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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
a
MOVING TOWARDS
A SUSTAINABLE
FUTURE
Sustainability Report PT Bank Negara Indonesia (Persero) Tbk
2023
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Sustainability Report 2023
b PT Bank Negara Indonesia (Persero) Tbk
MOVING TOWARDS
A SUSTAINABLE FUTURE
MOVING TOWARDS
A SUSTAINABLE FUTURE
BNI consistently engages and synergizes with all stakeholders to
collectively respond to every challenge and create a sustainable
future together. Arising challenges, such as cyber crime due to
digitization acceleration and issues caused by climate change,
compel BNI into becoming an agent of change that must be
perpetually ready to adapt and evolve in facing all occurring
changes.
As one of State-owned Enterprises (SOE), BNI also makes
persistent efforts to develop a better Indonesia in the future by
continuing to collaborate with the community as well as providing
excellent service to its customers. BNI believes that engaging
stakeholders, both national and global, can create shared values
in the long term. Therefore, BNI will always continue to open
opportunities and cultivate synergies with stakeholders to move
towards a sustainable future.
Forward-looking Statements
This document may contain certain plans, projections, strategies, and objectives of the Company that are not statements of historical
facts and would be treated as forward-looking statements under applicable law. Forward-looking statements are subject to risks
and uncertainties that may cause actual events, and the Company’s future results, to be different than expected or indicated by such
statements. No assurance can be given that the results anticipated by the Company, or indicated by such forward-looking statements,
will be achieved.
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
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Table of Contents
4 Sustainability Performance Overview
04 BNI FOR THE COMMUNITY
8 Sustainability Commitment and Strategy
67 Growing with MSMEs
10 Message from the Board of Directors
72 Financial Literacy and Inclusion
14 About BNI
74 Sharing Added Value with the Community
17 Support for Sustainable Development Goals (SDGs)
76 Engagement of Local Parties in the Supply Chain
18 External Initiatives and Association Memberships
19 About the Sustainability Report
05 BNI FOR EMPLOYEES
78 BNI Employees
01 BNI FOR INDONESIA
83 Equal Employment Practices
22 Digital Banking
85 Employee Competency Development
24 Sustainable Finance Implementation
89 Employee Welfare
26 Sustainability Portfolio
91 Decent and Safe Workplace
29 Supporting Micro, Small, and Medium
Enterprises
30 Moving Together with Stakeholders SUSTAINABILITY GOVERNANCE AND STAKEHOLDER
towards Climate Resilience 06
ENGAGEMENT
34 ESG Risk Management in Financing 93 Commitment to Sustainable Finance Implementation
42 Responsibility for Financial Products and/or Services 94 Sustainability Governance Structure
43 Fair Operating Practices and Competition 97 Delegation of Responsibility for ESG Management
99 Problems, Challenges, Trends, and Impacts of
02 BNI FOR CUSTOMERS Sustainable Finance Implementation
100 Good Corporate Governance (GCG) Implementation
45 Data Security and Customer Privacy Protection
System 102 Anti-Corruption, Anti-Bribery, and Anti-Fraud
Policies
49 Preventing Cyber Attacks and Information Technology
Crime 104 APU-PPT Movement and PPPSPM
50 Innovation and Product and/or Service Development 105 Stakeholder Engagement
54 Response to Customers and Respect
for Human Rights
55 Access and Affordability
108 Verification by Independent Parties
56 Handling Customer Complaints
112 Board of Commissioners’ and Directors’
58 Customer Satisfaction Survey Responsibility Statement
for the 2023 Sustainability Report of PT Bank
Negara Indonesia (Persero) Tbk
03 BNI FOR THE ENVIRONMENT
114 POJK and SEOJK References, and Indexes of GRI
60 Green Banking Standards, SASB, and SUSBA
62 Reducing the Impact of Climate Change through 125 Feedback Sheet
Energy Management and Emission Reduction
64 Environmental and Biodiversity Conservation
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Sustainability Report 2023
2 PT Bank Negara Indonesia (Persero) Tbk
2023 Highlights
Impacts of Green Bond Issuance
233,749 tCO eq 1,568,897 Gj
2
Rp62,747 billion GHG emission reduction
Energy consumption
Operating income savings
54,355.2 MWh 314,387 ha
Clean energy Land conservation
generated
Rp20,909 billion
Income for the year
150,410 tons/year
Waste management
Rp181,106 billion
Sustainable Business
Activities Category
Financial inclusion through 27,570 people of BNI
(KKUB) Financing is
185,697 BNI Agen46 as employees 52.2% are
laku pandai (Officeless financial
26.4% from total loans women
services for inclusive finance)
(bank only)
program has reached more than
8,771 districts in Indonesia
USD298.2 million 143.5 hours
Or equivalent to Average training hours
Rp4.6 trillion 4.3 per employee per year
In Sustainability Linked Loan (scale of 1-5)
(SLL) distribused by BNI Customer satisfaction index
92%
Employee satisfaction
Rp4.8 trillion
Investment in Green and 5,438 Partners
Sustainability Bond Total MSME fostered partners
Rp129.8 billion 14.8 GJ/Rp 0.00000045579 ton CO eq/Rp 2
Realization of community and Energy intensity to Scope 1, 2, & 3 GHG emissions intensity
environmental programs income to income
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
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Awards in 2023
Medium Risk with a score of 21.4
A ESG Risk Rating Sustainalytics
MSCI Ratings
Best Bank with ESG-Driven GCG Gold Rank
Commitment Asia Sustainability Report Rating
CNBC Indonesia Awards 2023 (ASRRAT) 2023
Kawan BNI Program Management BB
Obtained B Universe ESG Disclosure Transparency
CSR Award 2023 Award 2023
SRI Kehati Index ESG Sectors Leaders IDX KEHATI
(1 December 2023 – (1 December 2023 –
31 May 2024) 31 May 2024)
The Best Overall in Category Big Cap
Corporate Governance Perception
Public Listed Company,
Index (CGPI) Assessment scored BNI
the 14th IICD Corporate Governance
with 92.26
Award 2023
“Leadership in Corporate Governance” or Republika CSR Award 2023
Level 5, ASEAN Corporate Governance for the Tourism Development
Scorecard (ACGS) by the ASEAN Capital category
Market Forum
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Sustainability Report 2023
4 PT Bank Negara Indonesia (Persero) Tbk
Sustainability Performance Overview
Economy
Economic Aspect Performance
Internal Performance
related to Sustainability
Operating Income for the 182.9
Nominal products and/or services 181.1
income year
meeting the sustainable business
(Trillion Rp) (Trillion Rp)
activities category (KKUB) criteria 172.4
62.7 (Trillion Rp)
61.5
55.9
20.9
18.3
10.9 2023 2022 2021
2023 2022 2021 2023 2022 2021 Percentage of total sustainable
business activities category (KKUB) 29.6
28.5
Current Account Loan financing portfolio to total loan
(bank only) % 26.4
Saving Account Disbursement
(CASA) - total
(Trillion Rp) (Trillion Rp)
695.1
577.5 646.2
2023 2022 2021
557.3
506.1 582.4
Financial Inclusion Performance
2023 2022 2021 2023 2022 2021
Loan Number of BNI Agen46
Third Party
Disbursement - 2023 2022 2021
Funds
MSME
(Trillion Rp) 185,697 164,979 157,632
(Trillion Rp)
810.7
Number of BNI Pandai accounts (Million of
123.2
769.3 accounts)
117.0 2023 2022 2021
113.2 729.2
20.0 20.0 19.8
Total amount of BNI Pandai funds (Trillion Rp)
2023 2022 2021
2023 2022 2021 2023 2022 2021 1.1 0.9 1.4
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
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Social
Internal Performance
Female employees to Women occupying Employee engagement Customer complaint
total employees manager upwards level resolution rate
position
52.0% 29.6% 96% 99.7%
51.8% 29.8% 96% 99.9%
52.2% 30.8% 96% 99.9%
2021 2022 2023
Average training hours per Employee education and Customer satisfaction index
employee per year (Hours) training costs (Billion Rp) (scale of 1-5)
191.7 346.2
265.8
143.5 4.3 4.3
4.2
77.5 180.7
2023 2022 2021 2023 2022 2021 2023 2022 2021
Social Responsibility Activities
Realized funds for social Rumah BUMN beneficiaries (MSMEs) Fostered partners (Partner)
responsibility activities (Billion Rp)
2023 2022 2021 2023 2022 2021 2023 2022 2021
130 100 93 8,201 7,941* 10,520* 5,438 2,482 2,042
*) Restatement regarding changes of scope as measured by Go Modern MSMEs data. Previously, 2021 and 2022 were measured using Go Online data due to COVID-19.
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Sustainability Report 2023
6 PT Bank Negara Indonesia (Persero) Tbk
Environment
Internal Performance
14.8 GJ/Rp 0.00000045579 ton CO eq/Rp 2
Scope 1,2, & 3 GHG emissions intensity
Energy intensity
to income
to income
Water use*
(m3)
2023 2022 2021
1,758,134 1,636,874 185,115
Environmental Activities
Realized environmental Rhinoceros conservation Tree planting Program konservasi ‘Ayo Menabung dengan
costs (Billion Rp) program (Species) (Seed) orang utan (Species) Sampah’ program (Account)
81 438,000 320,025
28 316,688
27
76
23 75 88,023** 288,756
10,000 2
N/A N/A
2023 2022 2021 2023 2022 2021 2023 2022 2021 2023 2022 2021 2023 2022 2021
*) Data measurement coverages for 2023 and 2022 includes head office, regions, and branches, while for 2021 only head office.
**) The large number of tree planting seeds in 2023 compared to the previous year is due to the differences in conservation areas. However, BNI is committed to carrying out
conservation programs every year and looking for different areas to rehabilitate.
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Sustainability Report 2023
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Sustainability Report 2023
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Sustainability Commitment and Strategy [2-22, 2-23, 2-24]
BNI has implemented the strategy of integrating environmental, social, and
governance (ESG) aspects to support stakeholders and the environment in
achieving the commitment to sustainability.
BNI also has the five pillars of sustainability to manifest the commitment in implementing sustainability practices. The
foundation of these pillars is the Bank’s mission to provide excellent services and digital solutions for all customers
as the primary business partner of choice, strengthen international services to support the needs of global business
partners, increase investment value for investors, create the best conditions for employees as a place of pride to work
and create accomplishments, improve awareness and responsibility toward the environment and society, and become
the reference for compliance and good corporate governance in the industry.
BNI FOR INDONESIA
Running the company’s business by integrating
economic, social, environmental and
governance aspects.
BNI FOR CUSTOMERS BNI FOR EMPLOYEES
Providing excellent services, Providing the best conditions
digital solutions, security, for employees as a place
and privacy protection for all BNI Pillars of of pride to work and create
customers. accomplishment.
Sustainability
BNI FOR THE ENVIRONMENT BNI FOR THE COMMUNITY
Improving environmental quality in line with Increasing awareness and responsibility to all levels of society
business development. in line with business development.
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
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In 2023, BNI has implemented the framework, target, and roadmap as reference for the
Bank in implementing and increasing environmental, social, and governance initiatives
in the Bank’s operations. BNI formulated the target and roadmap for the short-term
(2023), medium-term (2024-2026), and long-term (>2027).
ESG Framework & Roadmap
Social
Environment
• Increasing employee engagement
• Improving employee capabilities
• Conducting climate-related
• Strengthening data and customer financial
S
financial risk management
protection
by referring to international
standards
• Achieving NZE (Net Zero Emission)
in Operations by 2028 ESG Framework
• Strengthening governance in ESG
Governance
loans
• Improving employee awareness
and capabilities
E G • Increasing diversity at the Board
of Directors level
• Sharpening ESG disclosure
• Strengthening the engagement
of the Board of Directors in ESG
Short-Term Focus Mid-Term Focus Long-Term Focus
(2024) (2025-2026): (≥2027):
• Strengthening • Strengthening the Risk Acceptance Criteria • Implementation of climate change
infrastructure (RAC) of debtors risk management in the Bank’s
• Establishing NZE and • Strengthening the infrastructure of climate operations
Carbon Budget change risk management
• Strengthening Board engagement in ESG
• Optimizing data loss prevention
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Sustainability Report 2023
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Message from the Board of Directors [2-12, 2-14, 2-22]
Royke Tumilaar
President Director
Our respected stakeholders,
2023 still overwhelmed us with many challenges. One of the challenges widely and globally attracting
Various economic, social, and environmental issues the attention of all parties is climate change. In 2022,
must be addressed to maintain the Bank’s long term the Government of Indonesia publicly announced their
business continuity. For this reason, BNI is determined commitment to accomplishing Net Zero Emissions (NZE)
to continue making progress and new breakthroughs by 2060 in support of climate change mitigation.
to allow it to compete and realize its vision to be the
leading sustainable financial institution, both in service As a company in the banking industry, BNI responded to
and performance. the challenge by implementing sustainable finance. The
Board of Directors recognized that climate change
Strategy and Policy in Responding to Sustainability brought significant impacts on the economic
Challenges aspect, including financial assets, due to decreasing
BNI considers the sustainability concept as a significant environmental quality. On this basis, in accordance with
aspect inherent in the operational banking business, in the Financial Services Authority (OJK) directives for
which the sustainability values are incorporated into KBMI 3 and 4, BNI initiated the Initial Phase of Climate
company strategies by taking the environmental, social, Risk Stress Test (CRST) to evaluate the climate-related
and governance (ESG) as well as economic aspects impacts of financial risks, whether short-, medium-, and
into account. Additionally, BNI creates a sustainability long-term in June 2023.
culture that is thoroughly applied to all work units for
maximum implementation of green banking practices.
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
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In response to climate change issues and their impacts, The Board of Directors monitors BNI’s sustainability
BNI led with some manoeuvers, such as performing strategy implementation through the ESG Sub-
risk analysis on climate against financing activities, Committee. The forum is held quarterly discussing
increasing financing for eco-friendly sectors, and running sustainable finance, ESG trends, and ESG strategy
decarbonization initiatives, including data of emissions implementation in the company. The results show
inventory. Aiming for optimal implementation, BNI is that during 2023, BNI has determined green bonds
currently preparing an infrastructure of emissions data disbursements, ESG framework & roadmap, and NZE
management to calculate and monitor BNI’s greenhouse roadmap. These initiatives have become part of BNI’s
gas emissions (GHG), both in operations and financing. sustainability strategy, as well as a manifestation of
The infrastructure is expected to ease the CRST on all the seriousness of management and all BNI employees
BNI’s credit portfolio and policy tools required. in supporting the achievement of the Sustainable
Development Goals (TPB).
BNI’s commitment to reducing GHG was also
substantiated by the roadmaps of 2028 NZE Operational Several considerable challenges were identified in the
and 2060 NZE Financing targets. BNI strengthened endeavor to achieve ESG target. One of which was
the ESG aspects in the Risk Acceptance Criteria (RAC) the unequal awareness among BNI’s employees on
in 18 debtors’ sectors. In addition, the mapping of the the importance of ESG. Therefore, BNI continues to
high and low emissions from the economic sectors was increase employee capacity related to sustainability in
carried out as one of the considerations in managing the workplace through periodic trainings, socializations,
ESG risks from financing activities. webinars, and refreshments. Furthermore, all
employees must participate in a mandatory e-learning
Other initiatives to reduce GHG emissions are taken on the subject of sustainability once a year. This
by continuously increasing the green loan portfolio capacity building also aims to equip the employees with
and giving incentives to green sectors. Through the knowledge and skills, enabling them to accommodate
Sustainability Linked Loan (SLL) program, BNI provides the diverse and evolving ESG standards.
incentives-based financing to debtors who successfully
achieved the Sustainability Performance Target (SPT).
These strategies indirectly encourage debtors to start
a transition process that leads to clean energy and
sustainable business.
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Sustainability Report 2023
12 PT Bank Negara Indonesia (Persero) Tbk
Sustainable Finance Implementation In the environmental sector, BNI obtained a Green
In 2023, BNI successfully recorded a satisfactory Building certification for two BNI buildings, “Gold”
performance in sustainability. In the economic aspect, Certification for Menara BNI and “Platinum” Certification
the company documented Rp62,747 billion in operating for Plaza BNI. The company also put efforts in further
income, or 2.1% increase from previous year. By the end harnessing new and renewable energy by installing
of the fiscal year, the company’s net profit was amounted 2,200 watt solar panels for emergency stairwell lighting
to Rp20,909 billion, in line with market consensus in Plaza BNI. Moreover, BNI became Indonesia’s first
projections. The increase in net profit was contributed bank to implement the Public Electric Vehicles Charging
by growth in interest income, premium income, and loan Station (SPKLU) Partnership Investor Own Investor
recovery, accompanied by continued improvements Operate (IO2) from PLN.
in asset quality which are the main drivers of BNI’s
performance in 2023. This positive performance is in Despite causing no direct negative impacts on
line with the objectives of the transformation program biodiversity, BNI firmly supports environmental
in strengthening company fundamentals with a focus preservation by implementing programs to conserve
on healthy and sustainable business expansion. Javan rhinoceros (Rhinoceros sondaicus) and Orangutans
(Pongo pymgaeus), and planting 88,023 trees.
BNI is committed to performing a dedicated role as a
transformation agent in implementing ESG principles. BNI always seeks ways to create a safe, comfortable,
Hence, the company continously seeks to expand the inclusive, and fair workplace for all employees. BNI
portfolio with green financing and green activity. Per 31 guarantees equal rights with no discrimination for all
December 2023, total green loan (Eco-friendly Business employees who desire to develop their careers and
Activities/KUBL) reached Rp67.8 trillion or 9.8% of the competencies, including their insights on sustainable
total credit. Moreover, the SLL disbursements have finance.
reached Rp4.6 trillion.
On the external side, BNI has taken measures to elevate
Last year BNI issued green bonds and in 2023 the the quality of community life through empowerment
funds from the green bonds were channeled to finance and partnership programs, mainly for Micro, Small, and
environmentally friendly projects. Throughout 2023, Medium Enterprises (MSMEs). The Bank believes that
BNI also actively provided financing to environmentally MSMEs can serve as Indonesia’s economic backbone
friendly sectors, especially New Renewable Energy and their growth will play an important factor in future
(EBT). It is hoped that our steps in channeling financing economic recovery. As of the end of 2023, Rp113,224
to environmentally friendly sectors can make a billion of financing has been disbursed to the MSMEs.
significant contribution in supporting the achievement
of Indonesia’s NZE target.
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
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Accomplishments in sustainability implementation To protect customer data from cyber risk threats, BNI
garnered BNI several achievements in 2023. BNI was has applied data privacy and security management
able to maintain its MSCI Rating at Rating A. Some internally and externally, including raising security
improvements have been made towards the ESG awareness of BNI’s internal personnel and customers,
commitments, including Consumer Financial Protection, owning data security policy, and user access
Human Capital Development, Access to Finance, Privacy management and monitoring. The Bank’s applications
& Data Security, and Corporate Behavior factors. In and systems have also been equipped with secure
addition, BNI was recorded as having medium risk with coding, penetration testing, vulnerability assessment,
a score of 21.4 according to Sustainalytics’ ESG Risk and several Security Perimeter Tools with 24-hour
Rating. Further, BNI maintained its position in the SRI active Security Operation Center. For external security,
Kehati Index and ESG Sectors Leaders IDX KEHATI. BNI performs a third-party risk assessment to evaluate
vendors’ security in terms of technological, information,
Other awards related to the ESG aspects included The and cyber aspects.
Best Overall in Category Big Cap Public Listed Company
on The 14th IICD Corporate Governance Award 2023; By implementing sustainable finance principles, BNI
“Management BB”at ESG Disclosure Transparency Award has abundant opportunities to increase its value in
2023; Best Bank with ESG-Driven GCG Commitment at the financial industry. Not only focusing on profit,
CNBC Indonesia Awards 2023; as well as “Gold Rank” BNI also put put concern on social and environmental
at Asia Sustainability Report Rating (ASRRAT) 2023. impacts, supporting sustainable business programs,
BNI is resolute in its commitment to increasing the safeguarding environment, and contributing to the
sustainability performance as it can create shared people’s well-being. To benefit from the opportunities,
values for all stakeholders. BNI can maximize its potentials through granting
more financing scheme for eco-friendly projects,
Strategies to Achieve the Targets increasing competencies related to sustainable finance,
BNI has more opportunities to achieve the sustainability and implementing financing risk management by
targets with the existence of risk management. Hence, considering the ESG aspects.
there are strategies in place for managing opportunities
and ESG risks in an integrated manner. BNI has performed Closing
CRST to several sectors in the Corporate, Enterprise, We appreciate and extend our gratitude to the
and Commercial segment, among which are coal mining stakeholders who, together, have responded many
(including power plant), oil palm plantation, and pulp & challenges and contributed to optimal performance
paper. Currently, BNI is preparing the CRST process for achievements throughout 2023. BNI hopes that a
a wider scope, at least 50% of credit portfolio, including synergy and a positive collaboration can continously be
sectors required by OJK. maintained for the establishment of green banking and
a bright sustainable future.
Jakarta, February 2024
Royke Tumilaar
President Director
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Sustainability Report 2023
14 PT Bank Negara Indonesia (Persero) Tbk
About BNI
Vision and Mission
Vision
Becoming primest financial institution that excel
in services and sustainable performance.
Mission
• Providing excellent services and digital solutions to all customers, and as the primary
partner of choice.
• Strengthening international services to support the needs of our global business partners.
• Increasing the prime investment value for investors.
