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Sustainability Strategy Serving the Country, Pride the Nation SUSTAINABILITY REPORT 2019 DIGITALIZATION EMBRACING NATION PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Overview of Sustainability Digitalization Sustainability Performance Governance for the Nation PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Services that My Nature, Independent Cover the Country My Country Assurance Statement BNI is reinventing itself and transforming into a “digital banking entity. Through digitalization, BNI embraces the nation and provides leading services to SMEs. BNI’s concrete steps to form a digital-based financial ecosystem are aimed at MSMEs engaged in the“ manufacturing, fisheries, agriculture and trade sectors. PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Overview of Sustainability Digitalization Sustainability Performance Governance for the Nation TABLE OF CONTENTS 03 SUSTAINABILITY STRATEGY 05 BNI SUPPORT TOWARDS SDGs 06 OVERVIEW OF SUSTAINABILITY PERFORMANCE 10 MESSAGE FROM THE BOARD OF DIRECTORS 14 STATEMENT OF RESPONSIBILITY OF THE BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS 16 PROFILE IN BRIEF 21 ABOUT THE REPORT 24 SUSTAINABILITY GOVERNANCE 36 DIGITALIZATION FOR THE NATION 40 Superior Products and Services in Digital Banking 42 Obligation to Develop Products and Services on Sustainable Finance 45 SERVING THE WHOLE COUNTRY 46 Equality in Service Provision 52 Employment 60 Guaranteeing Customer Satisfaction 62 Inclusive Finance and Empowering the Community 67 MY ENVIRONMENT, MY COUNTRY 68 Disclosure on Climate Change Impacts 72 Sustainable Finance Portfolio 80 Support for Environmental Conservation 90 INDEPENDENT ASSURANCE STATEMENT 94 RESPONSE TO FEEDBACK 95 POJK REFERENCE AND INDEX OF GRI & SUSBA STANDARDS PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Services that My Nature, Independent Cover the Country My Country Assurance Statement DIGITALIZATION EMBRACING NATION SUSTAINABILITY STRATEGY BNI has recorded a strong performance on economic, social, environmental and good governance standards, and retained the ‘A’ rank with respect to MSCI’s ESG Ratings. In terms of market-capitalization weighted index, as of January 31, 2020 BNI is ranked 7th in the list of 10 Main Constituents of MSCI Indonesia. VISION, MISSION, AND SUSTAINABILITY STRATEGY For BNI, sustainability means becoming a financial institution that provides superior performance and services to all customers; “increasing investment value for investors; creating the best working conditions for employees; raising concern for the environment and community; and enforcing “ corporate governance in the context of sustainable finance. This commitment to sustainability is enshrined in the Company’s vision and mission statements. In the Mission statements 4 and 5 on increasing concern and responsibility to the environment and the community, and to be the exemplar of compliance and good corporate governance, BNI has considered the Environmental, Social and Governance (ESG) aspects of the company’s operations. The company’s operations are expected to support the achievement of the Sustainable Development Goals (SDGs). PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Overview of Sustainability Digitalization Sustainability Performance Governance for the Nation BNI SUSTAINABILITY PILLARS BNI’s exceptional performance on sustainability has been realized through its efforts to build a culture of sustainability. Besides ensuring good corporate governance“ “practices, BNI implements five Sustainability Pillars that serve as guidelines for managing financial performance while taking into account the environmental and social impacts, and supports the achievement of the sustainable development goals. BNI FOR INDONESIA BNI FOR CUSTOMERS BNI FOR THE ENVIRONMENT BNI SUSTAINABILITY PILLARS BNI BNI FOR THE COMMUNITY FOR EMPLOYEES PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Services that My Nature, Independent Cover the Country My Country Assurance Statement BNI SUPPORT TOWARDS SDGs BNI has mapped out its banking operations and community empowerment initiatives to support achievement of the Sustainable Development Goals (SDGs). Support for the 17 Goals was identified on a scale of 1 to 3 (moderate to very high). From this exercise eight Goals were deemed as priority for BNI support. BNI’s Support Impact of SDGs on BNI No SDGs for Sustainable BNI’s SDGs Priority Business Development Goals 1 No Poverty 2 Zero Hunger 3 Good Health and Well-being 4 Quality Education 5 Gender Equality 6 Clean Water and Sanitation 7 Affordable and Clean Energy Decent Work and Economic 8 Growth Industry, Innovation and 9 Infrastructure 10 Reduced Inequality Sustainable Cities and 11 Communities Responsible Consumption 12 and