. Therefore, we hope that the bank ranking assessment will both educate and empower consumers and the public in general about the need for banks to address the social and environment impacts of their decision making. We extend our gratitude to the entire team of researchers and members of ResponsiBank Indonesia Coalition for their hard work and support in completing this report. We also extend our gratitude to Oxfam-Novib and SIDA for providing the resources to conduct the bank ranking. We expect the Indonesian banking sector will improve their lending and investment policies to go beyond financial and market risks and incorporate social and environmental risks. Setyo Budiantoro Executive Director of Perkumpulan Prakarsa Representative of Responsibank Indonesia Table of Contents Preface ii Table of contents iv List of Tables iv List of Charts v list of Figures v Abbreviations vi Executive Summary vii 01 Introduction 02 Objective 03 Methodology Bank Selection Assessment methods 14 Assessment results Bank rankings in general Explanation of the scoring per theme and sector Bank profiles and explanation of the scoring per bank 37 Conclusions and recommendations Conclusions Recommendations List of Tables Table 1 : Assessment model of financial institutions in the theme “climate change” 10 Table 2 : Summary of the assessment results per theme and sector bank 13 v List of Charts Chart 1 : Consolidated score and overall bank ranking 12 Chart 2 : Cimate Change bank ranking score 14 Chart 3 : Human rights bank ranking score 15 Chart 4 : Workers’ rights bank ranking score 16 Chart 5 : Biodiversity bank ranking score 17 Chart 6 : Remuneration bank ranking score 17 Chart 7 : Tax and corruption bank ranking score 18 Chart 8 : Transparency and accountability bank ranking score 19 Chart 9 : Food sector bank ranking score 19 Chart 10 : Forestry sector bank ranking score 20 Chart 11 : Mining sector bank ranking score 21 Chart 12 : Oil and gas sector bank ranking score 22 Chart 13 : Electricity generation bank ranking score 23 Chart 14 : Armaments sector bank ranking score 23 Chart 15 : BCA score: all themes and sectors 24 Chart 16 : BNI score: all themes and sectors 25 Chart 17 : BRI score: all themes and sectors 26 Chart 18 : Bank Mandiri score: all themes and sectors 27 Chart 19 : Bank Danamon scores: all themes and sectors 28 Chart 20 : CIMB-Niaga scores: all themes and sectors 29 Chart 21 : OCBC-NISP scores: all themes and sectors 30 Chart 22 : Bank Panin scores: all themes and sectors 31 Chart 23 : HSBC scores: all themes and sectors 32 Chart 24 : Citibank scores: all themes and sectors 33 Chart 25 : Mitsubishi-UFJ: all themes and sectors 34 List of Figures Figure 1 : Bank ranking process flowchart 11 vi Abbreviations AMDAL : Analisa MengenaiDampakLingkungan BCA : Bank Central Asia BNI : Bank Negara Indonesia BPD : Bank Pembangunan Daerah BPR : Bank Perkreditan Rakyat BRI : Bank Rakyat Indonesia CIMB : Commerce International Merchant Bankers EITI : Extractive Industry Transparency Initiative ESRM : Environmental and Social Risk Management EU : European Union FPIC : Free Prior and Informed Consent GCG : Good Corporate Governance GRI : Global Reporting Initiative HAM : Hak asasi manusia HSBC : Hong Kong Shanghai Banking Corporation ICBC : Industrial and Commercial Bank of China ICMM : International Council for Metal and Mining ICW : Indonesia Corruption Watch IFC : International Finance Corporation ILO : International Labor Organization Infid : International Non-Governmental Organization Forum on Indonesian Development ISPO : Indonesian Sustainable Palm Oil system K3 : Kesehatan dan Keselamatan Kerja OCBC-NISP : Overseas Chinese Banking Corporation - Nederlandsch Indische Spaar En Deposito OECD : Organization for Economic Cooperation and Development PROPER : Program Penilaian Peringkat Kinerja Perusahaan dalam Pengelolaan Lingkungan Hidup PWYP : Publish What You Pay RKL : Rencana Pengelolaan Lingkungan RPL : Rencana Pemantauan Lingkungan RSPO : Roundtable on Sustainable Palm Oil UFJ : United Financial of Japan UKM : Usaha Kecil dan Menengah UN : United Nations Walhi : Wahana Lingkungan Hidup WCD : World Commission on Dams YLKI : Yayasan Lembaga Perlindungan Konsumen Indonesia Executive Summary The finance industry is a key economic sector and as such it must contribute to the nation’s sustainable development and poverty reduction goals. The principle of the ‘Triple Bottom Line’, or the three pillars of sustainability, namely People, Planet and Profit is now widely adopted by bu- sinesses globally as well as in Indonesia. However, in Indonesia, this principle barely touches the lending function which is the “heart” or the core of the finance sector. The finance industry and banks in particular have a key role to play in reducing poverty as mandated by the country’s Banking Law. To do so they will have to go beyond their current focus on philanthropic/charitable activities. As part of global demands for a responsible finance industry, the Fair Finance Guide International, a civil society network of seven countries, consisting of the Netherlands, Belgium, Brazil, Indonesia, Japan, France and Sweden have developed guidelines for ranking banks. Indonesian civil society organizations consisting of Perkumpulan Prakarsa, Infid,
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