• Creating the best conditions for employees as a place of pride for work and
accomplishment.
• Increasing awareness and responsibility to the environment and society.
• Becoming a reference for the implementation of compliance and good corporate
governance for the industry.
Culture and Values
With the end goal of aligning the values that BNI owns, BNI carries out corporate culture transformation to support and
accelerate the implementation of AKHLAK in BNI. The core values of AKHLAK, as established by the Ministry of State-
Owned Enterprise, are Amanah (Trustworthy), Kompeten (Competent), Harmonis (Harmonious), Loyal (Loyal), Adaptif
(Adaptive), and Kolaboratif (Collaborative). These values have been internalized, with the continuing internalization
process through the acceptance and reinforcement of PRINSIP 46 as BNI’s Belief.
TRUS T WORTH Y LOYAL
Upholding the trust given Dedicated and prioritizing the
interests of the nation and
country
A DA P TIV E
COMPE TENT
Continuing to innovate and be
Continuously learning and
enthusiastic in driving and facing
improving capabilities
changes
HARMONIUS COLL ABOR ATIV E
Mutual caring and Cultivating synergistic
respecting differences cooperation
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Sustainability Report 2023
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Company Profile [2-1]
COMPA N Y NA ME BUSINESS AC TIVITIES, PRODUC T,
PT Bank Negara Indonesia (Persero) Tbk AND SERVICES
HE AD OFFICE ADDRESS Engages in the banking business as per
Grha BNI Articles of Association No. 23 of 20 April
Jl. Jenderal Sudirman Kav. 1 Jakarta 2021.
10220
Phone: (62-21) 251 1946 • Cooperative, Medium, and Small
I-Telex: 765185 BNI DLN IA Business Banking
Fax: (62-21) 251 1214 • Consumer Banking
Email: bni@bni.co.id • International and Treasury Banking
Website: www.bni.co.id
PO Box 1946 Jakarta Mampang 12700
OW NER SHIP PERCENTAG E OPER ATIONAL LOC ATIONS [2-6]
Operating in 8 countries, namely:
Indonesia, Singapore, Hong Kong, Japan,
General
Public England, America, South Korea, and the
40% Netherlands
SIG NIFIC ANT CHANG ES IN BNI
During 2023, significant changes were
made related to the organizational
Government of structure.
Indonesia
60%
M A RKE T S SERV ED [2-6]
Geographic markets served:
Indonesia, New York, London, Hong
Kong, Singapore, Tokyo, Seoul, and
Amsterdam.
Sectors and types of customers served:
• Cooperative, Medium, and Small
Business Banking
• Consumer Banking
• International and Treasury Banking
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Sustainability Report 2023
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Company Scale [2-1]
Total employees Total customer accounts Operating Income
(People) (Million accounts) (Trillion Rp)
2023 2022 2021 2023 2022 2021 2023 2022 2021
27,570 27,170 27,177 69.1 67.6 64.6 62.7 61.5 55.9
Total office network Total ATM/CRM Total assets
(Outlet) (ATM) (Trillion Rp)
2023 2022 2021 2023 2022 2021 2023 2022 2021
1,781 1,808 1,855 13,390** 16,125 16,385 1,086.7 1,029.8 964.8
Total capitalization
Debt (Liability) Capital (Equity)
(Trillion Rp) (Trillion Rp)
2023 2022 2021 2023 2022 2021
932.0 889.6 838.3 154.7 140.2 126.5
Products and Services [FN-CB-000.A]
Current Account Savings Account Deposits Gross Loans
(Trillion Rp) (Trillion Rp) (Trillion Rp) (Trillion Rp)
345.5 695.1
242.7
233.2
232.0 223.1
314.6 646.2
281.4 224.7 582.4
212.0*
2023 2022 2021 2023 2022 2021 2023 2022 2021 2023 2022 2021
Note:
*) Restatement
**) The decline in ATMs in 2023 is due to the closure of ATMs that have obsolete operating systems. This is in accordance with regulatory provisions and aims to ensure
customer security and comfort in transactions.
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Sustainability Report 2023
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Support for
Sustainable Development Goals (SDGs)
Support and contribution towards the achievement of SDGs are aligned with the
management of economic and ESG aspects. BNI focuses on supporting SDGs within the
context of banking industry business that sustainably contributes positive impacts to
the community and environment, presently and future wise.
SDG Priority
2023 AChievements Strategy in Achieving the SDGs
BNI for Indonesia
• Total MSMEs loan as of the end of 2023 was Rp113.2 • Initiated the MSME Go Productive, Go Digital, and Go
trillion. Global programs.
• Subsidized Micro Loan (KUR) was realized at Rp17.8 trillion.
• 25,643 employees or 93.0% of total employees have • Included the sustainbility topic into e-learning
received competency awareness and/or development mandatory which all employees must follow once a
related to the sustainable finance. year.
• Developed ESG Framework & Roadmap as well as Net Zero • Disbursed green bonds based on the sector target of
Emission (NZE) targets. green bonds framework.
• Executed the Initial Phase of Climate Risk Stress Test (CRST) • Established SLL disbursement governance.
Phase 1 to several sectors, such as coal mining, oil palm • Improved the scope and methodology of financing
plantation, and pulp & paper. emission calculations.
• Total GHG emissions reduction was 233.749 tons CO2eq
from the green bonds.
• The Sustainability Linked Loan (SLL) disbursement was
realized at Rp4.6 trillion.
BNI for Customer
• No complaints were filed on data breach. • Implemented data security policy and heightened
• 2,723 ATM units were accessible for people with disabilities. BNI’s application and system security.
• 19.4% increase in BNI’s Mobile Banking users. • Added more ATM units for people with disabilities in
several remote municipalities/regencies.
• Provided Tips & Education for transaction security.
BNI for Environment
• 14.8 GJ/Rp of Energy Intensity. • Applied energy efficiency across all BNI’s offices.
• Scope 1, 2, & 3 emissions intensity of business trips • Used solar panels for stairwell emergency lighting at
amounted to 0.00000045579 tons CO2eq/Rp. Plaza BNI.
• Decided on the 2028 target for net zero emission
(NZE) operational.
• Strengthened BNI’s operational emission data
infrastructure.
• Planted 88.023 trees. • Expanded the trees planting coverage area.
• Conservation program for 2 orangutans • Conserved critically-endangered orangutans and
• Conservation program for 81 rhinoceros in Ujung Kulon rhinoceros.
National Park (TNUK)
BNI for Community
• Social and environmental responsibility (TJSL) funds • Collaborated with professional and competent partners
were realized at Rp129.8 billion. to organize community empowerment programs.
• 8,201 fostered houses of Rumah BUMN were established. • Collaborated with communities (community
development) to improve program quality.
• 778 scholarship beneficiaries accumulated as of the end of
• Increased the capacity and capability of fostered
2023.
partners through providing education, training,
• Built an infrastructure for 99 schools or educational
apprenticeships, marketing and other forms of
institutions and provided facilities and infrastructures in
assistance.
BNI’s areas.
BNI for Employees
• 52.2% of total employees were female employees. • Provided equal opportunities for men and women
• 30.8% female employees occupied positions above manager who entered for the same position.
level. • Used KPI-centered performance evaluation to all
employees.
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Sustainability Report 2023
18 PT Bank Negara Indonesia (Persero) Tbk
External Initiatives and Association Memberships [2-28]
As part of the Bank’s support in • Global Reporting Initiative (GRI) Standards;
implementing Sustainable Finance and • Sustainable Development Goals (SDGs);
sustainability principles, BNI adopts • European Foundation for Management Development
principles and/or standards related to (EFMD) Global CLIP (Corporate Learning Improvement
the economic, social, and environmental Process); and
aspects, which include: • International Organization for Standardization (ISO).
Details of certifications owned:
No. Certification Validity Period
1 ISO 9001:2015 The provision of trade processing services 23 December 2020 – 10 January 2024
2 ISO 9001:2015 Quality Management System on IT Operating Services 23 November 2023 – 26 September 2025
3 ISO 27001:2013 Information Security Management Systems 8 January 2020 – 26 September 2022
4 ISO 9001:2015 Provision of in-House Learning and in Learning/Digital Learning 26 March 2023 – 9 March 2026
for BNI Employees
5 ISO 9001:2015 Quality Management System for Banking Operations for 18 November 2021 – 5 November 2024
Guarantee Letter, RTGS, Remittance Services, Credit and Debit Clearing, Credit
Administration, Card Production & Distribution, State Financial Transaction,
Custodian Services, Jabodetabek Central Cash Services, Treasury Transaction
Services, Trustee Services, and Central Foreign Banknotes Services
6 ISO 9001:2015 Quality Management System for Contact Center Services in 02 August 2023 – 13 March 2026
BSD, Surabaya & Semarang Site
7 ISO 9001:2015 Quality Management System for HPS Unit 11 December 2023 – 11 November 2026
8 ISO 9001:2015 Quality Management System for Vendor Management Unit In the assessment process for extension
9 ISO 9001:2015 Provision of BNI Credit Cards Business 30 June 2021 – 26 June 2024
10 ISO 37001:2016 Anti-Bribery Management System 1 January 2024 - 31 December 2026
11 ISO 30301:2019 Management systems for records for Archiving Unit 20 December 2023 - 19 December 2024
12 New Building Greenship Certificate V.1.2
• Gedung Menara BNI In the process of renewal
• Plaza BNI 26 October 2022 - 26 October 2025
13 BNI Corporate Training Institution Accreditation - Training Provider Accreditation Authority
• Penukaran Valuta Asing dan Pembawaan Uang Kertas Asing 16 November 2022 - 16 November 2027
• Penatausahaan Surat Berharga Nasabah 11 November 2021 - 11 November 2026
• Pengelolaan Uang Tunai 11 November 2021 - 11 November 2026
• Pengelolaan Transfer Dana 24 November 2021 - 24 November 2026
• Setelmen Transaksi Treasury December 2023 - December 2028
• Setelmen Transasksi Trade Finance December 2023 - December 2028
Association Memberships Related to Sustainability
United Nations Indonesia’s Indonesia Green Building Forum Human Forum Human
Environment Sustainable Finance Business Council Council Indonesian Capital Indonesia Capital Perbankan
Programme Finance Initiatives (IKBI) for Sustainable (GBCI) (FHCI) Indonesia (FHCPI)
Initiatives (UNEP FI) Member/Founder Development Member Member Member
Member National (IBCSD) National National National
International Member/Founder
National
Page 21
Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
19
About the Sustainability Report [2-2, 2-3, 2-4, 2-5]
BNI’s Sustainability Report is prepared annually Relevant work units are responsible for the verification
for the interest of all stakeholders and discloses of data and information used. However, data regarding
information on the implementation of sustainable the sustainable business activities category (KKUB)
finance and environmental, social, and governance portfolio solely comes from BNI.
(ESG) performance. The previous year’s report was
This report indicates significant changes made towards
published on 24 February 2023. This report elaborates
information stated in the previous year and they are
on information and data for the 1 January - 31 December
related to the organizational structure, material topics
2023 period. Below are the regulations and standards
priority, and several data restatement. There was data
used in developing the Sustainability Report:
from the previous year that was presented again, due to
1. Financial Services Authority Circular (SEOJK) No.
changes in the scope of calculations and changes in the
16/SEOJK.04/2021 concerning Form and Content
way of presenting data from previously using 2 decimal
of Annual Reports and OJK Regulation (POJK) no.
digits to 1 decimal digit.
51/ POJK.03/2017 concerning the Implementation
of Sustainable Finance for Financial Services
Composition of the sustainability report has taken
Institutions, Issuers and Public Companies;
into account the principles of balance, comparability,
2. Global Reporting Initiative (GRI) Standards 2021
accuracy, timeliness, clarity and reliability. Preparation
with the conformity: with reference to the GRI
of the sustainability report was coordinated by the
Standards;
Enterprise Risk Management Division, acknowledged
3. The GRI-G4 Financial Services Sector supplementary
and supervised by the Steering Committee consisting
indicator;
of the Board of Directors. Based on the policy Based
4. Sustainability Accounting Standard Board (SASB) of
on the Goods and/or Services Procurement policy, BNI
the Financial Services Sector;
has appointed SR Asia Indonesia as an independent
5. Sustainable Banking Assessment (SUSBA) World
party to provide assurance for this report. The basis for
Wide Fund for Nature (WWF);
appointing this independent party is that the institution
6. Sustainable Development Goals (SDGs).
has been registered with AA1000 and is one of the
institutions with experience in sustainability report
This report adjusts its information disclosure based on
assurance services in Indonesia. This guarantee aims
ESG-based rating agency criteria, such as Sustainalytics
to ensure that the quality of this report meets the
and Morgan Stanley Capital International (MSCI). BNI’s
principles of sustainability reporting and the standards
head office and branch offices in Indonesia provide
used by verifying the data and confirming it from all
all data and information required for the report. In
data contributors. The standard used in this guarantee
terms of financial information disclosure, it includes
process is Standard AA1000AS moderate level type 2.
the consolidated financial data from several BNI’s
The guarantee process and selection of guarantors are
subsidiaries, namely PT BNI Life Insurance, PT BNI
carried out independently so that it is ensured that there
Multifinance, PT BNI Sekuritas dan its Subsidiaries,
is no conflict of interest between BNI and the assurance
PT Bank Hibank Indonesia, and BNI Remittance Ltd.
service institution. The guarantee results report can be
seen at the end of this report.
Rayendra Minarsa Goenawan
You may please visit our official Enterprise Risk Management Division
website to find more information PT Bank Negara Indonesia (Persero) Tbk
about BNI. For further information, Grha BNI, Lt.26
inputs and suggestions for the Jl. Jenderal Sudirman Kav.1 Jakarta 10220 Indonesia
improvement and progress of this Phone : (62-21) 572 8544
report, please contact: E-mail : esg@bni.co.id
Page 22
Sustainability Report 2023
20 PT Bank Negara Indonesia (Persero) Tbk
Material Topics Managed by BNI
Material topics are arranged based on issues and information that were significant in the reporting year. There are
changes to material topics from the previous year. Material topics are adjusted to activities and issues that have a
significant impact occurring in 2023. We involve management and independent observers in determining topics as
priorities. The principles of stakeholder management, sustainability context, materiality, and completeness were
taken into account upon determining the material topics. Factors affecting the Bank and stakeholders’ decision
making have been identified through the material topics mapping process.
Process of Determining Material Topics [3-1]
Performing identification and assessment on business impacts by reviewing
the sustainable finance principles by involving stakeholders.
01 02 03 04
Understanding BNI’s Identification Asessment Priority Topic
business process Identifying positive and Assessing the importance level Determining the priority
Understanding the negative impacts along with of each of the Bank’s activities, based on the most significant
process of BNI’s actual and potential impacts mainly from the financing impacts to be conveyed in
business activities to from the Bank’s business and services aspects. In the sustainability report. This
identify the impacts of process by considering conducting the assessment, BNI activity involves the ERM
business activities. This references of financial sector management has considered Division and considers input
involves discussions standards, such as GRI, SASB, risks, opportunities and from investors.
with accompanying and SUSBA. challenges related to economic,
ESG consultants and social and environmental
independent observers. aspects.
Material Topics Priority [3-2]
Economic Performance and Data Security and
Climate Resilience
Green Portfolio Management Cybersecurity
• Economic • Climate-related Governance • Data Security
Performance • Climate Risk Management Strategy • Customer Privacy
• Credit Portfolio • Climate-related Risk Management • Cyber Risk
• Green Portfolio • Climate-related Matrix and Target Management
• ESG Risk • GHG Emission Calculation from Financing
• Energy and Emission Reduction
Management Response to Feedback to the Previous Year Report
We are grateful for the feedback provided by stakeholders and ESG rating agencies regarding the 2022 Sustainability
Report. Several things need to be considered, including the delivery of publication material that is more relevant and
concise, but can convey BNI’s overall ESG developments, as well as complement the Report information Sustainability
as a step in the initial adoption of IFRS S1 and IFRS S2. In the future, BNI will continue to strengthen its commitment
and provide information to meet the stakeholders’ expectations.
Page 23
Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
21
01
BNI
FOR INDONESIA
Page 24
Sustainability Report 2023
22 PT Bank Negara Indonesia (Persero) Tbk
Digital Banking
Through technology advancements, BNI uses its potentials to Digital Transformation
increase value for the clients amidst the constantly-moving
to Promote the Banking
technology and digitalization. In this modern era, the Bank
is committed to providing inclusive and sustainable financial Economic Performance
services, mainly through innovative financial products and BNI is committed to providing excellent
services. With digital transformation, BNI targets operational service for its customers through integrated
efficiency and increase in profitability. digital development. For better customer
experience, digital transformation is
Developments and innovations in the digital banking gradually implemented. A customized
services are consistently implemented in accordance with customer experience is built through digital-
policies and the needs of corporate and individual customers. based BNI outlets by adjusting the location
Digitalization and innovation become the interest and and characteristics of the outlet itself. With
responsibility of all stakeholders, starting from the business the three top digital products – BNI Mobile
units, operations, policies, including information technology. Banking, BNIDirect, and BNI Xpora – BNI’s
Giving solutions to business partners relating to business customers can perform transactions at ease.
developments and digital services guarantees added values
for the customers, with the support of the information Transaction Data from Digital Banking
technology task force and operational process which monitor
BNI Mobile Banking
quality for a sustainable and reliable end-to-end system at
BNI.
19.4% 74.7%
Growth in Number Transaction Growth
of Users
BNI Direct
46.9% 23.5%
Growth in Number Transaction Growth
of Users
BNI Xpora
Rp124 7.3%
Trillion Export Trade
Export Trade Growth
Volume
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
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Digital Banking Transformation
Last year, BNI acquired PT Bank Mayora as a business Up to date, there has been a year-on-year increase in
unit whose name has changed to PT Bank Hibank the use of digital banking services at BNI. An example is
Indonesia (hibank) and assumed the role of a digital BNIDirect, which is equipped with excellent features to
bank. This acquisition embodies the vision of becoming provide integrated transactions and financial solutions
a Leading MSME Digital Bank in Indonesia. for Business Banking customers, such as payment
management (tax, electricity, water, telephone, and
BNI’s focusing on guiding hibank through the other bills payment), collection management, liquidity
transformation process is for its capacity building as management, online trade, and foreign exchange
a Digital Bank that centers on the MSME segment, to transactions. Other features on BNIDirect, such as
be robust fundamentally to become Indonesia’s First online account information, online account opening,
Digital SME Bank and to be able to optimize the business giro multi-currency, overseas fund transfer, and
from a select ecosystem and community. Hibank is BNIDirect Overseas Branch Office (KCLN) help buttress
currently being prepared as a business growth engine the transactions through this platform.
for BNI group in long term, so that it will contribute to
significant profit to BNI Group. We continue promoting BNIDirect, BNI Mobile Banking,
and BNI Agen46 as a digital banking platform that fully
In 2023, hibank distributed financing to MSMEs through supports various segments from business banking,
fintech, such as Batumbu, Dana.id, and Amartha for term MSME, and individual, so as to give solutions to day-
loan products and supply chain financing by granting to-day-basis transactions under one integrated portal.
loans for suppliers or distributors from the principles Moving forward, BNI will release better new features,
(anchor). Moreover, hibank provides loans for developers such as single sign-on, financial dashboard, online &
participating in greening housing projects which are digital onboarding, and investment management.
being developed.
In developing digital banking innovation, we also
consider creating positive impacts, such as time
Developments of Digital Innovation efficiency in transaction, reducing vehicle exhaust
The evolving technology infrastructure and digital
emissions, increasing the resources allocation efficiency
innovation in BNI function to enhance the transactional
for customers and business partners, accommodating
capability, accommodate retail customers in running
customers upon accessing banking services, encouraging
daily activities, such as purchasing electricity token,
cashless transaction and promoting digital payment
paying bills, mobile top-up; and increase business
acceptance in the community, strengthening and
customers’ acceptance for cashless payments,
refining interaction channels for a better relationship
particularly on BNI Mobile Banking, BNIDirect, BNI
with the customer.
Trade Online, Financial Supply Chain Management
Platform, e-Bank Guarantee, BNI Open API, Merchant
These developments will stimulate growth in the
& QRIS, TapCash, BNI Merchant, and BNI Agen46.
number of transactions and the use of products, which
BNI is also active developing solutions for expanding
eventually will further generate profit and increase
partnerships through Open API platforms, H+0
banking performance as well as solidify trust from
Qris settlement, EDC Android 4G, AMEX principle
investors and shareholders in BNI.
acceptance, and China Union Pay on Acquiring BNI as
well as making advancements in the latest technology,
such as AI, blockchain, and metaverse to broaden the
business ecosystem and elevate customer experience.
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Sustainability Report 2023
24 PT Bank Negara Indonesia (Persero) Tbk
Sustainable Finance Implementation
Material Topic: Economic Performance and Green Portfolio Management
Our Approach [3-3]
A responsible banking practice includes sustainable finance implementation and a bankwide management in
the environmental, social, and governance (ESG) aspects. Referring to the sustainable finance practice, BNI runs
the business to achieve a balance between the economic performance targets and sustainability performance.
BNI also strives for green economy in the future through its business activities. Every year, BNI sets its targets
to increase the economic performance and green financing. The green portfolio target for 2023 is 5.2% with
realization of 13.6%. BNI launched a Sustainability Linked Loan which aims to push debtors to start energy
transition. The policy used to realize these targets is by performing an assessment on the prospective debtors
relating to their ESG aspects performance and formulating incentives for debtors with green projects in the
renewable energy sector, eco-friendly buildings, green vehicles as well as biological resources management and
sustainable lands.