Production 13 Climate Action 14 Life Below Water 15 Life on Land Peace and Justice Strong 16 Institutions Partnerships to achieve the 17 Goal PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Overview of Sustainability Digitalization Sustainability Performance Governance for the Nation OVERVIEW OF SUSTAINABILITY PERFORMANCE ECONOMIC ASPECT SOCIAL FORESTRY PEOPLE’S BUSINESS CREDIT (KUR) 2019 2018 32.70 3.34 Billion Rupiah Billion Rupiah INCOME NET PROFIT 2019 2018 2017 2019 2018 2017 78.4 71.7 66.6 15.38 15.09 13.77 Trillion Rupiah Trillion Rupiah Trillion Rupiah Trillion Rupiah Trillion Rupiah Trillion Rupiah SUSTAINABILITY RELATED ECONOMIC PERFORMANCE* Trillion rupiah Million rupiah 5 Rp30,121 Rp104,814 Types of products that Value of products and/ Value of production or meet the criteria for a or services that meet the services for financing sustainable business criteria of a sustainable sustainable businesses model business model (KKUB) from the Work Plan and Budget (RKAB) % Million rupiah Trillion rupiah % 41.20 Rp57 Rp30,064 Percentage of sustainable Funds raised Funds disbursed businesses portfolio to total portfolio *as of September 2019 PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Services that My Nature, Independent Cover the Country My Country Assurance Statement INCLUSIVE FINANCE PERFORMANCE TOTAL AGEN46 AGENTS VALUE OF PRODUCTS PROVIDED BY AGENTS (Persons) (Trillion rupiah) 2019 157,144 2019 159.6 2018 111,836 2018 94.5 2017 69,589 2017 11.6 ENVIRONMENTAL ASPECT Description Unit 2019 2018 2017 Earth Hour MWh 11,392.64 8,001.26 7,387.67 Water use efficiency Pengurangan Limbah 2019 63,891 2018 (96,620)* Paper use efficiency Tons 988.9 1,284 2,155 2017 12,967 Funding allocation for Billion rupiah 143.23 115.20** 107.76 environmental issues *indicates an increase in consumption Fuel consumption Thousand 1,738 1,468 1,504 rupiah Let’s Save with Waste Customers 162,733 159,622 - Conservation of biodiversity Efficiency in electricity Rhino conservation program Rehabilitation and conservation of 72 Java use from Earth Hour rhinoceros 2019 11,392 MWh Organic Forest Program Planting of 1,000 plants with estimated CO2 2018 8,001 MWh absorption of 45.9 tons 2017 7,387 MWh Release of orangutans 9 orangutans released back into the wild in Bemban watershed **restatement PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Overview of Sustainability Digitalization Sustainability Performance Governance for the Nation SOCIAL ASPECT POSITIVE IMPACTS OF SOCIAL ACTIVITIES Billion Rupiah % 1,619 Rp265.40 41.4 Total fostered Funding for Partnership Increase in ISPO & partners and Community RSPO certified palm Development Program oil debtors (PKBL) Billion Rupiah % Rp38,416 90 Financing for toll roads Employee Engagement and infrastructure Level Score projects ADVERSE IMPACTS OF SOCIAL ACTIVITIES In general, BNI’s community empowerment activities deliver benefits to the communities directly targeted. On the other hand, these activities also cause adverse effects although not as significant. Rp These adverse effects include the tendency towards consumerism as and when the level of welfare increases, resistance in communities to carry on the empowerment activities on their own, or even envy among communities that are not the recipients of the program. In this regard, BNI conducted social mapping to identify local competencies among communities to implement activities according to their needs. PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Services that My Nature, Independent Cover the Country My Country Assurance Statement AWARDS AND ACHIEVEMENTS 2019 Sustainable Business Award (SBA) 2019: Best Flagship Asian Sustainability Award (ASRA) 2019: Finalist for Best Sustainability Report for Public Sector Asia Sustainability Reporting Rating (ASRRAT) 2019: Gold PADMAMITRA+ AWARD: DIGITAL INNOVATION CECT Award 2019: Fair Operating Practices and Overfall Sustainability Reporting for Finance Industry PT Bank Negara Indonesia (Persero) Tbk Sustainability Report Overview of Sustainability Digitalization Sustainability Performance Governance for the Nation MESSAGE FROM THE BOARD OF DIRECTORS [102-14] ACHMAD BAIQUNI President Director “ BNI strives to provide all-digital services to all customers by implementing “ the BEYOND strategy Respected stakeholders, On September 23, 2019, the United Nations Responding to this global issue of climate change, Secretary General called on all world leaders to Indonesia once again stated its commitment to raise awareness in reducing Greenhouse Gas support the Paris Agreement on Climate Action of (GHG) emissions that cause climate change and 2015. Indonesia along with 186 other countries global warming. The UN noted that the effects of called for actions to prevent
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