The ESG aspects assessment in the loan granting process has been carried out by screening the initial ESG
risk in conjunction with BNI’s exisiting policies. The process involves Corporate Banking 1, 2, 3, and 4, the
International Division, Enterprise Banking Division, Commercial Banking Division 1 and 2, Institutional Banking
Division 1 & 2, Syndication and Structured Finance Division, Retail Productive Banking Division, Small Business
& Program Division, Corporate & Enterprise Credit Risk Division, and Commercial Credit Risk Division. Under
the responsibility of the Enterprise Risk Management Division, Corporate Planning Management Division, and
Policy Governance Division, BNI manages green portfolio and evaluates credit and loan-based policies regularly.
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
25
Economic Performance
In 2023, the economic performance recorded a 2.1% year-on-year growth (YoY) in the
operating income with 14.6% YoY profit growth. This happened due to the increasing
Interest Income, Premium Income, and the significant growth in Locan Recovery.
Economic Value Generated and Distributed (Billion Rp) In accordance with Law no. 7 of 2021 concerning
[201-1]
Harmonization of Tax Regulations, it is stipulated
Description 2023 2022 2021 that domestic taxpayers can obtain a rate of 3% lower
a. Economic value generated than the 22% rate that applies in the 2023 tax year. In
Interest income – nett 41,276 41,321 38,247
accordance with these provisions, in the 2023 tax year
BNI can fulfill the requirements to obtain a reduced rate
Premium income – nett 1,659 1,551 1,399
tax is 3%, so the tax rate used in calculating Corporate
Other operating income 19,812 18,600 16,219 Income Tax is 19%. With the tax incentives, in the 2023
Total 62,747 61,472 55,865 tax year BNI will pay Rp4,432 billion in taxes to the
b. Economic value distributed government. [201-4]
Operating cost (excluding 24,140 26,117 31,903
BNI’s approach to taxes in fulfilling tax obligations
employee salary)
is based on compliance with all applicable tax laws
Expenditure for employee 12,834 12,456 11,195
and regulations issued by the tax authorities. In
salary and benefit
implementing the management of tax obligations,
Dividend 7,325 2,725 820
monitoring and controlling taxes, BNI has established
Tax 4,534 4,205 1,574 a comprehensive and structured process, such as
Expenditure for 130 100 93 identifying, managing and monitoring tax risks through
community activities continuous monitoring and reconciliation. [207-1, 207-2]
Total 48,963 45,603 45,585
The main stakeholder in tax matters is the government
c. Economic value
13,784 15,869 10,280 through the tax authority. For this reason, BNI always
retained (A-B)
maintains good relations with the tax authorities,
but without being involved in public policy advocacy
related to taxation, or other efforts to influence the tax
BNI’s 2023 economic performance showed an increase authorities. BNI implements compliance with all laws
in the operating income of Rp62,747 billion, reaching and regulations issued by the tax authorities. Complete
93.1% of the target, while the net income of Rp20,909 information regarding taxation can be accessed in the
billion or reached 101.1% of the target. In other words, Annual Report and BNI Consolidated Financial Report
the operating income and net income increased by for the 2023 financial year which is published separately
2.1% and 14.2% respectively from last year. A total from this report. [207-1, 207-2, 207-3]
of Rp48,963 billion has been distributed to the
stakeholders through remuneration and benefits for the
employees, dividend for the shareholders, community
empowerment program, and other social assistance.
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Sustainability Report 2023
26 PT Bank Negara Indonesia (Persero) Tbk
Sustainability Portfolio
One of the targets of the sustainable finance implementation is increasing the loan
disbursements to the Criteria for Sustainable Business Activities (KKUB), which include
disbursing them to eco-friendly sector and MSME segment. Until the end of 2023, BNI
recorded total credit of Rp695,085 billion.
Credit Portfolio Based on Category (Billion Rp) [FS6][FN-CB-000,B]
2023 2022* 2021*
Types of Business
Total % Total % Total %
Corporate 310,392 44.7 255,639 39.6 229,028 39.3
Medium 109,625 15.8 112,462 17.4 99,132 17.0
Small 84,927 12.2 97,210 15.0 95,752 16.4
Consumer 124,487 17.9 109,602 17.0 98,991 17.0
International 56,611 8.1 67,405 10.4 58,446 10.1
Subsidiary 9,043 1.3 3,870 0.6 1,087 0.2
Total Credit 695,085 100 646,188 100 582,436 100
*) Restatement
Credit Portfolio of KKUB (Billion Rp) [FS8, FS10, FS11]
2023 2022 2021
Description
Total % Total % Total %
a. Renewable energy 10,216 5.6 10,872 5.9 9,528 5.5
b. Energy efficiency 14,460 7.9 14,033 7.7 17,746 10.3
c. Pollution prevention and control 3,855 2.1 4,003 2.2 5,098 3.0
d. Natural resources management and use of 26,599 14.7 19,695 10.8 14,004 8.1
sustainable land
e. Terrestrial and aquatic biodiversity 0 0 26 0.0 34 0.0
conservation
f. Eco-friendly transportation 2,317 1.3 2,020 1.1 - 0.0
g. Sustainable water and effluent management 572 0.3 314 0.2 2,856 1.7
h. Adaptation to climate change 0 0 0 0 - 0.0
i. Products that can diminish resources and 1,190 0.7 1,011 0.6 251 0.1
generate less pollution (eco-efficient)
j. Green buildings that meet nationally, 5,620 3.1 7,394 4.0 5,278 3.1
regionally, and internationally recognized
standards or certification
k. Other eco-friendly business activities 3,053 1.7 398 0.2 579 0.3
Total Financing Portfolio for the Category of 67,882 37.5 59,769 32.7 55,375 32.1
Eco-Friendly Business Activities
l. MSME Activities 113,224 62.5 123,165 67.3 117,011 67.9
Total Financing Portfolio for the Criteria of 181,106 100 182,934 100 172,386 100
Sustainable Business Activities (KKUB)
Note: Data coverage is only from BNI as the parent entity that carries out banking activities.
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
27
BNI’s green portfolio derives from loan disbursements in eco-friendly business activities (KUBL). In 2023, the
disbursements in KUBL were targeted to reach 5.2% increase from last year. The outstanding KUBL credit as of the
end of 2023 has reached Rp67.8 trillion or 107.9% from target. This amount increased compared to previous year
which amounted to Rp59.7 trillion.
Increasing the Financing in the New Realization and Impacts of
and Renewable Energy Sector [FS10] Distributing Green Bonds
BNI supports the government policies pertaining to BNI disburses funds from green bonds to projects that
the implementation of energy transition. By financing have met the prerequisites for funding and obtained
the power plant development projects based on the second-party opinion (SPO) from Sustainalytics relating
renewable energy. BNI has not identified debtors to the positive contributions made by the projects to the
performing the transition to gas-fired power plants environment. The funds collected from selling the green
from steam-fired power plants. Gas-fired power plants bonds are channeled to support business expansion,
are recognized to be more eco-friendly as they generate refinancing, and reprofiling funding by considering the
less GHG emissions. The following are several energy POJK 60/2017 (a minimum of 70% financing for eco-
transition projects financed by BNI: friendly business activities/KUBL).
BNI has allocated 77.0% of the green bonds yields to
Steam power plants to gas power plants
5 sectors in accordance with the following Framework:
or gas and steam transition projects;
1.4% 11.2%
Gas power plants developments, including gas
pipeline and infrastructure transmission or 15.3%
storage for energy support reserves; and as a
means to reduce the use of fuel by increasing
the use of gas as a cleaner energy source. 10.3% 61.8%
Supporting the new and renewable energy
production and optimizing biofuel (biodiesel or
biohydrocarbon), including Solar power plants
as a byproduct of the waste management.
Renewable Energy
Financing on solar power plants, water power Sustainable Transportation
plants, and geothermal power plant sectors,
Green Buildings
and other new and renewable energy as one of
Waste-to-Energy Management and
the sources of the energy transition program. Waste Management
Natural Resources Use and Sustainable
Land Use
On the other hand, BNI runs the cooperation scheme
of Public Electric Vehicle Charging Stations (SPKLU) of
Partnership Investor Own Investor Operate (IO2) from
PT PLN (Persero). The presence of SPKLU exhibits BNI’s
real contribution to stimulating the growth of Battery-
based Electric Motorized Vehicles (KBLBB) users in
Indonesia, which will positively impact the environment.
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Sustainability Report 2023
28 PT Bank Negara Indonesia (Persero) Tbk
Meanwhile, 22.9% was allocated for other green loan in accordance with POJK 60 of 2017. BNI monitors the impact
that may arise from the use of green bonds fund by the debtors and acknowledges any positive environmental
impacts, such as follows:
233,749 tCO eq 2
54,355.2 MWh
Total GHG Emissions Clean energy generated
Reduction
1,568,897 GJ
150,410 ton/year 314,387 ha Energy saving
Waste Management Land preservation
Further information on the projects funded by Green Bonds 2022 and the impacts
reported are presented in the 2023 BNI’s Green Bonds Report, available on BNI’s website
on the Environment, Social, and Governance webpage: https://www.bni.co.id/en-us/
company/bni-esg.
Sustainability Linked Loan (SLL)
In supporting the transformation toward sustainable The SLL disbursements in 2023 were realized at Rp4.6
business in Indonesia, BNI applies the Sustainability trillion to three major projects:
Linked Loan (SLL) financing. This program is designed
to encourage debtors to practice the ESG aspects in
their business operations. These debtors can submit
their KPI and SPT over the sustainability targets set Companies operating in the livestock sector
and food procesing industry: by determining
in accordance with the debtor’s business strategy and
environmental main performance indicators
have obtained a second party opinion (SPO) from an
related to the sustainability target achievements
appointed environmental expert. Accomplishing said to minimize the impacts of water pollution by
sustainability targets within the agreed timeline will building water recycling facilities in business sites.
be rewarded with incentives based on the agreement.
The criteria of debtors who are eligible for SLL are as
follows: Companies operating in the cement processing
industry: by implementing a sustainability
framework with a sustainability target of lowering
Having measurable commitments, policies, strategies,
the impacts of carbon emissions.
and/or track records of sustainability performance in the
Note: The SPT progress for these two companies is in line with the SLL
sustainability report, environmental monitoring report,
framework. Progress updates will be provided after reports from third
and/or similar documents. parties are released.
Having a SLL Framework documents that has received Companies operating in the steel processing
a Second-Party Opinion (SPO) from an Independent industry: by implementing a sustainability
Consultant with an accreditation from BSN and/or framework with a sustainability target of a better
KAN or other professionally-recognized accreditation ESG risk rating. One of the debtors had a significan
institutions. change in the ESG Risk Rating, from 42.1 Severe
Risk to 37.2 High Risk. We will continue to monitor
efforts to improve the debtor’s ESG risk rating so
Having Key Perfomance Indicators (KPI) and that debtor can achieve an increasingly better
Sustainability Performance Targets (SPT), which are rating in the future.
stated in the SLL Framework document.
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Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
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Supporting Micro, Small, and Medium Enterprises [FN-CB-240a.1, FN-CB-240a.2]
Acquiring more groups of MSMEs has become one of The government targeted there would be 10 million
the key driving forces in Indonesia’s economic recovery MSMEs with NIB by 2023. The MSMEs were provided
process. The outstanding MSMEs credit as of end of with a convenience so that they could level up wherein
2023 amounted to Rp113.2 trillion, and 38.9% of this the NIB could be obtained through an online single
amount was the Subsidized Micro Loan (KUR). The total submission (OSS). As of the end of 2023, the acceleration
BNI Xpora credit portfolio in 2023 was Rp33.9 trillion, of NIB issuance has been applied to 11,387 small-scale
6.4% of which was export-oriented KUR. debtors, or 3% of the total small-scale debtors, which
was 380,078 debtors, and the MSMEs with NIB have
Aside from giving support to financing, BNI also grown to 465% YoY.
facilitated the acceleration of MSMEs Level Up through
the issuance of Business Registration Number (NIB). BNI BNI has also mapped the financing of the MSMEs
collaborated with the Ministry of Investment/Indonesia segment, and it is evident that the majority financing
Investment Coordinating Board (BKPM) to carry out derived from environmentally-based MSMEs debtors,
socializations and guidance through webinars to help namely BNI Millennual SmartFarming (Rp29.4 billion),
accelerate the NIB creation. With this, the MSMEs are followed by BNI Desa Digital Khatulistiwa (Rp9.5 billion),
expected to grow rapidly and able to level up to the and BNI Program BNI Jejak Kopi Khatulistiwa (Rp4.5
export evel (Go Global). billion). Moving forward, BNI’s environmentally-based
financing portfolio is expected to continually increase
and bring greater contribution to green economy.
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Sustainability Report 2023
30 PT Bank Negara Indonesia (Persero) Tbk
Moving Together with Stakeholders
towards Climate Resilience
Material Topic: Climate Resilience
Our Approach [3-3]
BNI is more than a corporate citizen as it also supports the achievement of net zero emissions (NZE) and
climate resilience through its business activities. Such commitment is manifested through the management
of environmental aspect, both internally, through the bank’s financing and operational management, and
externally, by improving the environmental ecosystem’s carrying capacity. BNI has an ESG roadmap which
contains strategies to reduce GHG emissions and support NZE.
BNI’s effort to mitigate the climate change issues is by performing energy efficiency and emission reduction.
Our commitment of mitigating the climate change issues is also stated in the Efficiency Implementation
Stipulation No. JAL/2.2.1799, Space Lighting and Cooling Efficiency, and the Use of AC Inverter for Electricity
Cost Efficiency No. JAL/3/1317. BNI consistently gives encouragement related to energy efficiency and emission
management in buildings and offices managed. We also provide environmentally-based financing and perform
analysis of environmental credit risk.
BNI is currently developing a policy on climate-related financial risk management and working on an initial
adoption of the IFRS S2. This policy will be enforced under the Enterprise Risk Management Division which
directly answers to the Risk Management Director, then to be reported to the ESG Sub-Committee, which
is led by the Vice President Director. The policy for supporting NZE and climate resilience has become the
concern and object of monitoring of the top management. Throughout 2023, BNI has successfully strengthened
the green credit disbursements, run several initiatives to lower the GHG emissions arising from operational
activities, and performed GHG emission data inventory from financing.
The banking operational activities have no direct impact on the environment and the climate change; however,
if we grant financing to debtors’ business activities, the Bank will contribute to the environmental impacts. As a
result, BNI runs a credit portfolio management, is selective in financing sectors with high impact on the environment
by assessing the ESG risks, increases the KUBL financing, performs initiatives of GHG emissions reduction, as well
as gauges the GHG emissions from the financing activities. The Bank also actively supports the United Nations
Environment Programm Finance Initiatives (UNEP FI).
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31
Analysis of Climate-Related Financial Risks [201-2]
BNI has been attempting to conduct an initial adoption of the IFRS S2 to manage climate-
related risks and opportunities. This year, BNI developed a climate-related framework,
encompassing the governance aspect, strategy, risk management, matrix, and target. A
brief description of the framework developments is as follows:
1. Governance
The ESG performance management is in the ESG d. Developing financing scheme to support and
Management Department, which is under the Enterprise cultivate the green-based MSMEs ecosystem,
Management Division, and it was established in June such as Jejak Kopi Khatulistiwa – Social Forestry
2022 based on SK DIR No. KP/218/R of 17 June 2022. and BNI UMKM Ramah Lingkungan (BUMI).
The climate-related framework has the oversight of e. Financing the energy transition sector to
the ESG Sub-Committee, comprising of the members encourage transition towards clean energy.
of the Board of Directors and BNI’s SEVP, which are f. Performing an evaluation on the possibility of
also a part of the Risk Management and Anti-Fraud other sustainability-based bonds issuance.
Committee. A Supporting Staff Group (SSG) is also in g. Cooperating with a strategic partner to issue a
place for coordinating and implementing the climate- sustainability product for individual custoners,
related framework and has the membership of leaders such as eco-friendly credit card issuance
of relevant Divisions and Departments. together with WWF and recyclable credit card
issuance together with AMEX.
The monitoring and evaluation process of climate- h. Optimizing a waste savings program to
related risk mitigation are conducted through a increase students’ awareness of plastic waste
routine meeting organized by the SSG of the ESG Sub- management.
Committee, at least once every three months or when 2. Energy efficiency
needed for making decisions. The monitoring and a. Power-saving technology use.
evaluation results will be reported to the ESG Sub- b. Setting and optimizing the use of AC and lights
Committee for making decisions for any arising issues in the office buildings.
that require the Board of Directors’ Resolution. c. Using renewable energy in Gedung Plaza BNI.
d. Certified green buildings: Gedung Plaza BNI and
2. Strategy Menara BNI.
BNI has prepared a strategy for the climate-related e. Developing a waste management program to
framework implementation: minimize waste to landfill.
1. Development of sustainable products, such as: f. Optimizing online media for meetings.
a. Launching Sustainability Linked Loan to 3 Program nature-based solution
encourage debtors to implement ESG and have As of 2023, BNI has planted trees in 281.7 ha of land.
a green-oriented transition map. This tree planting program will continue as one of
b. Providing green loan incentives to stimulate BNI’s emission reduction programs.
green portfolio growth. 4. Coordinating with the Subsidiaries to align the
c. Disbursing green bonds for green projects ESG Framework implementation with the Net Zero
which are currently applied un 5 sectors, namely Roadmap inside the Subsidiaries.
Renewable Energy, Eco-friendly Transportation,
Green Buildings, Waste-to-Energy Management
and Waste Management, and Natural Resources
Use and Sustainable Land Use.
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32 PT Bank Negara Indonesia (Persero) Tbk
3. Risk Management
a. Building an infrastructure of emission data to e. Managing the impacts of physical risk in BNI’s
acquire operational emission data from all BNI’s operational offices practices Business Continuity
offices by the end of 2023 so that a periodic Management (BCM) in each unit, both in the
monitoring on emissions can be feasible. country and overseas, so that the Operational
b. BNI has identified sectors with high levels of Risk can be lowered during emergency conditions
emissions in the credit portfolio of Corporate, or natural disaster incidents. As stated in the
Enterprise, and Commercial segment, to which a Company Guidelines on the Procedure of BCM
portfolio arrangement through a Loan Exposure and Crisis Management Protocol (CMP), an
Limit (LEL) is applied to respective unit. organizational structure guideline of Crisis
c. Strengthening the Risk Acceptance Criteria for Management Team (CMT) is applicably effective
18 sectors in 2023. should a disaster occurs. Managing disaster with
d. Commencing an initial phase of Climate an Emergency Response Plan (ERP) has become
Risk Stress Test (CRST) in June 2023 for the a guide for Employees and Customers when a
Coal sector (including power plant), Oil Palm disaster occurs in BNI’s buildings/offices.
Plantation and Pulp & Paper. The CRST will be f. Physical risk assessment on debtors’ insurance
reapplied in 2024, covering a minimum of 50% of is conducted through a flood risk identification
the credit portfolio, including the prerequisities based on location. The identification process is
sectors by OJK. led by an independent consultant, and based
on the assessment results, a mitigation risk is
carried out in the form of loss insurance over the
collateral assets.
4. Matrix and Target
In 2023, BNI calculated the scope 1, 2, & 3 GHG emissions including from business trips and emission financing from
the Corporate segment, namely the International, Enterprise and Commercial credit portfolios. To ease the review
and preparation of NZE achievement strategy, BNI divided the NZE targets into Operational and Financing.
a. NZE Financing
BNI uses scope 3 GHG emissions data from financing activities, which encompasses
90.1% debtors of the Corporate segment, including the International, Enterprise and
Commercial credit portfolios by adopting a method developed by the Partnership for
Carbon Accounting Financials (PCAF).
BNI has identified the emissions generated from BNI’s financing for the economic sector and has categorized the
debtors into two categories, which are high- and low-level emissions based on the emissions generated in said
sectors compared to the financing’s debit balance in relevant sectors. The results of this mapping are the basis for
carrying out portfolio management and encouraging debtors to carry out the energy transition.
b. NZE Operational
In calculating the operational emission, BNI uses the data of scope 1, 2, and 3
emissions on business trips, which include the emission data of 5 Head Offices and BNI Net Zero
87.4% Regional/Branch Offices. In the scope 1 emission, BNI has calculated the Emission Target
operational emissions on the use of diesel fuel for generators and AC freon. In the
scope 2 emission, a calculation has been made on the use of electricity in all Head BNI has target to achieve
Offices and Regional/Branch Offices. Operational NZE by 2028
and Financing NZE by
2060
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Inventory of GHG Emissions from Financing Activities [FN-CB-410b.1]
To support our commitment to lowering emissions from financing activities, BNI has identified 3 GHG emissions
generated from its credit portfolio. In the long run, BNI will proceed with portfolio management, especially for industry
sectors with high emissions and encourage debtors in such sectors towards energy transition. Restrained financing in
certain sectors, such as fossil fuel-based power plants will ultimately comply with the stipulations and roadmap set by
the Government of Indonesia. There are also stipulations on ESG aspects that should be met by the debtors through Risk
Acceptance Critera (RAC) and for them to directly own and start a transition map. BNI Financing Emission Calculations
cover 90.1% of the total BNI portfolio for the the Corporate segment, including the International, Enterprise and
Commercial credit portfolios as of December 2023.
GHG Emissions from Financing Activities based on Credit Segment [FN-CB-410b.2, FN-CB-410b.3]
Outstanding Plafond GHG Emissions
Segment
(billion Rp) (Ton CO2eq)
Corporate 294,106.1 18,331,917
International 31,350.5 3,862,162
Enterprise dan Commercial 102,858.9 6,208,774
Total 428,315.5 28,402,853
EGHG Emissions from Financing Activities based on Business Sector [FN-CB-410b.2, FN-CB-410b.3]
Outstanding Plafond GHG Emissions
Business Sector
(billion Rp) (Ton CO2eq)
Processing Industry 123,868.2 12,680,249
Trading 43,303.8 3,486,964
Mining 17,181.4 1,077,915
Transportation, Transport Support and Warehousing 25,966.2 1,325,002
Electricity, Gas and Water 29,421.3 3,962,670
Coal Mining and Trading 20,448.7 1,934,287
Agriculture, Forestry & Fisheries 42,489.3 2,752,573
Real Estate 19,603.8 289,825
Construction 52,381.6 126,209
Other 53,651.3 767,159
Total 428,315.5 28,402,853
The GHG emissions calculation from financing adopts a method developed by PCAF. [FN-CB-410b.4]
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34 PT Bank Negara Indonesia (Persero) Tbk
ESG Risk Management in Financing [FS1, FS2, FS3][FN-CB-410a.2]
Risk management in banking activities is carried out prudently and by taking ESG
aspects into consideration. The Risk Management Director and Credit Committee
perform an assessment to the risks in financing activities. The Credit Committee has
officials authorized to decide on credits in stages. For any granted financing, monitoring
will follow and an approval will be requested to the credit committee during a periodic
review conducted at least once a year.
Process Flow of Pipeline Management based on ESG
Leader Generator Pre-Screening
Search for prospects through: Initial screening & character check
• Transaction data Reducing unqualified leads from the start with the following
• Referrals considerations:
• Cold prospect • Disaster risk per region
• Personal contact • Recognize the potential for disaster
• Priority industry sector associations • Priority in increasing portfolios outside potential disaster areas
(geographical, geological, hydrological and demographic)
Business Risk Acceptance Criteria
Acceptance • RAC per Industrial Sector with “Appetite” risks
Pipeline Committee
• Perform strict RAC per incoming Industrial Sector with
monitoring Green portfolio
flagging “Limited/No Appetite” risks
• Existing RACs take ESG aspects into account
Prior to granting financing to the prospective debtors, BNI exercises a series of proper tests for loan which involves cross
functions. The Internal Audit (IAD) assesses the adequacy of risk management and internal control in respected unit,
including in the loan process. Upon reviewing the loan proposal, we identify and monitor the ESG risks. The Bank also has
a credit procedure standard that requires AMDAL for mandatory business plans/activities, or Environment Management
Efforts (UKL) – Environment Monitoring Efforts (UPL) as per prevailing laws and regulations.
ESG Aspects Management in Loan Approval Process
Business Unit Compliance Division Credit Administration Unit/Credit
Conducts assessment Conducts C2R (Credit Compliance Review) to ensure that Operations Division Unit/ OPK Division
of identified risks and credit processes comply with all applicable regulations, (Credit Operations)
opportunities including laws and regulations on ESG. Documentation of credit administration.
Risk Unit (CER, CMR, and ERM) Credit Committee
The Risk Unit, by taking ESG factors into consideration, conducts the Conducts analyses against debtors/prospective
identification, measurement, mitigation, monitoring, and reporting debtors, covering all risks and risk mitigation by
function of the risks inherent in business activities by referring to considering the outcomes of the compliance test,
the Industry Risk Rating (IRR), Industry Risk Appetite (IRA), and Risk then deciding whether to approve and/or refuse
Acceptance Criteria (RAC) established by the ERM Division. The credit.
established stipulations have also taken ESG factors into account.
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35
Financing in Sectors with High Sustainability Risk
[FN-CB-410a.1, FN-CB-410a.2, FN-CB-550a.2]
The Bank follows a sector guideline that regulates minimum sustainability requirements that must be met,
prohibitions, and aspects that orient towards sustainability practices. Hence, BNI has 4 sectors identified with high
ESG risks, which are oil palm, mining, construction, and energy sectors. Several ESG risks assessment criteria required
by BNI are as follows:
Corporate and Enterprise Segment
Sector ESG Aspects Criteria
Oil Palm Plantation • Having RSPO or ISPO, or undergoing a process.
and Processing • Having AMDAL and other environment permits.
Industry • No social/environmental disturbances in the last 5 years.
Exclusively for the Oil Palm Processing Industry:
• Having at least a Blue PROPER rating after undergoing the assessment.
Metal Ore Mining BNI embarks on the mining sector through a selection, mainly for supporting the infrastructure
development and other strategic development sectors.
Mine Operator:
• At a minimum, having a Blue PROPER rating (after the assessment) from the PROPER Center or
Regional PROPER.
• Having a dedicated team for reporting to BoD to manage corporate social responsibility issues.
• No bad press about violations of local and international environmental regulations.
• Debtors/business groups have met or acquired a program that can be monitored for Qualitative
Factor Parameter of Enviromental, Social, and Governance (ESG) aspects mandated by BNI in
accordance with the regulations.
Smelter:
• Have obtained the environmental impact analysis (AMDAL) approval individually or under a business
zone.
• No bad press about violations of local and international environmental regulations.
• Complying with regulations on air & noise pollution, including dust dispersal.
• Complying with regulations on water, sediment, and wastewater treatment as well as hazardous
waste management.
• Managing social and cultural impacts on local communities.
• Conservation of wildlife/local habitat ecology management.
• Complying with the Manpower Law, both foreign workers (TKA) and local workers.
Metal and Metal Ore • Goods/products sold are not from illegal mining.
Trade • Partners/suppliers with no bad press on violations of local and international environmental
regulations.
Metal Industry • Have obtained the environmental impact analysis (AMDAL).
(Fabricator) • Raw materials are not from illegal mining.
• No bad press about violations of local and international environmental regulations.
• Complying with regulations on air & noise pollution, including dust dispersal.
• Complying with regulations on water, sediment, and effluent.
• Complying with regulations on hazardous waste management.
• Managing social and cultural impacts on local communities.
• Conserving wildlife/managing local habitats’ ecology.
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Sector ESG Aspects Criteria
General Construction • No social/environmental disturbances in the last 5 years, such as no land grabbing and decent land
and Toll Road compensation.
Construction • Complying with the Good Corporate Governance (GCG) regulations.
Additional requirement for General Construction:
• Meeting and complying with regulations of the construction sub-sector, which are: land use rights,
employee occupational health and safety, minimizing pollution, minimizing impacts of hazardous
substances, using/maintaining natural water sources.
Additional requirement for Toll Road Construction:
• Implementing the Toll Road Business Entities’ (BUJT) stipulations that ensure contractors and
subcontractors meet and comply with regulations on social environment and governance during the
construction of toll roads.
Power • Having obtained AMDAL or Environment Management Plan as per regulations for power sector.
• Having an OHS certificate or management plan (for debtors and contractors).
• No social/environmental disturbances relating to projects.
• Having met or undertaken a program that can be monitored for fulfilling the Qualitative Factor
Parameter on ESG aspects, regulated by BNI as per regulations.
Real Estate • No social/environmental disturbances in the last 5 years that impacted the business continuity.
• Conforming with the regional spatial plan (RT & RW).
• Appropriate land use (land suitability with its function based on the regional/regional master plan,
Basic Building Coefficient (KDB), Building Area Coefficient (KLB).
• Having obtained AMDAL or other environment permits.
Telecommunication • No social/environmental disturbances in the last 3 years that impacted the business continuity.
• Meeting the Good Corporate Governance (GCG) regulations.
• Having a permit from the local government on the erection of telecommunication towers or other
telecommunication infrastructures.
• Having obtained Building Permit (IMB) or other permits equivalent with IMB and AMDAL and other
environment permits.
Chemical Industry • At a minimum, having a Blue PROPER rating (after the assessment).
• No social/environmental disturbances in the last 5 years that impacted the business continuity.
• Having obtained AMDAL and other environment permits.
• Having an Occupational Health and Safety (OHS) management system certifications.
Cement Industry • At a minimum, having a Blue PROPER rating (after the assessment).
• No social/environmental disturbances in the last 5 years that significantly impacted the business
continuity, or terminate the business operations.
• Complying with the Good Corporate Governance (GCG) regulations.
Fast Moving Consumer • Environmental aspect: Companies to have AMDAL or other environment permits.
Goods (FMCG) • Social aspect: Companies to have Health, Safety, and Environmental (HSE) management system.
• Governance aspect: Meeting prevalent stipulations and permits in accordance with the types of
businesses.
• No social/environmental disturbances in the last 5 years that impacted the business continuity.
Hospital • Having ISO 14001 on environmental management system.
• No record of social/environmental disturbances in the last 5 years that impacted the business
continuity.
• No malpractice news that impacted the business continuity.
• Having a hospital waste treatment unit in accordance with government regulations.
Pharmaceutical • No record of social/environmental disturbances in the last 5 years that impacted the business
continuity.
• No news of fatal side effects of the medications produced or sold that impacted the business
continuity.
• Meeting the requirements stipulated by the regulators, including AMDAL or other environment
permits.
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37
In BNI, the oil and gas sector is recognized as limited appetite industry, thus the RAC are not specifically categorized.
Should there be any prospects in said sector, it will be selectively chosen, and priority is placed on key players with
above average performance, exercising ESG Path policy, contributing to the national production, and regarded as one
of the top 10 companies with mineral reserves in Indonesia. The majority of companies in the oil and gas sector are
centered on the mid-stream and downstream industries (advanced level of raw materials processing).
Commercial Segment
Sector ESG Aspects Crtieria
General Trade • No social/environmental disturbances in the last 2 years that impacted the business
continuity.
General Processing Industry
Export Import Trade
Chemical, Rubber, and Plastic • No social/environmental disturbances in the last 3 years that impacted the business
Industry continuity.
Accommodation Provider
Transportation
Oil Palm Plantation (Upstream) • Having RSPO/ISPO certificate or is undergoing a process of one.
• No social/environmental disturbances in the last 3 years that impacted the business
continuity.
• No negative news/issues on land burning or land grabbing.
Rental Services • No social/environmental disturbances in the last 3 years that impacted the business
continuity.
• Specifically for real estate sub-sector that have met and complied with the
regulations: land use rights, employee occupational health and safety, minimizing
pollution, minimizing impacts of hazardous substances, using/maintaining natural
water sources.
Healthcare Services and Social • No social/environmental disturbances in the last 3 years that impacted the business
Activities continuity.
• No news on malpractices that impacted the business continuity.
Construction • No social/environmental disturbances in the last 4 years that impacted the business
continuity.
• Meeting and complying with the construction sub-sector regulations, among which
are land use rights, employee occupational health and safety, minimizing pollution,
minimizing impacts of hazardous substances, using/maintaining natural water sources,
etc.
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Retail Productive Segment
Sector ESG Aspects Criteria
Domestic Wholesale
Retail Business
Food and Beverage No social/environmental disturbances in the last 2 years that impacted the business continuity.
Processing Industry
Chemical Industry
Export Import Trade
Public Transportation
Oil Palm Plantation • Planting zones are not located on peat soil and/or forest conservation.
(Upstream) • No social/environmental disturbances in the last 5 years that impacted the business continuity.
• No negative news or issues relating to land burning or land grabbing.
Construction • No social/environmental disturbances in the last 4 years that impacted the business
continuity.
• Meeting and complying with the construction sub-sector regulations: land use rights,
employee occupational health and safety, minimizing pollution, minimizing impacts of
hazardous substances, using/maintaining natural water sources, etc.
Accommodation Provider • No social/environmental disturbances in the last 3 years that impacted the business
continuity.
BNI ensures that financing is disbursed to sectors which are responsible, productive. and not damaging to the
environment. Therefore, the Banking Business Unit periodically performs monitoring through the watchlist system
and creates a rating. Every three months, the monitoring results are reported to Corporate & Enterprise Credit Risk
(CER) Division and Commercial & SME Credit Risk (CMR) Division. Moreover, each responsible unit is obligated to
perform internal audit of a sample of debtors as part of monitoring. In the event of an ESG aspect violation, BNI will
verify to the relevant parties and perform adjustments (downgrading) if the debtor is proven to be non-compliant
with ESG regulations. In 2023, there are no downgrading of debtors related to ESG.
Exclusion List
BNI does not grant financing to business activities
involved in the following acts:
Prohibited by the Illegal logging Forced labor, child Citizens rights Prohibited by the
Government exploitation, human rights violation Government if it
violation jeopardizes world
heritage sites
Politically exposed Narcotic drugs Weapons industry Gambling and money Protected animals
person (PEP) sale and and sale laundering trade
production
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Environmental Risk Management in Credit Portfolio [FS8]
Environmental risk will have direct impacts on climate change if unmitigated. Subsequently, BNI tightens the
supervision against any environmental risk arising from financing activities based on industry risk appetite and risk
acceptance criteria for environmental destruction prevention, including deforestation, the loss of biodiversity, forest
logging, flood, drought, and pollution.
BNI has also mapped the environmental risks of their debtors according to the Indonesia Green Taxonomy (THI). The
requirements of environmental risk management in respective countries vary, some of which are owning Roundtable
Sustainable Palm Oil (RSPO) and Indonesia Sustainable Palm Oil (ISPO) certificates for oil palm plantation, obtaining
PROPER rating for power plant, oil and gas, manufacture, and other mining sectors, as well as other environmental
management certificates, such as Forest Stewardship Council (FSC), ISO 14001, and Timber Legality Verification
System (SVLK).
Classficiation of Indonesia Green Taxonomy (THI) Debtors Based on Debit Balance
25.7% 17.0% 28.3%
24.8%
Debtors 11.5% Debtors
2023 2022
12.4%
37.1% 43.3%
Green (low risk) Yellow (medium risk) Red (high risk) Not yet categorized
Total Debtors Owning Environmental Aspect Management Certificate
Total Debtors
Sustainable Principles Certificate
2023 2022
RSPO/ISPO 49 33
Undergoing a process of obtaining RSPO/ISPO 9 36
Blue PROPER 50 52
Green PROPER 5 6
Gold PROPER 11 7
Timber Legality Verification System (SVLK) 16 5
Total Debtors 140 139
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Supervising the Debtors’ ESG Assessment [FS9]
The Company Guidelines (PP) for Business Banking Credit for the Corporate, Enterprise, Commercial, and Retail
Productive as well as the Company Guidelines for Organic Consumer Credit elucidate credit policy applicable
for each credit segment. BNI oversees payment timeliness, business prospects, and debtors’ financial condition.
The prudence principles include implementing debtors’ credit monitoring policy, periodic audit and portfolio
monitoring, non-performing loans management, and credit restructuring.
The Internal Audit (IAD) has audited debtors whose businesses have potential negative impacts against the
environment. During the reporting period, audits have been conducted to 52 debtors of the Corporate segment
whose businesses operate in the transportation, cement, construction, real estate, man-made fiber, oil & gas,
telecommunication, power, oil palm plantation, and chemical sectors. The audit is performed annually and
thematically.
Escalation of Non-Performing Loans based on the ESG Aspects
The monitoring process of debtors’ credit is periodically • In running its businesses, BNI can request or
conducted across all aspects. If a violation has been cooperate with external parties deemed competent
made against the Bank’s stipulations during the credit and independent.
period, an analysis is required to identify the cause and
impacts. Temporary and low-impact violations will After verifying the intensive communication and
be handled with a relevant unit to assist and ensure coordination as well as the in-depth analysis, BNI
the debtors meeting the Bank’s stipulations, whereas continues with making follow-ups in accordance with
permanent and high-impact violations will be managed the loan agreement for debtors and/or prevalent
by a relevant unit to which then suggested to the regulations, which are as follows:
authorized credit committee in accordance with the • Limiting the completion time in resolving the ESG
credit limit if necessary. aspects-based issues if the analysis done by BNI
states that debtors has the capacity to resolve said
As per company’s guidelines and policies on credit, issues.
debtors and/or prospective debtors alleged problematic • Imposing penalties or increasing the interest rate
or proven to be difficult according to the ESG aspects, should the ESG aspects-based issues potentially put
BNI remains compliant and performs the following BNI at a material loss.
initiatives: • Temporarly terminating or inactivating credit
• Business Unit and Risk Unit verify any alleged issues facilities for debtors or delaying up to terminating
related to the ESG aspects involving debtors and/or the process of credit application for prospective
prospective debtors as well as credit facilities which debtors until said alleged ESG aspects-based issues
have been and/or will be given. are clarified or resolved.
• Business Unit and Risk Unit along with other relevant • Requesting debtors to settle the credit facilities.
BNI Divisions launch intensive communication • Other measures in line with BNI’s analysis results or
and coordination with debtors and/or prospective recommendations made by the external party.
debtors and relevant external parties as a follow-up
to the ESG aspects-related issues allegations.
• Business Unit and Risk Unit comprehensively analyze
issues concerning the ESG aspects and their impacts
to debtors and/or prospective debtors (among which
are financial and operational performance, solvency,
and reputation) and BNI (including securing the
credit of collateral assets, reputation, and potential
lawsuits).
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Climate Risk Stress Testing (CRST) [FN-CB-550a.2]
BNI supports the Government in exercising the resiliency test against climate change and environmental risks as part
of OJK’s activities in assessing the Bank’s readiness for better risk management. In 2023, an initial phase of climate risk
stress testing (CRST) was carried out with different scenarios for each debtor. The CRST method used was Network
for Greening the Financial System (NGFS) which entailed orderly, disorderly, and hot house world scenarios with the
2025, 2030, 2040, and 2050 time horizons. The scope of risks measured was credit risk. CRST coverage focused on the
Corporate, Enterprise, and Commercial segments for sectors with high impact on the environment, namely the Coal,
Power Plant, Palm Oil Plantation and Pulp & Paper sectors which cover 10.4% of BNI’s total portfolio.
01 02
The CSRT results showed
On all three scenarios, the coal mining sector The oil palm plantation and pulp
that there are impacts was the highest impacted sector, and that & paper sectors highly impact the
arising from NGFS three Expected Credit Loss (ECL) should be relatively disorderly and hot house world
scenarios in each sector: high along the time horizon stress test. scenarios for the 2050 time horizon.
Currently, the Bank is honing in on the data assumptions and CRST calculation methodology so that BNI can improve
the quality of CRST results and perform a stress test for all industrial sectors. In 2024, the CRST implemented will
include 50% of BNI’s portfolio as per OJK’s directives.
Initial phase Follow-Up –
– CRST BNI 2024 Piloting
2023 CRST
NGFS Scenario Complementing the scenario and portfolio scope:
Orderly, Disorderly, and Hot House World.
Stress test period NGFS Scenario
2025, 2030, 2040, 2050 • Orderly: Net Zero 2050, Below 2oC
• Disorderly: Delayed Transition, Divergent Net Zero
Portfolio scope
• Hot House: Current Policy, NDC
• Using three economic sectors, namely coal mining,
including Power Plant, oil palm plantation, and Portfolio scope
Pulp & Paper in the Corporate, Enterprise, and • Consumer loan: mortgage
Commercial segment. • Productive loan from six economic sectors, namely:
• The scope of the data reached 11% of BNI’s credit • Agriculture, Forestry, & Fisherles
portfolio. • Mining & Excavation
• Electricity, Gas, Steam/Hot Water, & Air
Risk Factors
Conditioned Procurement
• Physical Risks: floods & forest fire.
• Construction
• Transition Risks: change in carbon price, climate-
• Transportation & Warehousing
related policies, commodity price, and fuel price.
• Manufacture
• The scope of the data covered 50% of BNI’s credit
portfolio.
To assess the physical risks on BNI’s operational risks, as mandated by OJK, an assessment should be undertaken by
BNI on floods and drought risks. BNI also analyze the 2021 Indonesian Disaster Risk Index (IRBI) data and the bank’s
Disaster Monitoring Data.
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42 PT Bank Negara Indonesia (Persero) Tbk
The IRBI data shows that 70% of BNI’s offices locations Therefore, it can be concluded that the potential
are situated in regencies with a high-level Disaster Physical Risks instigated by Floods and Forest Fire
Risk Index for climate change-inflicted disaster, i.e. against BNI’s Operational Risks are relatively low.
floods. According to BNI’s Disaster Monitoring Data, Digitizing BNI’s services and transferring services to
not many locations of BNI’s buildings/offices in the the nearest branches are among the mitigation risks to
aforementioned regencies were inundated by flood ensure customers’ transactions and banking activities
in the last 5 years. The floods-stricken locations were run smoothly despite the ongoing disaster. There is also
only inundated within less than three days and did insurance that covers the assets loss of BNI’s buildings if
not hinder the bank’s operational activities. Moreover, costs are associated with the disaster-inflicted damages
BNI’s buildings/offices are located in municipalities/ on BNI’s buildings/offices.
regencies, hence they are not exposed to the risk of
forest fire disasters.
Responsibility for Financial Products and/or Services
Products/Services Evaluated as Safe Positive and Negative Impacts on
for Customers [416-1, 416-2][FS15] Sustainable Financial Products/
Services
All (100%) of the financial products/services and features Prior to launching financial products and/or services,
launched by BNI have been evaluated for safety for the Bank always considers the impacts and the risks. In
customers. BNI is responsible for ensuring the security developing a financial product or service, it is necessary
of customer privacy in using the financial products and/ to have a minimum ESG risk and negative impact, yet
or services. Several divisions involved in the evaluation maximum positive impacts.
are the Compliance Division that ensures compliance
with regulations in Indonesia; the Legal Division that Financing disbursements through programs, such as
identifies and analyzes the legal aspects as an endeavor green loan, BUMI program, Jejak Kopi Khatulistiwa,
to mitigate legal risks towards the financial products Sustainability Linked Loan, and financing in energy
and/or services; the Enterprise Risk Management transition have brought positive impacts to environment
Division that analyzes the mitigation of risks arising by encouraging debtors to meet the clean energy
from the financial products/services; as well as the transition and other environmental aspects. Green
IT Unit that inspects the financial products/services, bonds disbursements had an impact on reducing
whether from the operating procedure or technological emissions by 233,749 tCO2eq, producing clean energy of
aspect, and conducts Post Implementation Review (PIR). 54,355.2 MWh, waste management of 150,410 tonnes/
year, saving energy consumption of 1,568,897 GJ and
The PIR results will determine the subsequent process preserving land covering an area of 314,387 ha.
wherein if PIR results still comprises deficiencies, the
PIR will be repeated. The products and services meeting Moreover, financial inclusion program through a waste
the requirements of the operational, technological, and savings program increased the environmental awareness
risk aspects based on the PIR results will be submitted of students and communities. The BNI Agen46 that
to Bank Indonesia and the Financial Services Authority have reached remote, foremost and outermost (3T)
to receive further approval before they are launched for regions also reinforced the banking services for areas
the public. In 2023, there were zero complaints made on and communities with limited access to them. However,
BNI’s new financial products and/or services, hence no there were negative impacts and risks in using digital
retractions. banking products and services, such as data security,
customer privacy, and cybercrime. Thus, the Bank relied
on the adequate IT infrastructure to strengthen the data
security system.
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Fair Operating Practices and Competition [2-27, 206-1][FN-CB-510a.1]
The Bank is committed to implementing fair operating principles in accordance with laws, regulations, social norms,
and Code of Conduct. Fair operating practices are conducted by effectively managing intellectual assets, cultivating
fair relations with stakeholders, eliminating conflict of interest with suppliers, competitors, and other relevant
parties and applicable both internally and externally. Furthermore, BNI also participates in healthy competition
by complying with antimonopoly laws. In 2023, no criminal and/or civil cases filed against BNI and no sanctions or
penalties imposed pertaining to alleged negligence against regulations on unfair competition practices.
Upholding anti-corruption, anti-bribery, and anti-fraud
01 in the work environment.
Respecting and supporting intellectual property
02 protection.
Implementing fair trade practices and avoiding
03 monopoly, maintaining mutual trust and fair
relations with business partners/suppliers/vendors
Several forms of fair in accordance with the code of conduct and integrity
operating practices pact.
conducted by BNI are:
Complying with regulations and paying taxes to the
04 Government in accordance with accurate calculations.
Maintaining supply chain sustainability in various sectors,
05 such as HC management, development of products and
services, and information technology development, by
continuing to take regulations and policies to manage
human rights issues, customer privacy, and environmental
preservation into consideration.
Not contributing to politics and not
06
engaged in politics.
Apart from these, BNI is not involved in political affairs, whether in the form of money
or goods, directly and indirectly. All BNI employees are not a part of any political parties
nor do they run for a political party. [415-1]
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Sustainability Report 2023 44 PT Bank Negara Indonesia (Persero) Tbk 02 BNI FOR CUSTOMERS
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45
Data Security and Customer Privacy Protection System [FN-CB-230a.2]
Material Topic: Data Security and Cyber Security
Our Approach [3-3]
Alongside advancements in digital transformation, BNI develops digital banking services capable of providing
convenience for customers. Correspondingly, the Bank needs to manage the risks and opportunities arising
from advances in technology and digitalization relevant to data security and protection of customer privacy
from cybercrime. Endeavors to manage data security and customer privacy protection are also part of BNI’s
commitment to respecting human rights.
The technological infrastructure development and digital innovation uses the approach based on data analytics,
customer experience, and cooperation expansion balanced with strengthening the data security management
system. BNI complies with regulations pertaining to customer privacy protection as per OJK Regulation No. 1/
OJK.07/2013 on Consumer Protection in the Financial Services Sector and Law No. 27 of 2022 on Personal Data
Protection. BNI’s target and commitment are zero data breach. Data security and customer privacy are integral
parts of the data security management system, which is the responsibility of the Chief Information Security
Officer (CISO) Division under the supervision of the Technology & Operations Director. Furthermore, BNI has
the Technology Management Committee with the authority to give recommendations to the Board of Directors
on the formulation and establishment of policies and strategies for BNI’s information technology development.
As a result of monitoring and evaluation in 2023 relevant to data security and customer privacy, BNI did not
face any cases of complaint regarding data breach. Additionally, there were no reports pertaining to the misuse
of customer data by any third party. [FN-CB-230a.1]
To safeguard customer data security, BNI implements All mitigated incidents are filed in incident reports
layered protection through the people, process, and results of the analysis are used for learning
and technology approach. In the people aspect, material and in creating future improvement plans.
BNI continues to improve employee knowledge and BNI also has a Cyber Security Incident Response
awareness on information security via the media of Team (CSIRT), which proactively handles all internal
desktop wallpaper, newsletter, and BNI’s internal response incidents.
platform. Moreover, BNI also implements an awareness • Identification of suspicious activity or cyber-attacks
program for customers on the subject of information for quick prevention. Threat hunting and takedown
security through BNI’s social media, messenger, and of fake websites impersonating BNI. Furthermore, as
official website. Regular reviews and assessments a preventive action and to minimize the occurrence
ensure the optimum implementation of customer data of fraud, the Cyber Threat Intelligence Team also
security. BNI invests in technological advancements to managed to report 7,266 Debit Cards indicated to
protect the Bank’s internal and customers’ information enter data on fraudulent websites.
security, which include the following steps:
• A sophisticated Security System by the BNI Security
Operation Center (SoC). 24/7 active monitoring by the
SoC detects security threats swiftly and efficiently,
covering Endpoint, Network, Application, and Server.
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46 PT Bank Negara Indonesia (Persero) Tbk
• An education program on information security for • Implementing the Network Access Control (NAC) to
employees and customers with the aim of improving improve control and management of network access
comprehension on the topic of security risks. Through from unauthorized access and devices non-compliant
continuous education, BNI encourages safe practices, with BNI standards.
including not sharing security information, such as • Using encryption technology in protecting internal
passwords and PINs. The bni.co.id website provides and customer data from potential threats to protect
Tips & Education for transaction security (Internet the security of stored and sent data and keep
Banking, ATM, SMS Banking, Mobile Banking, and information safe from unauthorized parties.
others) • The development of new products, applications,
• To protect customer transaction security, BNI and services undergoes the Software Development
implements fraud detecting technology on Life Cycle (SDLC) process, successive end-to-end
transactions deemed to be suspicious to defend process from the security aspect, including security
customer convenience and security in making and risk assessment, design security review, code,
transactions. confihguration, and penetration testing.
• Routine security audits evaluate system effectiveness • Implementation of security assessment to identify
and identify areas for improvement. security gaps or vulnerabilities in applications using
• BNI integrates data protection in developing products Penetration Testing, Vulnerability Assessment, and
and services on offer, such as engaging the security Application Security Testing (SAST, DAST).
and data privacy team in the development process
to ensure compliance with prevailing standards and BNI invests into ensuring high security levels in
regulations. managing internal information and protecting customer
• The Data Loss Prevention (DLP) system is interests. The Bank maintains the reliability of the digital
implemented at BNI as perimeters to protect data system by adopting the cyber security framework and
from the threat of credential data theft and illegal other international standards, such as implementation
access to confidential data. of the 27001 ISO and NIST (Identify, Protect, Detect,
• Implementation of the Endpoint Detection and Respond, Recover). In 2023, there were no complaints
Response (EDR) to monitor endpoint activities in based on privacy violation or customer data loss. [418-1]
real-time and respond to security incidents and
potential threats.
Customer knowledge must be improved in the effort to prevent data
leak and cyber crime. As per OJK directions, BNI educates customers on
customer data protection via various channels. The Bank also conducts
security awareness (customer data confidentiality) socialization and
urges customers to always protect the confidentiality of personal
information, such as transaction PIN and OTP as well as immediately
contact the Bank’s call center in the event of the card being missing or
stolen or irregularity in transaction.
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Customer Personal Data Protection
Efforts to protect customer data and privacy are Every violation of this policy is monitored by the
supported by all BNI Hi-Movers through compliance Employee Violation Processing Unit and will be followed
with the Code of Conduct. The Code of Conduct up by the Internal Audit Unit (IAD), and in the event of a
regulates that all employees are prohibited from buying violation, sanction is imposed by the HCE Division. This
and selling customer data and every data modification is evidence of the Bank’s commitment to protecting
must be in accordance with the authorization given customer information security and giving maximum
by customers. Furthermore, the Bank also has policies protection of customer rights. Each customer can also
concerning customer rights, which include the right control their data by visiting the nearest branch office
to access, correct, and file a request to delete data or with security using the KTC process.
update data. The following are data protection policies
at BNI: The Bank simultaneously conducts efforts to secure
customer data by improving employee awareness in
handling customer complaints concerning financial
• Data Security Standards Based on data. The Bank also gives training on consumer financial
Classification; protection to permanent and contract employees as
• Procedure for Data Classification necessary in 2023 with the following topics:
and Security;
• Technical Guidelines for Data
Classification and Security;
• Procedure for Encryption Standards;
• Customer Protection
• Procedure for Endpoint Device
Implementation to Improve
Security;
Customer Experience;
• Application Security Standards;
• Implementation of Consumer and
• API Access Security Standards;
Public Protection;
• Procedure for the Settings of
• Responsibility of the OJK and the
System and Information Security in
Bank in Consumer Protection by
Cooperating with Third Parties.
Improving the Anti-Awareness
Knowledge of Employees;
• International Seminar on Customer
Protection;
• Monitoring of Market Conduct and
BNI also has the minimum policy of data deletion for Consumer Protection;
customers who have closed their accounts. The policy is • Implementation of Personal Data
formulated in the Procedure for iCONS Data Retention Protection: Documentation of Proof
and Company Guidelines on Archives, which regulates of Relationship.
the deletion of unused or expired data. Data erasure is
automatically done by the system periodically.
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48 PT Bank Negara Indonesia (Persero) Tbk
Use of Data for Third Party Interest Data Protection of Suppliers and
Business Partners
BNI has internal stipulations granting the right to all The data security management system is also
customers to control their personal data. On account implemented on the data of suppliers and other business
opening, the form contains a stipulation asking the partners. BNI has an e-procurement system equipped
approval of prospective customers for the Bank to with an IT infrastructure supporting the data security
hand over customer data to third parties (authorized of suppliers and business partners, including individual
institutions). Handover of data to authorized parties or and corporate personal data as well as transaction
institutions includes but is not limited to serving the activities and cooperation contract. Furthermore, if
purpose of taxation, justice in criminal and civil cases, suppliers and business partners have accounts at BNI,
investigation of criminal acts in the Capital Market then their personal data is automatically protected in
Sector, cases of criminal act in the Corruption Eradication accordance with prevailing customer data protection.
Commission, cases of criminal act of terrorism and
money laundering, including the heirs of customers, by
referring to stipulations of regulatory laws governing
the secrets of the Bank implemented through internal
provisions. Currently, stipulations concerning customer
data is under the provisions review process aligned with
the Law of Personal Data Protection.
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Preventing Cyber Attacks
and Information Technology Crimes
BNI is committed to strengthening the data security system and continuously conducting sustainable supervision in
facing cybercrime. BNI takes proactive steps in adopting the NIST Cyber Security framework to guarantee business
resilience against the threat of cybercrime and maintain operational continuity. Furthermore, BNI also takes reactive
steps by conducting the detection and investigation of attacks as well as system recovery. Additionally, BNI implements
the ISO 27001:2013 Open Application Programming Interface (API) Services in improving the information security
management system, which is audited once in every three years, and ensures that the IT software development
practices meet international standards.
Furthermore, as part of the effort to mitigate data leak, is specifically implemented and evaluated by the Chief
the Bank continuously enhances the digitalization of Information Security Officer (CISO) Division under the
services (customer to system, Employee to system) with direct monitoring of the Technology & Operations
the aim to eliminate the need for physical documents Director.
in human interactions. At every endpoint, the Bank
performs the security improvement process (hardening) BNI via the Internal Audit (IAD) annually conducts
through the integration of domain, antivirus software a routine internal audit of information security and
installation, data security tools, monitoring of endpoint internal self-assessment of cyber security to assess the
activities, network access management and workstation security and effectiveness of the security system. To
monitoring application implementation. These steps improve the quality of audits on cybersecurity, in 2023
are intended to reinforce customer information security. Internal Audit has used external parties (co-sourcing
audits) to assist in conducting audits.
BNI carries out an assessment of third parties in
cooperation with BNI regarding the information security BNI allocates the following investments in technological
aspect by coordinating with BSSN, Bank Indonesia, OJK, development and implementation to protect the Bank’s
Himbara, Perbanas, and international cyber security internal information security and customer data:
consultants. Moreover, the cyber security supervision
Replacing magnetic strip debit Development of the customer forced PIN Fraud Detection System
cards with chip-based credit
cards Forced PIN is a feature designed to encourage System or device upgrade using the
customers to change their PINs prior to making latest technology, such as machine
All (100%) of debit cards have transactions. There are 2 forced PIN categories: learning and artificial intelligence
chips by the end of 2023, • Selected forced PIN, where cards indicated with to identify transactions which are
however social assistance fraud is flagged within the system and required incongruous with a unique activity
cards are still allowed to be to change PIN prior to making a transaction. pattern, hence capable of swift fraud
non-chip. • Periodic forced PIN, where customers are detection.
periodically required to change PIN at the ATM.
Aside from strengthening the security system, the Bank also gives training to employees, particularly in the IT Division
on the subjects of development of technology and data security. In 2023, 168 employees including contract employees
have participated in hard skill training in project management, UI/UX design, scrum master, business intelligence,
secure coding, data analytics & visualization, personal data protection law, CCISO, Security+, and other sectors.
BNI also gave soft skill training such as digital leadership, technology presentation skill, as well as communication
& negotiation skill. The Bank also gave certification to IT HC to improve competency and gain recognition on the
national and international level.
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50 PT Bank Negara Indonesia (Persero) Tbk
Innovation and Product and/or Service Development
Digital Integration in All Lines of Business
Digital transformation is believed to be capable of 4. BNIDirect
increasing the efficiency of BNI’s service operations, Through BNIDirect, BNI provides comprehensive
making them faster and simpler, with security services, including payment management (payment
consistently being the main priority. The Bank actively of tax, electricity, water, telephone, and other bills),
takes advantage of opportunities in the digital era to collection management, liquidity management,
support digital transformation in all business aspects, online trade, and foreign currency transactions.
which ultimately is expected to accelerate the growth BNIDirect users grew by 47% YoY, reaching 147,110
of operations and the banking sector. users by the end of December 2023.
1. Open API and Fintech Collaboration 5. BNI Mobile Banking
BNI officially has 280 Service API licensed at OJK. BNI is committed to providing the best service
In 2022, BNI became the first mover of the Bank with solutions facilitating customers in making
Indonesia National Open API Payment Standard transactions on a day-to-day basis. BNI Mobile
(SNAP). 100% of channels using Open API have been Banking is here as a digital solution for customers
ISO 27001 certified. to make transactions easily, securely, and quickly.
The completeness of BNI Mobile Banking features
In 2023, the BNI API had approximately 4,000 supports the needs of cashless customer payment
customer users generating a total of 389 milion API and purchase transactions as well as cash
Hits with a total of 154 million transactions items withdrawal cardless transaction at the ATM or BNI
and Rp829 trillion in transaction volume. Merchant Partners.
2. BNI Digital Hub BNI Mobile Banking can also be used by customers
BNI Digital Hub was developed with the goal of domestically and overseas, such as Diaspora and
forming a community of digital resources and PMI. The number of BNI Mobile Banking users up
talents to meet the needs in BNI’s digital solution to December 2023 increased by 19% YoY from the
development as well as build a digital business previous 13.6 million users to 16.3 million users,
ecosystem. The activities implemented by BNI and was followed by an increase in the number
Digital Hub collaborated with local startup/fintech. of transactions by 75% YoY to reach 1,043 million
In 2023, BNI launched the BNI Digital Hub in Malang transactions with a transaction value that grew 52%
(East Java), Bandung (West Java), and Gedung YoY to Rp1,216 trillion. BNI continuously conducts
Sarinah (Jakarta). sustainable development, both in terms of features
and business, through cooperation with the best
3. QR Indonesian Standard (QRIS) partners in a professional manner and has a positive
BNI has supported the government in encouraging impact on society, especially loyal BNI customers.
the participation of as many MSMEs as possible in
the digital ecosystem, one of which is developing
the H+0 QRIS Settlement as a value added in
increasing customer transactions. BNI also expanded
cooperation of BNI QRIS Merchant with potential
partners across Indonesia, as well as actively
participated in making government programs a
success in cross border QRIS implementation.
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6. BNI Digital Assistant (BDA) 8. TapCash
BNI continues to develop services using automation BNI TapCash continues to innovate, diversify co-
and digital technology, such as DigiCS, SPRINT, Cash branding cooperation with partners and customers
Recycling Machine (CRM), E-Banking application, as well as integrate TapCash top-up with Financial
TapCash, as well as chip-based Debit and Credit Institutions and E-commerce. Furthermore, BNI
Cards. To accelerate the adoption of digital services, also strives to improve the TapCash business with
BNI placed 245 BNI Digital Assistant (BDA) officers the strategy of improving acceptance, increasing
at various branches/outlets. BDA aims to impart revenue, internal collaboration, and marketing
education and advice to customers, creating a awareness.
positive experience as well as providing fast,
secure, and solutive service. BDA implementation 9. BI-FAST
successfully increased the intercept ratio from 36.3% BI-FAST is a part of the Bank Indonesia payment
to 49.5% between December 2022 and December system architecture to facilitate retail payment
2023, showing positive progress in urging customers accessible at any time and online in realtime. BNI
to switch to digital transaction. is a part of the working group for the development
of BI-FAST with Bank Indonesia. BNI took part as
7. Hibank a participant bank in the BI-FAST Phase 1 Stage
Hibank is BNI’s subsidiary, which was established as 1 since its initial launch in 2021. Currently, BNI is
a digital banking service provider focusing on the involved in development of the BI-FAST Phase 1
MSME segment. Through the vision of “Becoming Stage 2 with Bulk Credit, Request for Payment, and
the Leading MSME Digital Bank in Indonesia”, hibank Direct Debit Services.
has committed to transformation in developing its
capabilities as a Digital Bank focusing on the MSME 10. Autopay/Direct Debit SNAP
segment. Hibank developed a new business model BNI provides autopay/direct debit SNAP to facilitate
in MSME financing through the empowerment of direct transaction payments on merchant sites and/
principle ecosystem and selected communities, or applications with an adjustable daily limit as well
among which through the Supply Chain (Value as OTP for registration validation and transaction
Chain) approach of various business sectors, such as security. Presently, the cooperation that has been
traditional market associations. This business model established regarding direct debit is with My
is effective in increasing disbursement to MSMEs Pertamina and LinkAja.
with a maintained credit quality.
11. BNI Merchant
In 2023, hibank cultivated cooperation with a The BNI Merchant application is a facility given by
number of fintechs and principles (supply chains) in BNI to facilitate merchants in making transactions
expanding the distribution channels for disbursing using the BNI QRIS on day-to-day basis. Through this
financing to MSMEs. application, merchants can do online onboarding,
print QR code, add cashiers as necessary at merchant
outlets, as well as obtain transaction report,
transaction notification on the application and by
email, and realtime monitoring of merchant outlet
transaction report.
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52 PT Bank Negara Indonesia (Persero) Tbk
12. Partnership Cardless Withdrawal 14. E-Bank Guarantee
Cash withdrawal transaction can be completed Along with technological advances, BNI presents
without a physical card via cooperating partner Online Bank Guarantee (BNI e-Bank Guarantee
outlets (debit and credit). BNI has conducted Cardless and m-BG Checking) as a solution that provides
Withdrawal cooperation with retail partners and BNI convenience for customers in applying, monitoring
Agen46 spread across the country, among which are and checking bank guarantees online.
Alfa Group and Indomaret Partners.
The volume growth of Online Bank Guarantee
13. Financial Supply Chain Management (FSCM) increased by 20% to Rp10.1 trillion from the previous
Supply Chain Financing is a business solution year of Rp8.4 trillion.
in a chain from upstream to downstream that is
customized to the needs of Corporate Customers. 15. BNI Trade Online
Through the BNI Financial Supply Chain Management To support digitalization in the trade process, BNI
(BNI FSCM) platform, the customers get transparency developed BNI Trade Online, which is an application
in monitoring document flow and money flow from development for the Trade Finance process that has
all three parties (BNI, Corporation, and Corporate been integrated with BNIDirect. BNI Trade Online
Partner), realtime information, easier and more is a feature in BNIDirect provided for customers to
flexible disbursement and implementation, as well conduct trade activities such as Import LC, Export
as making it easier for customers to reconcile invoice LC, Collection and Financing. Through BNI Trade
documents in a paperless and secure manner. Online, the submission of trade transaction requests
no longer needs to be done through BNI branches,
The growth of SCF items and distribution volume but can be carried out by accessing BNIDirect. BNI
through the FSCM platform increased by 9% and Trade Online is also a branchless and paperless
16% respectively to 148,532 distributions and Rp26.9 service solution.
trillion from the previous year which amounted to
136,564 distributions and Rp23.2 trillion. This is in
line with BNI’s strategy to optimize the strategy of
increasing customer transactions through the BNI
customer value chain ecosystem.
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Positive Impacts of Digital Banking
The development of digital banking products brought positive impacts in 2023 by
supporting the efficiency, accessibility, productivity, and innovation in financial services.
Other positive impacts include:
Impacts on the operations of banking and customers • Reducing the risk of cash loss for business with
are: considerable transaction value.
• Implementation of digital banking services reduces • Convenience in personal finance management,
dependency on physical documents and paper use. allowing customers to easily manage their personal
• Digital banking reduces GHG emissions from the finances via the digital banking appliation, track
decrease in customer mobility to make transactions. spending, create budget, and monitor investment
• Customer experience in making independent performance.
transactions is more efficient and time saving • Decrease in physical operations and administrative
because there is no need to queue at the branch cost from traditional transactions.
office. • Increasing the trust of stakeholders and customers to
• Reducing landfill after customers eventually discard BNI through ceaseless innovation and improvement
the no longer needed transaction receipt as well as to improve banking performance.
preventing the spread of customer data on the paper • Increasing market share due to the ease of customers
or transaction receipt. in accessing banking services for daily needs on a
• Supporting the increase of circulation and financial day-to-day basis.
transactions in the market. • Digital banking improves transaction time efficiency
and lowers operating cost.
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54 PT Bank Negara Indonesia (Persero) Tbk
Response to Customers and Respect for Human Rights
Providing Excellence Service
Superior service is actualized in two forms, which are the service provided by bank employees for customers and the
performance of BNI’s digital banking services. BNI is committed to continuously maximizing service to customers
with the support of excellent digital solutions as well as constantly expanding synergy to give the best service to
customers. BNI’s strategies in providing superior service include:
Presenting complete, Providing a “one stop Providing best in class Improving customer Increasing Human
integrated, quality, trusted, solution” service for product and service experience in Capital competencies and
and reliable financial business and individual quality. processes considered capabilities, especially
products/services. customers. critical by customers. frontliners.
Implementing equal
service to all customers
and the “beyond services”
culture.
Providing convenience
for customers in
making transactions.
BNI improves HC quality through Proactively performing Improving the security Providing the option for
continuous training and development, adjustments and improvements system in all networks service personalization
increasing employee capabilities in in line with the growth of and digital features. according to the
providing excellent and satisfactory customer needs and demands demography and
service for customers. for the quality of products and requirements of individual
services offered by BNI. and business customers.
Additionally, BNI also implements more expansive services and prioritizes Human Rights principles by reaching out
to customers in the frontier, outermost, and least developed (3T) regions in Indonesia. [FS15]
Banking Services for People with Disabilities [FS14, FS15]
BNI is dedicated to consistently increasing the value of the company by delivering
the best experience in order for customers to receive convenient service and the best
solutions, especially those with disabilities. BNI provides disability friendly ATMs
with headphones and braille keypads, which until presently have served thousands of
transactions. Access to the Banking Hall or ATM Gallery has also been prepared for
wheelchair users. There are 2,723 ATM units with this feature spread across 388 cities/
regencies across Indonesia, Hong Kong, and Singapore.
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Access and Affordability
Access and affordability of financial products and services carry significant impact on the smooth experience and
satisfaction of customers in making transactions. Therefore, BNI needs to manage and improve the accessibility of
banking services, whether digital or conventional, as well as expand the geographical reach extending to overseas.
In the reporting period, BNI managed to engage all regions in Indonesia, including 3T areas, as well as seven other
countries.
Access to Information on Products and Services [417-1]
BNI is committed to continually developing products Information on products and services are presented in
and services to meet the needs of customers and a clear and easy to understand manner and published
advancements in technology. Therefore, BNI plays an through BNI offices, BNI Agen46, and print media,
active role in formulating and conveying information on electronic media, social media, BNI mobile banking,
products and services as part of the marketing efforts and website. If customers need consulting or additional
with the purpose of educating customers and increasing information, BNI has prepared the BNI call service and
information transparency as regulated by POJK No. 1/ digital channels, such as BNI WhatsApp Business and
POJK.07/2013 on Consumer Protection in the Financial BNI Virtual Assistant/Chatbot by internet access.
Services Sector. BNI ensures that each product and
service launched has received approval from regulators
and undergone risk management assessment,
compliance test, and other supporting reviews.
Access to the Presence of Branch Offices and Means of Banking Services
BNI products and services can be accessed beyond large cities, reaching village areas and even 3T regions.
17 195 1,586 19 26 12
Regional Office Branch Office Sub-Branch Commercial Retail Productive Consumer Loan
(KW) (KC) Office (KCP) Business Center Business Center Processing
(CMC) (RCC) Center (LNC)
57 192 13,390 330 185,697 BNI Mobile
Banking and other
Payment Point Armanda O-Branch ATM*/CRM DigiCS BNI Agen46
digital banking
(PP) (Mobile Cash Service)
services
*ATM includes ATM cash withdrawals and cash deposits
With advancements in digital technology, banking services have evolved past physical channels toward various
digital channels accessible from anywhere and at any time. Accessibility is one of the advantages of BNI’s digital
channels, enabling customers to use the services via Android/iOS smartphone, short message service (SMS), or using
a PC/Laptop with a browser.
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Sustainability Report 2023 56 PT Bank Negara Indonesia (Persero) Tbk Access and Marketing Communication Policy [417-2, 417-3] Information on BNI products and services is verbally BNI consistently ensures that prior to the launching of dispersed by frontliners officers in the branch offices products and services, all presented information must as well as various marketing media, such as print be accurate, honest, and transparent without elements and electronic media. BNI continues to prioritize the of deception or contents involving issues of ethnicity, protection and interest of customers and communities religion, race, and inter-group relations (SARA) or non- to minimize the risk of future disputes due to inaccurate compliance with the marketing communication code of introduction relevant to the financial products and conduct. In 2023, BNI did not face cases of advertising code services. Access and marketing communications refer of conduct violation or complaints relevant to marketing to several internal policies, which are Work Procedures communication alluding to issues of SARA or Human of Marketing Management & Retail Consumer Portfolio Rights. Furthermore, BNI gives capability improvement (in Division Company Guidelines (PP); Integrated Marketing communication and marketing) to employees, specifically Communication PP; Event Management PP; Sponsorship the Marketing Communications Division (MCM) to continue PP; and Advertising PP. Additionally, BNI also refers to enhancing their competency relevant to communication, SEOJK No. 12/SEOJK.07/2014 of 2014 on the Submission of such as the Media Day seminar. Information in the framework of Product Marketing and/or Financial Services as well as complies with Guidelines for Advertising Financial Services issued by OJK. Handling Customer Complaints [2-25] To maintain transparency and improve service quality, a period of 10 working days in accordance with POJK No. BNI sincerely welcomes all complaints, critiques, and 22 of 2023. This regulation also states that customers can suggestions from customers. The follow-up on customer complete documents regarding complaints submitted complaints is conducted and resolved in accordance within 10 working days and can be extended within 10 with the service level agreement (SLA), with the verbal working days. complaint resolution standard of a maximum of 5 working days, while written complaints have a maximum The Bank also evaluates the steps of complaint resolution, resolution time of 20 working days. In certain conditions, whether financial or non-financial, through the Customer the resolution of a written complaint can be extended to Experience Center Division under the supervision of the the next 20 working days. Starting 22 December 2023, Network & Services Director. BNI will implement written complaint resolution for a maximum of 10 working days and can be extended within
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57
Media for BNI Customer Complaint
Customer contacts BNI Call
BNI Domestic 1500046 Customer visits the
Overseas : nearest BNI branch
+62 21 30500046 Oral
Customer send Customer visits the
X : @BNI and www.bni.co.id website in the
@BNICustomerCare Chat With Us menu
Facebook: BNI
IG: @bni46 Customer files a complaint
Email: bnicall@bni.co.id via Ask BNI on BNI Mobile
Written Banking; BNI Call Virtual
Assistant; BNI Whatsapp
Customer visits the
Business
nearest BNI branch
+62 811-5881-946
In the case that BNI’s customer complaint service does not reach an agreement, the consumer may pursue dispute resolution out
of court or in court. Dispute resolution in the financial services sector out of court is conducted through the Alternative Dispute
Resolution Institution for the Financial Services Sector (LAPS SJK).
For easy monitoring of customer complaint handling and improve customer experience, BNI uses the customer journey platform
application integrated with all touch points for the data of customers contacting BNI through any media can be viewed in one
application.
Customer Complaint Mechanism and Resolution
CUS TOMER BNI
files a complaint OFFICER
Assigning Following up on Informing the If necessary, Informing the
Registering registration the complaint complaint informing the complaint
complaint number to the resolution notification for resolution
complaint result time extension result
Total Complaints and Percentage of Resolution
Year Total Complaints Complaints Resolved Percentage of Resolution (%)
2023 743,044 743,004 99.9
2022 542,637 542,298 99.9
2021 612,713 610,752 99.7
The Customer Experience Center, as one of BNI’s touch points, has received many questions from customers throughout 2023 which
include product and service information (69.2%), data requests/changes (20.1%), complaints (8.8%), as well as transactions (1.9%).
Customer complaints were dominated by transaction problems at ATM machines at 56.7%, followed by BNI Mobile Banking problems
at 24.8%, and BNI TapCash top-up problems at 12.8%.
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58 PT Bank Negara Indonesia (Persero) Tbk
Customer Satisfaction Survey
BNI always maintains customer satisfaction with first BNI periodically conducts the Customer Satisfaction
rate service. In 2023, BNI obtained the best Bank KBMI Survey (CSS), consisting of two evaluation aspects:
IV in giving positive experience in the Regular Banking
category. The award was given by the Excellent Service
Experience Award (ESEA). Business Satisfaction Survey (BSS). A survey with BNI
external customers as respondents with the assessment
In line with BNI’s Vision of becoming the prime Financial covering the 7P aspects of product, price, place,
promotion, people, process, dan physical environment.
Institution that excels in services and with sustainable
performance, BNI constantly improves and monitors the
service performance at all touch points. User Satisfaction Survey (USS). A survey with BNI internal
customers (BNI employees) as respondents with the
assessment covering the aspects of: Coordination,
CSS Trend in the Last 3 Years
Communication, and Cooperation; Output; Work Process;
CSS Score (scale of 1-5)
Commitment/SLA; Employees; and Data & Information.
2023 2022 2021
4.3 4.3 4.2
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59
03
BNI FOR
THE ENVIRONMENT
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60 PT Bank Negara Indonesia (Persero) Tbk
Green Banking
Internal Policies and Initiatives
BNI realizes concern for the environment through green banking practices as the manifestation of BNI’s support
to the Sustainable Development Goals (SDGs). Green banking implementation involves a number of internal and
external initiatives.
BNI has 3 credit card products relevant to green banking initiatives, which are the BNI
WWF credit card product with the aim of encouraging green living behavior with the main
missions of preserving, restoring, and managing Indonesia’s ecosystems and biodiversity. The
second product is the BNI Bike to Work Credit Card, which encourages the cycling movement
to reduce emissions from motor vehicles, as well as third, the BNI American Express Vibe
credit card, where the physical credit card is made using recycled plastic material.
Implementing the Green Building
Conducting energy, water, and Certification by the Leadership in
paper saving, processing waste, and 04 Energy and Environmental Design
reducing emissions. (LEED) in the planning of the new
03 05 building in the PIK 2 Area.
Increasing employee concern Conducting training
on environmental and
about eco-friendly lifestyle. 02 06 social risks in the loan
Green banking feasibility analysis.
internal
initiatives
Conducting an internalization include:
of eco-friendliness regulated 01 07
in the Eco-Friendly Lifestyle
Government Regulation by
socializing it to all units. Implementing the Green Building Certification by the
Building Council Indonesia (GBC) in the Gedung Menara BNI
and Gedung Plaza BNI. For the Gedung Menara BNI is under
certification renewal.
Environmentally Responsible Credit Cards
New CIF Sales Volume (Rp Billion)
Card Type Target Realization Achievement Target Realization Achievement
FY 23 2023 (%) FY 23 2023 (%)
WWF 12,681 15,293 121% 437.6 450.7 103%
Bike to Work 251 261 104% 12.5 11.2 89%
Amex Vibes 11,000 12,477 113% 38.0 39.3 103%
Total 23,932 28,031 117% 488.1 501.2 103%
Whereas, from the external aspect, the Bank is committed to providing credit financing for activities/business with an orientation
toward the environment and environmental preservation, such as eco-friendly projects, renewable energy, as well as biodiversity
conservation. In 2023, the Bank expended Rp22.6 billion in environmental costs for activities supporting environmental
preservation.
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61
Identification of BNI’s Operations on the Environment
BNI’s operational activities do not directly carry negative impacts on the environment. Nevertheless, the potential
negative impacts on the environment may arise from the business activities of the Bank’s debtors. Therefore, the
Bank ensures that the granting of financing to debtors complies with regulatory laws in the environmental and social
sectors, with the aim of preventing the negative impacts of the debtors’ operations. In 2023, no complaints were
made on environment as BNI’s scope of activities were solely in banking sector.
Paper Saving [301-1, 306-1, 306-2]
We are aware that paper use may not be completely avoidable. However, we persistently
put our best effort into minimizing paper use by converting to digital banking and
conventional initiatives.
√ Maximizing the BNI e-office function, which is the portal for Paper Use at BNI
document processing application with the paperless concept. (Kg) [301-1]
√ Print document efficiency for the application for leave, absence,
tardiness, and employee attendance report via e-attendance. Head Office
Digital √ Optimizing the use of the automation system in the procurement
Banking process of goods/services by using the BNI and e-Archive 146,939.2
142,245.1
e-Procurement applications. 138,526.2
√ Reducing print document and correspondence via BNI e-PP.
√ Optimizing the use of digital banking in serving customers through
the digital acquisition of credit cards and e-billing statement. 2023 2022 2021
√ Efficiency of paper use by simplifying marketing collateral through
the optimization of information use on the BNI website.
Regional and Branch
√ Using the electric loan – Integrated Credit Documents Management
Offices
(eLO PDKT), which is currently implemented on credit documents for
consumer loans from the review to verification process. 1,789,345
√ Conventional paper saving is conducted through the utilization of 1,697,378
Conventional
used paper and improving digitalization.
Initiatives
√ Reducing hardcopy printing of the Annual Report and
Sustainability Report.
N/A*
Impact of E-Office on Paper Reduction (Unit of Sheet of Paper) [306-4] 2023 2022 2021
Description 2023 2022 2021 Note:
*) In 2023, BNI regional and
Electronic SOP/BNI e-PP 46,503,360 39,882,240 27,564,240 branch offices have just
calculated paper usage for
Electronic Billing Statement/BNI E-Billing 13,583,123 12,674,073 12,598,163 2023 and 2022.
Billing/BNI E-Billing Envelope Efficiency 70,142 84,615 106,874
Total 60,156,625 52,640,928 40,269,277
Impacts of eLO PDKT on Paper Reduction Number of Documents Circulating
(Unit of Sheet of Paper) through the Application
Description 2023 2022 2021
Total Credit Documents Formed
Memos 100,742 103,564 55,297
2023 2022 2021
Internal Notes 7,110 11,329 9,768
1,183,577 446,204* N/A
External Letters 43,664 46,656 41,896
Note:
*) In April 2022, the eLO PDKT pilot project was carried out in 5
Total Documents 151,516 161,549 106,961
Regions (Bandung, Semarang, Surabaya, Manado, and Papua Regions)
and implemented for all BNI areas in August 2022. Disposition 423,585 446,946 345,683
Sheets
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62 PT Bank Negara Indonesia (Persero) Tbk
Reducing the Impact of Climate Change
through Energy Management and Emission Reduction
Material Topic: Climate Resilience
Our Approach [3-3]
One of the most crucial issues at the moment is climate change. Impacts from climate change originating
from global warming include extreme weather, such as floods and storms, rising sea levels, and increasing
temperature. In 2023, several regions in Indonesia experienced extreme drought. The Meteorology, Climatology,
and Geophysical Agency (BMKG) also predicted a food vulnerability in 2050. The mitigation of climate change
issues requires the cooperation of all parties.
At BNI, we make internal efforts to mitigate the issues of climate change by performing energy efficiency
and emissions reduction. Our commitment to mitigating the climate change issue is also formulated in the
Stipulation for the Implementation of Efficiency No. JAL/2.2/1799, Efficiency of Lighting and Air Conditioning
No. JAL/3/3564, and Use of Inverter AC for Electricity Cost Efficiency No. JAL/3/1317. We also conduct
environmentally conscious financing and analysis of environmentally relevant credit risks.
Energy Management and Emissions Reduction [302-4, 305-5]
Several initiatives we take for energy efficiency, including • Constructing green building at Gedung Menara and
efforts to reduce emissions are: Gedung Plaza BNI with the eco-friendly and energy
• Implementing Earth Hour, namely turning off the lights saving concept.
in the workspace during break hour (12:00 – 13:00).
• Electricity efficiency through energy-saving lamps at In 2023, BNI recorded an electricity and fuel oil energy
Grha BNI, Plaza BNI, Gedoeng BNI, and Menara BNI. use of 931,450 Giga Joule (GJ) through the energy
• Reducing the use of chillers on Saturday and Sunday. efficiency initiative. Furthermore, BNI also obtained
• Implementation of magnetic bearing technology in the Platinum green building certification for Plaza BNI
the Plaza BNI coolers to enable frictionless operation since 2022 and Gold for Menara BNI since 2020 from
of motor components. the Green Building Council Indonesia (GBCI) as well as
• Solar panel installation with the capacity of 2,200 the plan to implement the green building LEED in the
Watts to light the gardens at Plaza BNI. construction of the building in the PIK 2 Area. BNI also
• Limiting business travel and replacing them with received the Cyclist Friendly Building award from the
teleconference. Governor of DKI Jakarta for the Gedung Menara BNI.
Energy Consumption Inside and
Outside of the Company (GJ) Energy Intensity
[302-3]
[302-1, 302-2]
604,186 327,264 931,450 (GJ) Rp62.7 14.8
Use of fuel for generators and Use of fuel for overland Total electrical trillion Energy
use of electrical energy at BNI business travel at the BNI energy and fuel Income Intensity
offices throughout Indonesia office converted (GJ/Rp)
Note:
The calculation uses a fuel to energy conversion factor of 0.038 GJ/ltr and electricity to energy of 0.0036 GJ/kWh
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63
Emissions Management [305-5]
BNI has been calculating scope 1 and 2 emission since 2021 and scope 3 emission since 2022. We continue to make
improvements, both in the scope and the method, as part of the plan toward net zero emission. In the 2023 emission
calculation, scope 1 has included the use of fuel oil in buildings, air conditioner freon, and fuel oil use in operations.
Scope 2 emission includes the use of electricity at 5 head offices and 87.37% of BNI regional and branch offices. Scope
3 emissions include business trips and financing emissions of the 90.1% Corporate segments such as International,
Enterprise, and Commercial loan portfolio.
Greenhouse Gas (GHG) Emissions Generated (Ton CO2 eq) [305-1, 305-2, 305-3, 305-4]
Source of Emissions 2023
Scope 1
Fuel consumption in buildings 1,701.1
Freon use 1,023.6
Fuel oil use in operations 15,874.9
Scope 2
Emissions from electricity use 170,760.4
Scope 3
Business air travel 2,959.2
Overland business travel 4,220.8
Financing Emissions 28,402,852.7
Scope 1 & 2 GHG emissions 189,360.2
Total GHG emissions 28,599,392.9
Emission intensity of scope 1, 2 & 3 business trips to income (ton CO2eq/Rp) 0.00000000313
Scope 3 emissions intensity of financing to income (ton CO2eq/Rp) 0.00000045265
Note: The calculation methodology uses the 2017 GHG Protocol and references are obtained from biograce v4, 2014. Meanwhile, for business travel, references from myclimate
are used.
BNI also implements the initiative to lower ozone layer depleting emissions by reducing the use of equipment with
the potential of generating ozone layer depleting emissions, such as equipment containing the Chlorofluorocarbon
(CFC) substance and instead switching to equipment using eco-friendly substances. Until the end of 2023, BNI did not
report emissions other than greenhouse gas emissions, such as Nitrogen Oxide (NOx), Sulphur Oxide (SOx), and other
conventional emissions because they are not directly generated in the operating activities. [305-6, 305-7]
Waste Management [306-1, 306-2, 306-4]
BNI hands over the waste management to Building Management and a third
party, including recycled paper waste management. The third party submits
a report to BNI on the volume of waste generated by an operational building.
Waste generated and Management
The waste generated from the Bank’s operational activities includes paper [306-3, 306-4, 306-5]
waste, organic waste from leftovers, and plastic. In the future, BNI plans to Recycled Paper (Ton)
disclose waste classifications, which are organic, glass, paper, residue, and Head Office
hazardous waste. BNI proactively engages in eco-friendly endeavors to
reduce waste in the workplace with the support of all work units. Several
2023 2022 2021
efforts to reduce waste include:
• Reducing plastic use.
• Using personal tumblers during meetings and providing drinking water 60.5 191.6 14.6
refills in meetings.
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64 PT Bank Negara Indonesia (Persero) Tbk
Water Management [303-1, 303-2, 303-3, 303-4]
BNI uses water for domestic activities – hand washing, BNI also actively strives to minimize water consumption
park needs, and toilet use - sourced from the Regional through various initiatives, including implementing
Drinking Water Company (PDAM) and groundwater water management technology at the Gedung Plaza
from the company location in the office area, hence BNI and Gedung Menara BNI, water saving campaign,
BNI does not collect water from and there is no direct prudent water use practices, reporting on faucet
interaction with water springs. Aside from this, BNI leaks, and using treated wastewater to water plants.
does not perform quality standard calculation to assess In the 2023 Sustainability Report, the water use data
the quality of effluent discharged considering no disclosure is not only from the head office, but all BNI
operations in BNI that may generate hazardous effluent branches. In 2023, BNI recorded 1,758,134 m3/year of
for environment. Water management is conducted by water use volume.
taking into consideration the reuse of wastewater, which
is integrated with the building management system.
Annual water use by volume (m3/year) Total water use volume
Head office (m3/year)
2023 2022 2021 2023 2022 2021
272,165 305,852 185,115 1,758,134 1,636,874 185,115
Annual water use by volume (m3/year) Annual average water use intensity
Water Use Regional and branch offices (m3/employee/year)
[303-5]
2023 2022 2021 2023 2022 2021
1,485,969 1,331,022 N/A 63.8 60.3 52.9
Note:
• Water consumption is calculated using the PDAM data in m3
• The scope of calculation for 2023 and 2022 include the head office as well as the regional and branch offices, whereas in 2021 it only included the head office
Environmental and Biodiversity Conservation
The operational locations owned, rented, or managed by BNI are not adjacent to
conservation areas and/or areas with high biodiversity index outside of conservation
areas. Therefore, it can be said that BNI’s operational activities do not directly or
significantly impact biodiversity. Nevertheless, BNI conducts various environmental
programs as the manifestation of concern for the improvement of ecosystem support.
[304-1, 304-2]
Greening Program [304-3]
BNI proactively carries out various greening activities to support the recovery of natural and environmental functions.
The BNI greening programs are conducted with the agroforestry strategy and by engaging the community. The
programs are expected to repair soil quality and air quality as well as mitigate disasters, such as landslides and floods.
BNI proactively plants trees that by the end of 2023 there have been 88,023 trees planted.
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65
Waste Management Program
BNI implements the waste processing program by engaging the community through a waste bank. The Bank gives
education pertaining to impacts of the program, both environmental and economic related. Several activities run
in this program are Program Pos Pandai (Central, Process Waste, Sort, Withdraw, Save, Recycle, Equipment, and
Innovation), incinerators, waste motorbike carts, as well as waste bins installment in waste management areas,
Village-Owned Enterprises (BUMDes), and schools. Moreover, BNI is involved in a waste management program within
Construction Workers’ Residential Area (HPK) in Capital City of Nusantara (IKN).
Wildlife Conservation [304-4]
Javan rhinoceros (Rhinoceros sondaicus)
Based on the Red List Data Book International Union for Conservation of Nature
and Natural Resources (IUCN), the Javan rhinoceros has a Critically Endangered
status. In 2023, BNI showed its support for the Ministry of Environment and
Forestry (KLHK) and Ujung Kulon National Park (TNUK) to preserve the Javan
rhinoceros in Ujung Kulon, Banten. According to the KLHK, there were 81 of them
in TNUK as per 2023.
Bornean orangutan (Pongo pygmaeus)
Since 2016, IUCN has established that Orangutans (Pongo pygmaeus) of Kalimantan (Borneo) is under the Critically
Endangered status. By the end of 2023, BNI has given its support to the conservation Bornean orangutans in the form
of rehabilitating 2 Bornean orangutans at Orangutam Nyaru Menteng Rehabilitation Center, Central Kalimantan and
rehabilitating 4 hectares of critical land in Samboja Lestari. This rehabilitated area was planted with endemic plants
of Kalimantan, including fruit trees (40%) and timber plants (60%) which amounted to 1,600 trees. This orangutans
rehabilitation is a collaborative move led by BNI, the Ministry of Environment and Forestry, and Borneo Orangutan
Survival Foundations (BOSF).
Profile of the two rehabilitated Bornean orangutans:
Jessy, a female orangutan handed over by Moci, a male orangutan handed over by the
the Pulang Pisau community to the Nyaru Parempei Village community, Gunung Mas
Menteng Rehabilitation Centre for care and Regency, to the Nyaru Menteng Rehabilitation
education. Jessy is currently 11 years old and Centre for care and education. Moci is currently
undergoing survival skills training at Badak 9 years old and living well-socialized in a semi-
Besar Island. wildlife habitat.
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Sustainability Report 2023 66 PT Bank Negara Indonesia (Persero) Tbk 04 BNI FOR THE COMMUNITY
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Growing with MSMEs [2-23, 203-2, FS5] [FN-CB-240a.1, FN-CB-240a.2]
BNI applies risk management to the implementation of Sustainable Finance in the MSME sector. BNI’s strategy to
mitigate these risks is to synergize with various ministries and other institutions.
BNI’s Measures and Strategies in Supporting MSME
Micro and Small Enterprises Funding Program Optimizing BNI’s Corporate Customer Value
√ Providing funding to 5,438 fostered Chain Business
partners (MSMEs). √ Development of comprehensive financial
√ Rp152.6 billion in total funding. solutions to expand access to MSMEs that
are part of the value chain of corporate
customers.
Financing Through Other Financial Services
Institutions/Business Entities
√ Increasing the acceleration of the MSME
Optimizing the potential of MSMEs to support increased exports lending process through business linkage
through BNI Xpora to Badan Perkreditan Rakyat (BPR) &
√ Providing integrated digital solutions through the Xpora.bni.co.id Cooperatives.
Platform.
√ Serving export oriented MSMEs. E-Lo BCM and SmartCA applications
√ Providing access for MSMEs to enter the global market. √ Accelerating the loan process for MSMEs through
√ Providing the BNI Trade Online (BTO) feature. digital applications.
√ Strengthening cooperation with the diaspora, Indonesian √ Loan financing to MSMEs using e-Lo BCM and
embassies, and global market players. Until the end of 2023, BNI SmartCA applications.
distributed USD3,681,000 in various sectors.
BNI Wirausaha (BWU)
√ In 2023, BNI Wirausaha financing reached Rp2.6 trillion for 3,717 MSMEs.
√ 2023 Strategy:
• Improving credit quality through end-to-end process, portfolio monitoring module development, and policy review.
• Increasing financing to value chain partners.
• Enhancing digital capability to API integration in coordination with policy authorities.
• Improving FBI and CASA.
• Optimizing international network and business.
BNI Mobile Innovation for MSME Ecosystem (MOVE) application Synergy with Related Ministries/Institutions
√ Application used by loan officers to process end-to-end √ Implementation of financial literacy and business coaching.
Subsidized Micro Loan (KUR) and BWU loan in a digital and √ Cooperation with partners and other SOEs.
integrated manner. √ Rp258,927 billion in funds was realized for synergy
√ Mobile platform that integrates the entire digital loan activities with ministries/institutions.
process. √ 1,921 debtors engaged in synergy with Ministries/
Institutions.
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68 PT Bank Negara Indonesia (Persero) Tbk
Until 2023, the MSME inclusive financing was Rp190.8 trillion with
Macroprudential Inclusive Financing Ratio (RPIM) fulfilment of 27.8%.
Macroprudential Inclusive Financing Ratio (Rp Trillion)
Description 2023 2022
Direct financing and supply chain 171.5 169.0
Providing financing through financial services institutions, public service agencies, and/or business 14.6 7.5
entities
Purchase of inclusive financing securities (SBPI) 4.8 3.5
Total inclusive financing 190.9 180.0
Inclusive Financing Deposit Certificate (SDPI) issued by the Bank (Bank’s individual RPIM offset) - -
Other SBPI issued by the Bank (Bank’s individual RPIM offset) 5.0 5.0
Total credit/financing to Non-Bank third parties 685.8 641.1
RPIM Value 27.8% 28.0%
Subsidized Micro Loan (KUR) [FS7]
In 2023, BNI distributed KUR amounting to Rp17.8 trillion and commodity KUR amounting to Rp3.7 trillion.
KUR Disbursement Based on Business Segments [FS7]
Business Number of Maximum Loan Target Achievements Based
Segment Debtors (Rp Billion) (Rp Billion) on the Government
Supermicro 703 5.5 10 54.6%
Micro 51,234 2,193.3 2,300 95.4%
Small 58,741 15,595.3 15,650 99.6%
PMI 983 24.7 40 61.8%
Total 111,661 17,818.8 18,000 98.9%
BNI MSMEs’ journey
BNI’s focus in the MSME journey is the orients toward Go Productive, Go Digital, and Go Global.
BNI MSME Empowerment Roadmap
Initiation Phase Acceleration Phase Scale-Up Phase
(Go Productive) (Go Digital) (Go Global)
MSME Capability Enhancement Digitalization of MSME Business Export Market Access
Capital support and mentoring Processes Supporting potential export
for MSMEs in accordance with Introduction of technology in MSMEs to reach the global
the results of mapping needs to MSME business processes to create market, both in terms of product
improve business capabilities and digitalized MSMEs. quality, legality/certification,
knowledge of environmentally product services, and foreign
friendly practices as a driver of Online Market Access transaction services.
MSME graduation. Directing the marketing of export
oriented MSME products through
access to the Xpora.bni.co.id Portal.
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Go Productive
BNI Eco-Friendly MSME (BUMI) Program
The BUMI program is an environmentally friendly MSME empowerment program that
implements green business processes and/or produces green products. MSME players
have the opportunity to receive training, and the first training that has been organized
2,265 people
was the “Level Up! 2023” together with Rumah BUMN and Inaproduct.
training participants
BNI Millennial Smartfarming
BNI Millennial Smartfarming is a farmer empowerment
program that focuses on digitalization to support
agricultural sector financing in green economy
financing. Millennial farmers become the key players
in this program by receiving mentoring and agricultural
development applying upstream to downstream
agricultural technology (IoT).
Rp29.4 billion and 646 farmers
realization and financing recipients
BNI Kampoeng Perikanan
Forming Clusters
(UPSTREAM SECTOR):
Digital MSMEs: Providing Access
to Financial & Transactional Banking
Services
√ Cultivation Fisheries Village Business Assistance
√ Advanced Fisherman’s Village (DOWNSTREAM SECTOR)
√ Maritime Village Xpora BNI Exports made
Easy: Business Assistance through
√ Face-to-face or online meetings
√ Curation of MSMEs with Export
Partner Collaboration Potential
Merchant: BNI X E-Commerce √ Coaching Clinic for MSMEs in the
Collaboration on the Use of Big Data Fisheries Sector
with MSME Partners who have the √ Exhibitions & Bazaars
potential to become BNI laku pandai √ Business Matching export products
partners (BNI Agen46)
BNI synergizes with the Ministry of Maritime Affairs and Fisheries by supporting their Priority Programs, such as
Aquaculture Villages and Fishermen Villages, to improve their welfare.
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Fishery Sector Ecosystem
Expansion of Market Access
Cooperation Agreement of
Capital
Collection Agent/Offtaker and
Financing BNI Agen46 Partnership
Sales of produce Export market
Partnership
Agreement Local offtakers
Fishery Technology
(collectors/fish
Groups Large Offtaker
Cooperative/Pokdakan sellers)
Empowerment &
Developments:
• Good Practices of Farmer Fisher
Aquaculture Aggregator Management
Online Market
Reinforcement of Group Institutions Distribusi Agro input
• Digital Partners
Sales of produce
Agro Distribution
input
Processing Advanced Products
Sales of Processed
Fishing Needs Kiosk Warehouse Products
Loan distribution of Rp1,208
billion to 5,966 debtors in small
segment businesses in the
marine and fisheries sector.
Subsidized Micro Subsidized Micro
Loan (KUR) Loan (KUR)
Rp237 billion (2,092 debtors) Rp392 billion (3,413 debtors)
Capture Aquaculture
Fishery Fishery
Non KUR Non KUR
Rp373 billion (202 debtors) Rp198 billion (161 debtors)
The Subsidized Micro Loan (KUR) financing of Rp198
billion to 1,155 businesses in the marine and fisheries
sector.
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Go Digital Go Global
BNI Desa Digital Khatulistiwa BNI Xpora [203-2]
(BNI Dedikasi) BNI Xpora is a One Stop Export Solution developed
BNI Dedikasi is an integrated digital ecosystem- to support MSMEs Go Global and become a diaspora
based village economic potential assistance and service center abroad. For this breakthrough, BNI Xpora
empowerment program aiming to encourage increased has won awards in 2023, namely the 2023 Sustainable
village financial inclusion, as well as the creation of Marketing Award in the SME Enhancement of the Year
village entrepreneurship in the Tourism sector and category from Marketing Magazine, 2023 Merdeka
leading sectors through optimizing the role of BUMDES Award in the Regional Export Strengthening Program
as economic organizers. category from Merdeka.com, The Best for Regional
SME’s Alpha Southeast Asia Best FI Award 2023, 2023
Indonesia Brand Guardianship Forum for the category
The Best Brand Digital Activation - Campaign Strategy
Rp9.5 billion and 48 MSMEs
Xpora.
realization and financing recipients
Rp33.9 billion and 23,421 debtors
realization and financing recipients
PaDi UMKM
PaDi UMKM program is a digital platform initiated by the
Ministry of SOEs to bring together MSMEs with SOEs to
optimize, accelerate, and encourage the efficiency of SOE
shopping transactions for MSMEs. Until the end of 2023,
BNI Jejak Kopi Khatulistiwa (JKK)
BNI JKK is an initiation of a social forestry program in the
861 BNI-assisted MSMEs have been on-boarded onto the
form of community economic empowerment. Until the
PaDi UMKM platform as sellers and 44 of them are BNI
end of 2023, the BNI JKK implementation points were
debtors.
expanded to include Garut (West Java), Jember (East
Java), Rejang Lebong (Bengkulu), Temanggung (Central
Java), and Humbang Hasundutan (North Sumatra).
Rp39.8 billion IDR and 9,011 BNI Jejak Kopi Khatulistiwa aims to increase financial
financing realization and transaction volume inclusion, create a green economic ecosystem, provide
coffee grading in the BNI Jejak Kopi Khatulistiwa area,
form a closed loop financial ecosystem, prepare farmers
and the downstream social forestry coffee ecosystem to
Alsintan Taxi Financing Program be ready for export and enter the global market.
BNI and the Ministry of Agriculture are synergizing by
launching the Alsintan Taxi Program in Gresik to support
the accelerated growth of agricultural modernization by
implementing agricultural mechanisms and developing Rp4.5 billion
agricultural tools and machinery (Alsintan). Realization Financing in 2023
60 farmers
Rp22.3 billion and 73 debtors Total financing recipients
realization and financing recipients
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72 PT Bank Negara Indonesia (Persero) Tbk
Financial Literacy and Inclusion [FS16][FN-CB-240a.3, FN-CB-240a.4]
BNI’s financial inclusion program has opened public access to banking services. To prevent the potential risks due
to social engineering, such as financial losses and increased consumptive behavior, BNI consistently implements
financial literacy and inclusion programs.
Financial Inclusion Reaches 3T Areas [FS13][FN-CB-240a.3, FN-CB-240a.4]
BNI Agen46 are BNI partners Achievements of BNI Agen46
(individuals or legal entities that 2023
collaborate with BNI) to provide Description Unit 2022 2021
% Growth Achievement
banking services to the community,
Number of BNI Agent 12.6 185,697 164,979 157,632
especially in low population or
Agen46
economically vulnerable areas. In
Transaction Million 2.9 85,5 83,0 146,4
2023, BNI conducted partnership
cooperation, individuals, and Nominal Rp Trillion (18.8) 59,9 73,8 92,3
cooperation with 35 potential super Operating CASA Rp Trillion 34.7 3,7 2,7 3,5
agent (SA) partners to enlarge
BNI Pandai Million 0.1 20,0 20,0 19,8
the reach of BNI banking services Accounts Accounts
through laku pandai (Officeless
Financial Services for Inclusive In 2023, the number of BNI Agen46 grew by 12.6%, spread across 8,771 sub-
Finance) agents. In addition, districts and 36,522 villages throughout Indonesia. A total of 15,532 agents or
BNI is also expanding regional 8.4% of BNI Agen46 are located in 3T regions.
digitalization and supporting the
Smart City program in collaboration
with the regional government.
Financial Inclusion Supporting Products
BNI participates in supporting the government program for pre-prosperous communities
Rp
by assisting in aid cards distribution and funds disbursement. Additionally, BNI also
supports this program by improving financial literacy and inclusion, including Let’s Save
with Trash, Super Midwife Program, and Business Matching for Persons with Disabilities.
Let’s Save with Trash
By the end of 2023, BNI has implemented the Bank Goes to School
From the Rp2,000 million target, the
program in 276 schools throughout Indonesia. In addition, in honor funds raised was Rp2,167 million,
of Satu Rekening Satu Pelajar (One Account One Student/KEJAR) consisting of Rp2,001 million SimPel
and Hari Indonesia Menabung (Indonesia Savings Day/HIM), BNI Bank Sampah and Rp166 million BNI
conducted the Goes to School program at 249 schools with more than Pandai Bank Sampah.
48,000 participants. Through these massive and intensive activities,
BNI received award from OJK in the form of awards as the Best Realization of account related to
Achievement Bank in the Framework of HIM, Best KEJAR Digitalization the Let’s Save with Trash program
Bank, Best KEJAR Implementation Education Unit: Religion-Based was 320,025 accounts, consisting
Education Unit Category: SMP Muhammadiyah Ahmad Dahlan Metro of 318,531 SimPel Bank Sampah
Partner of PT Bank Negara Indonesia (Persero) Tbk. The Let’s Save accounts and 1,494 BNI Pandai
Bank Sampah accounts.
with Trash program also garnered attention from one of the digital
banks in Tanzania, CRDB Bank PLC.
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Super Midwife Program Business Matching for Persons with Disabilities
BNI collaborated with Women’s World Banking to create In 2023, BNI supported the activities of the Financial
a banking solution concept, namely the Super Midwife Services Authority (OJK), namely business matching
Program to fulfill financial planning in childbirth MSMEs for people with disabilities. At the event, BNI
and postpartum programs. This 2023 collaboration provided financial literacy and distributed Subsidized
began with piloting in 4 locations, namely Palembang, Micro Loan (KUR) facilities worth Rp350 million. BNI has
Bandung, Jember, and Malang with a total of 120 currently financed a total of 15 businesses managed by
midwives participating. people with disabilities. For this effort and support, BNI
received an award from OJK as a Bank that promotes
67 midwives were realized to Inclusive Finance for Persons with Disabilities.
become BNI Agen46
102 accounts
realization of Super Bidan Program savings account
Financial Literacy Reaches the Nation
This Simpanan Pelajar (Student Savings) product also supports other activities, such as Bank Goes to School, Let’s
Save with Trash, and government assistance programs for students, such as the Program Indonesia Pintar (Smart
Indonesia Program/PIP).
2023 2022 2021*
Target Target Target
Rp1,800 Billion Total Funds Rp1,500 Billion Total Funds Rp1,400 Billion Total Funds
Realization Realization Realization
9,549,173 Accounts 10,131,096 Accounts 10,401,867 Accounts
Simpanan Rp1,830.99 Billion Total Funds Rp1,555.65 Billion Total Funds Rp1,378.99 Billion Total Funds
Note :
Pelajar
*) Restatement due to record adjustment
2023 2022 2021
Target Target Target
Rp3,900 Billion Total Funds Rp4,100 Billion Total Funds Rp4,200 Billion Total Funds
Realization Realization Realization
TabunganKu 12,889,609 Accounts 12,862,645 Accounts 11,761,185 Accounts
Rp3,982 Billion Total Funds Rp4,315 Billion Total Funds Rp4,278 Billion Total Funds
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74 PT Bank Negara Indonesia (Persero) Tbk
Sharing Added Value With The Community [413-1, 413-2]
BNI’s Social and Environmental Responsibility (TJSL) Rumah BUMN
program refers to the Regulation of the Minister of SOEs The Ministry of SOEs fully encourages that Micro, Small
No. PER-1/MBU/03/2023 of 3 March 2023. In 2023, BNI and Medium Enterprises (MSMEs) play an important role
allocated Rp130.0 billion for the TJSL program with a in advancing the country’s economy. BNI is part of the
realization of Rp129.8 billion. executor of the management of BUMN Houses in 28
regions throughout Indonesia, with performance during
BNI’s TJSL program has positive impacts, including 2023 as follows:
improved welfare, behavioral changes, and increased
income. However, it cannot be denied that the TJSL
01 02
program also has a negative impact, namely uneven
guidance and assistance, limited access to information,
Development and
and social jealousy which has the potential to cause Education and
Digitalization
Mentoring Role
conflict among communities. Center
Mentoring MSMEs 8,201
KAWAN Program [203-1, 203-2] at Rumah BUMN Number of MSMEs Go
The KAWAN program is an empowerment program to Modern
Workshop/training
improve the economic capacity of rural communities.
6,151
The purpose of the KAWAN Program is to bring positivity, 597 19,237
Number of
fame, and value to the program location (supporting Activity Total Participant
MSMEs Go Digital
BNI transaction business and positive image toward
Visit to the MSME Locations 18,453
stakeholders). In 2023, BNI carried out capabilities
Number of
and infrastructure development at 3 KAWAN Program 3,127 3,154 Products (including
locations, namely in Cuncawulang Village, West Activity Total Participant
derivative variants)
Manggarai, NTT; Undisan Tourism Village, Bangli, Bali;
and Ciderum Tourism Village, Bogor, West Java. 1,107
Exhibitions/Events
Number of MSMEs Go
174 3,263 Online equipped with
Activity Total Participant QRIS
03 04
Driving National Optimizing the
and Global Market Role of MSMEs
Growth in Building the
Country
The existence of Rumah Rumah BUMN has the aim
BUMN does not only focus on of maximizing the role of
developing MSMEs locally, but MSMEs in developing the
aims to encourage national country. By providing holistic
and global market growth. support, regional MSMEs can
This creates opportunities become strong economic
for MSMEs to expand their drivers, contributing to
reach and contribute to the the country’s overall
broader economy, including development. One of the
participating in national driving MSMEs is Borneo
domestic exhibitions and Queen from Rumah BUMN
promotional exhibitions abroad. Katingan.
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Borneo Queen Cataract Surgery in Eastern Indonesia
Borneo Queen is one of the partners assisted by Rumah BNI supports the cataract prevention program in
BUMN Katingan which processes the surrounding collaboration with Yayasan Pundi Amal Peduli Kasih
natural resources into commodities with economic (YPP) SCTV Indosiar to perform cataract surgery in four
value and high selling value through jewelry making and locations in Eastern Indonesia (Sumbawa, Jayapura,
seaweed utilization. Borneo Queen is real evidence of a Buru Island, and North Toraja) with a target of 450 eyes.
Rumah BUMN MSME that has succeeded in marketing During 2023, cataract surgeries have been performed
their products by going global through Xpora BNI. on 350 eyes or 78% of the target.
Other TJSL Program Realization in 2023 [203-1, 203-2]
120 Rp1.3 billion 99 27
Facilities of worship built/ Funds are channeled for Schools or educational Solar panels for
renovated for various the provision of clean institutions infrastructure households and 1 public
religions across BNI water and sanitation development as well as the facility in Bengkayang,
territory in regions throughout provision of facilities and West Kalimantan
Indonesia infrastructure in the BNI region
476,287 66 16 778
Food packages are Ambulances to support Solar street lighting Accumulation of
distributed for religious health sector construction points scholarship recipients
holidays, El Nino impact
mitigation, and other
assistance.
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76 PT Bank Negara Indonesia (Persero) Tbk
Social Investment Impact Measurement (SROI)
BNI has calculated the impact of the TJSL program, with social return on investment (SROI) measurement conducted
by an independent party using global standards for 3 TJSL programs, namely:
01 02 03
Kampoeng BNI Batik Tulis Critical Land Rehabilitation in BNI Berbagi Program for the
Lasem Tajurhalang Village Construction of Borewells in
Kampoeng BNI Batik Tulis In 2023, BNI supported efforts Gunung Kidul
Lasem program covers batik to conserve 15 ha of critical BNI provided well drilling
craftsmen in 2 villages, land in the upstream area of assistance in two places,
namely Babagan Village and Mount Salak, Malingpinghaur namely Padukuhan
Karasgede Village, Lasem and Pilar Blocks, Tajur Halang Ngalangombo Kalurahan
District, Rembang City. With Village, Cijeruk District, Bogor Dadapayu Kapanewon Semanu
an accumulation of 12 years, Regency by planting 10,000 and Padukuhan Kedungdowo
the SROI measurement result trees. The results of measuring Kalurahan Jatiayu Kapanewon
is 10.30. the impact of the program, Karang Mojo. The SROI
obtained an SROI value of 2.30. measurement result is 3.54.
Public Grievance Redress Mechanism [411-1]
In 2023, BNI did not receive any complaints or incidents of violations involving the rights of indigenous peoples in the
vicinity of its operations. BNI also did not receive any significant complaints from the public within the same period.
Engagement of Local Parties in the Supply Chain [2-6, 204-1]
In the supply chain, BNI prioritizes local partners and suppliers, i.e. companies with entirely domestic ownership. BNI
conducts performance assessment and evaluation to ensure a healthy supply chain and the right partners. Every year
BNI also organizes a vendor gathering which provides socialization related to the anti-bribery management system
(SMAP) and the use of domestic products.
Goods and Services Procurement
2023 2022 2021
Types of Suppliers/ Number of Goods Number of Goods Number of Goods
Business Partners Suppliers/ Procurement Suppliers/ Procurement Suppliers/ Procurement
Business Value Business Value Business Value
Partners (Rp Trillion) Partners (Rp Trillion) Partners (Rp Trillion)
Local 473 7.10 331 4.4 477 3.3
Overseas 8 - 44 -
Total 481 7.0 375 4.4 477 3.3
Note:
• Local refers to companies with complete domestic ownership.
• Overseas refers to companies with complete foreign ownership.
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05
BNI FOR EMPLOYEES
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78 PT Bank Negara Indonesia (Persero) Tbk
BNI believes that maximizing employee productivity can inspire superior
company performance. To achieve this goal, BNI is determined to create
an inclusive and fair working environment through the implementation
of Human Capital (HC) policies that takes diversity and employee
competency development into consideration. Thus, each employee can
respond to the needs conveyed by stakeholders.
BNI Employees [2-7, 2-8, 406-1]
The sustainability of the company’s business is realized BNI strives to maintain employee inclusiveness and
with the support of all employees. The number of BNI diversity, this is reflected in the composition of BNI
employees in the reporting year amounted to 27,570 employees who come from various levels of education,
people or increased by 1.5% from 27,170 people in the age groups, work experience, gender, race, ethnicity,
previous year. BNI upholds the principle of equality and and religion. By the end of 2023, the number of male
opposes discrimination in every aspect of the end-to- and female employees was quite balanced with 13,192
end management function of the BNI human capital male employees and 14,378 female employees. This
framework from the beginning of entry (recruitment indicates that BNI provides equal opportunities for male
process), during employment (career development, and female workers. All BNI employees are full-time
remuneration, and other aspects), until the employee employees (BNI does not employ part-time employees)
leaves the company. All reports of violations through and there are no non-employees (e.g., seasonal workers),
the Whistleblowing System (WBS) will be followed up therefore it is not included in the report. The following
as an effort to ensure that there is no discrimination, is data related to BNI employees:
intimidation or violence in social aspects in cultivating
relations between employees during the reporting
period.
BNI Hi-Movers Profile
Composition of Employees Based on Employment Work Contract and Gender [2-7]
2023 2022 2021
Employment Contract
Male Female Male Female Male Female
Permanent 12,150 13,310 12,203 13,131 12,211 12,960
Contract 647 728 606 761 581 942
Trainee 395 340 222 247 261 222
Total by gender 13,192 14,378 13,031 14,139 13,053 14,124
Grand Total 27,570 27,170 27,177
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Composition of Employees Based on Operating Areas and Gender [2-7]
2023 2022 2021
Operating Areas
Male Female Male Female Male Female
Head Office 5,664 4,798 3,058 2,447 2,754 2,252
Regional Office 01 394 473 546 587 573 597
Regional Office 02 518 604 721 731 749 744
Regional Office 03 555 637 726 805 714 780
Regional Office 04 623 657 816 798 851 812
Regional Office 05 400 472 519 570 516 571
Regional Office 06 533 817 744 1,051 786 1,082
Regional Office 07 455 539 644 689 663 701
Regional Office 08 520 593 677 707 707 704
Regional Office 09 578 632 777 811 799 843
Regional Office 10 298 536 388 624 411 634
Regional Office 11 276 417 372 503 376 505
Regional Office 12 351 450 501 598 537 621
Regional Office 14 379 707 471 818 496 829
Regional Office 15 417 631 559 752 588 791
Regional Office 16 187 212 228 234 239 240
Regional Office 17 491 609 617 726 618 741
Regional Office 18 533 585 646 681 652 671
Overseas Branch 20 9 21 7 24 6
Total 13,192 14,378 13,031 14,139 13,053 14,124
Grand Total 27,570 27,170 27,177
Composition of Employees Based on Age Group and Gender [2-7, 405-1]
2023 2022 2021
Age Group
Male Female Male Female Male Female
> 50 Years 1,359 1,035 1,601 1,032 1,531 877
> 45-50 Years 1,625 1,222 1,285 1,037 1,277 1,084
> 40-45 Years 1,543 1,550 1,965 1,838 2,203 1,955
> 35-40 Years 2,103 2,181 1,603 1,550 1,186 1,090
> 30-35 Years 3,064 3,834 3,210 4,075 3,334 4,270
> 25-30 Years 2,719 3,462 2,724 3,597 2,734 3,671
≤ 25 Years 779 1,094 643 1,010 788 1,177
Total 27,570 27,170 27,177
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Composition of Employees Based on Position Level and Gender [2-7, 405-1]
2023 2022 2021
Position Level
Male Female Male Female Male Female
≥ Senior Vice President* 83 28 68 25 65 25
≥ Vice President 156 49 181 50 168 47
Assistant Vice President 846 407 901 413 878 395
Manager 2,027 1,491 2,016 1,420 1,962 1,347
Assistant Manager 5,691 5,860 5,380 5,640 5,270 5,521
≤ Assistant** 4,389 6,543 4,485 6,591 4,710 6,789
Total 27,570 27,170 27,177
Note: Proportion of senior managers hired who are Indonesian citizens (WNI). [202-2]
*) Consists of: Senior Vice President, Executive Vice President, and Senior Executive Vice President.
**) Consists of: Assistant and Basic Employee
Composition of Employees Based on Educational Level and Gender [2-7]
2023 2022 2021
Educational Level
Male Female Male Female Male Female
Doctoral Degree 9 4 7 4 6 4
Master’s Degree 1,625 1,219 1,627 1,151 1,598 1,104
Bachelor’s Degree 10,515 11,731 10,355 11,511 10,384 11,674
Diploma 724 1,421 679 1,467 635 1,335
Primary to High School 319 3 363 6 430 7
Total 27,570 27,170 27,177
Recruitment, Retention and Turnover Rate [401-1]
BNI manages human capital by implementing a of BUMN. An explanation of each recruitment program can
comprehensive and integrated human resource be seen in the 2023 Annual Report. In the recruitment
management policy, from the recruitment stage until process, BNI creates an inclusive work environment by
employees leave the company. This process is expected maintaining employee diversity and opening opportunities
to motivate and retain employees. The company conducts for employee candidates from various backgrounds and
recruitment in accordance with available positions and without any differences to become part of BNI.
the suitability of prospective employees with BNI’s
BNI’s Employee Turnover (%)
cultural values. At the recruitment stage, BNI has several
programs aimed at ensuring the availability of talent in
accordance with the bank’s business needs and the needs 2023 2022 2021
for future leaders, such as the Early Recruitment Program
(ERP) program, which is a special recruitment through
1.2 1.5 1.6
the awarding of scholarships to outstanding students
from leading universities to become prospective BNI BNI uses employee turnover rate as one of the parameters
employees, Assistant Development Program (ADP) and to measure employee retention. As of 31 December 2023,
Officer Development Program (ODP). Officer Development BNI recorded a turnover rate of 1.2%, which decreased
Program (ODP) can be conducted to find external and from 1.5% in the previous year. BNI sees this decrease as an
internal candidates, where the Internal ODP program is a achievement/opportunity in implementing the employee
training program for internal employees to be promoted to value proposition, which is to jointly create the best place
a higher level. Furthermore, BNI also contributes to the Joint to learn, grow, and contribute to Indonesia (Learn, Grow,
BUMN Recruitment (PBB) program organized by the Ministry and Contribute to Indonesia).
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Composition of Employees Based on Age Group and Gender [401-1]
2023 2022 2021
Age Group
Male Female Male Female Male Female
< 30 Years 764 790 494 579 539 618
30-50 Years 78 33 45 18 18 17
> 50 Years 13 7 8 2 2 2
Total 1,685 1,146 1,196
Composition of New Employees Based on Operating Areas and Gender [401-1]
2023 2022 2021
Operating Areas
Male Female Male Female Male Female
Head Office 657 477 346 254 260 232
Regional Office 01 11 21 5 14 19 9
Regional Office 02 19 25 6 16 14 15
Regional Office 03 5 6 53 52 54 59
Regional Office 04 15 30 8 20 16 11
Regional Office 05 11 26 20 19 31 44
Regional Office 06 22 31 12 27 21 31
Regional Office 07 11 23 11 23 20 28
Regional Office 08 10 20 2 19 8 1
Regional Office 09 3 5 7 5 13 23
Regional Office 10 10 21 6 26 5 9
Regional Office 11 4 16 9 15 4 6
Regional Office 12 10 21 2 20 24 34
Regional Office 14 11 21 3 23 9 27
Regional Office 15 13 34 5 21 21 39
Regional Office 16 11 10 12 8 7 9
Regional Office 17 18 19 24 12 24 46
Regional Office 18 14 24 16 25 9 14
Overseas Branch 0 0 0 0 0 0
Total 1,685 1,146 1,196
Composition of Exiting Employees Based on Age Group and Gender [401-1]
2023 2022 2021
Age Group
Male Female Male Female Male Female
< 30 Years 35 100 51 102 53 106
30-50 Years 74 114 97 146 97 170
> 50 Years 6 3 12 11 6 4
Total 332 419 436
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Composition of Employees Based on Operating Areas and Gender [401-1]
2023 2022 2021
Operating Areas
Male Female Male Female Male Female
Head Office 37 49 34 44 37 31
Regional Office 01 5 6 5 11 4 13
Regional Office 02 0 9 10 10 9 16
Regional Office 03 5 6 7 14 9 19
Regional Office 04 7 16 16 13 8 21
Regional Office 05 4 16 5 13 9 12
Regional Office 06 11 14 16 31 10 31
Regional Office 07 6 5 10 7 6 14
Regional Office 08 4 7 2 7 0 11
Regional Office 09 9 20 10 25 15 24
Regional Office 10 2 10 10 10 8 8
Regional Office 11 2 4 4 6 8 9
Regional Office 12 6 8 2 12 1 17
Regional Office 14 4 11 4 13 8 14
Regional Office 15 5 8 1 14 6 11
Regional Office 16 3 9 3 5 5 4
Regional Office 17 1 4 8 11 3 15
Regional Office 18 3 15 13 13 10 10
Overseas Branch 1 0 0 0 0 0
Total 332 419 436
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83
Equal Employment Practices [408-1, 409-1]
All BNI employees have consented to and implemented the Collective Labor Agreement (CLA) in carrying out the
bank’s operational activities. In line with prevailing regulations, the CLA, among others, contains regulations on
working time and rest time in Chapter VI Article 20 which indicates the absence of forced labor practices at BNI.
The CLA also regulates overtime as an agreement between employees and Company leaders to complete work that
cannot be postponed. In addition, BNI ensures that all employees have met the minimum working age so that there
is no child labor practice.
Respect for Human Rights and Diversity
BNI’s commitment to creating a respectful work regulations. As per SOEs direction in SE No. SE-3.
environment, free from discrimination, exclusion or MBU.04/2022 regarding the Respectful Workplace
restriction, harassment, bullying and other forms Policy (RWP), BNI implements the Human Capital
of violence, is reflected in the implementation of General Policy and provisions of administrative
employment-related policies. The Board of Directors, sanctions for employees committing RWP violations
especially the Director of Human Capital and Compliance, such as harassment and violence.
supervises the implementation of these policies.
BNI also pays special attention to people with disabilities
The policy contains human rights principles that are and prioritizes gender equality within BNI, subsidiaries
in line with the principles of the International Labor and consolidated affiliated companies. With the spirit to
Organization (ILO), United Nations Global Compact realize the best working environment for employees to
(UNGC), labor laws, and applicable human rights work, BNI was awarded the Best Companies to Work for
Asia 2023 by HR Asia.
BNI highlights the principles of diversity, equality in work opportunities,
01 and nondiscriminative behaviors.
02 Empowering 32 employees with disabilities.
Provide opportunities for association and assembly. There is a Labor
Union and receive input from employees through HC info and/or
03
intermediaries from the Labor Union.
Provide opportunities to carry out religious obligations, where each BNI
04 office is provided with a place to pray.
Implementation Provide remuneration above the Provincial Minimum Wage/City/
of Human Rights 05 Regency Minimum Wage (UMP/UMK) and in determining the basic
Principles in HR salary there is no gender difference.
Management
Stipulate leave of absence for all employees, including three-month
06 maternity leave, and no other normative rights eliminated upon
returning to work.
Provide the rights to not attending work without reducing the leave
07 of absence per stipulation made by the law by submitting a written
request letter to a direct superior with an official proof.
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84 PT Bank Negara Indonesia (Persero) Tbk
Career Opportunities for Employees
with Disabilities Employees with Disabilities
BNI provides equal opportunities for people with disabilities to be part Total number of employees with disabilities
of BNI. BNI considers the level of expertise and skills of respective
individuals to determine the appropriate position and type of work. BNI
also supports the comfort of the work environment for each employee 2023 2022 2021
with disabilities by providing facilities and infrastructures that support
their productivity, such as elevators, parking and toilets for people
32 33 31
with disabilities, ramp access, wheelchairs, walking sticks, etc. In 2023,
BNI had 32 employees with disabilities. BNI supports government
programs to employ employees with disabilities, in accordance with BNI’s
commitment in the implementation of Respectful Work Place (RWP).
Testimonials of Permanent Employees with Disabilities
Muhammad Ariga
Human Capital Business Partner Staff
I find working at BNI very enjoyable and I get facilities that support me to work, including easy access
to the office considering I have a disability. I am grateful and happy as I have now been appointed as
a permanent employee of BNI and have the opportunity to grow as an individual and manage my own
career.
Gustian Hafidh Mahendra
Administration Staff, Retail Collection & Recovery Division
During the recruitment process, BNI assisted the interview by providing a sign language interpreter for
me who is hearing-impaired so that the communication would be effective and efficient. I feel happy
working at BNI, being able to socialize and get acquainted with others, working together, building
relationships, and expanding my horizons on administration.
Increasing the Role of Women at the Managerial Level
Prioritizing equality and fairness, gender equality and women Women holding positions
empowerment are continuously upheld by BNI to empower human above Manager (%) [405-1]
capital and build an inclusive working environment. In addition, BNI
also implements equitable policies for female employees, such as
menstrual leave, day care, maternity leave, employee assistance program 2023 2022 2021
(EAP), nursery rooms in every BNI building facility, and flexible working
arrangements. 30.9 29.8 29.6
BNI also has and applies the Accelerated Career Track policy as an effort to encourage the career progression of
female talent and increase their representation at the leadership level (Assistant Vice President and above). Through
this policy, BNI has proven that it can increase the proportion of female talent at the leadership level over the past
3 years.
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Labor Relations and Collective Labor Employee Competency
Agreement (CLA) [2-30, 407-1]
BNI allows freedom for employees to associate
Development [404-2]
and assemble through the Labor Relations. The
Labor Relations provides a Partnership Forum as a Competency Development Policy
means of communication to maintain relationships To improve employee competencies and capabilities,
among employees and between employees with the BNI routinely organizes training and development
management. programs to encourage better competitiveness in the
future. BNI appoints BNI University as the organizing
Together with the management, the Labor Relations body to cultivate employee competencies, design
developed CLA as a policy related to employment learning strategies in accordance with BNI’s needs and
management that prioritizes human rights. The current design various training programs, including training
CLA is for the period 2022-2024 which regulates the and competency development programs related to
rights and obligations of all (100%) employees, both Sustainable Finance.
permanent and non-permanent employees, CLA is
evaluated and updated on a regular basis. The competency development policy refers to POJK
No. 24 of 2022 concerning the Development of the
Employee Grievance Mechanism Quality of Human Resources of Commercial Banks. As
BNI provides access for employees to submit various stipulated in the Collective Labor Agreement, every
complaints that may affect their safety and comfort employee - permanent and contract employees- is
while working. Through the Grievance Mechanism, entitled to the opportunity to be included in training
employees can express their grievances related to and competency development. In addition, BNI also
work relations, conditions, and employment, directly provides opportunities for interns to deepen their
with the employee’s direct supervisor. The submission knowledge and skills in certain fields of work.
of this complaint is done in a deliberative manner
and if needed, employees can ask the Labor Relations The development of employee competencies and
management to help discuss their complaints with the capabilities is largely carried out through two
Company Leadership in stages. approaches, namely:
1. Tiered Capability Development
In addition, employees can also submit complaints or Development according to the needs of the
feedback regarding policies/regulations issued by the employee level and this development program is
division in charge of Human Capital through Info HC at cross-functional, such as Leadership Program, Risk
the info call center (021-29946088) and email infohct@ Management, Human Capital Program, and Digital
bni.co.id. Info HC is managed by a dedicated team Program.
that will respond to employee inquiries/complaints 2. Position-based Capability Development
or policy inputs and if necessary will also coordinate Development according to the needs of each
with the relevant units to follow up on the report. In employee’s position which is divided into
addition, employee complaints related to the code of development:
ethics can be submitted through the Whistleblowing a. Employee Development, which is development
System (WBS) managed by a third party. The identity based on the need to be able to display the best
and report submitted by the reporter are guaranteed performance of employees.
confidentiality. b. Talent Development, which is the development
of capabilities for outstanding employees who
are categorized as talents with the aim of
occupying potential positions at BNI.
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86 PT Bank Negara Indonesia (Persero) Tbk
Types and Scope of Competency Development Program
BNI has various types and scope of competency of Management, Kellogg School of Management,
development programs in accordance with the purpose Chicago School of Business, IMD Business School,
and objectives: University of Virginia Darden School of Business,
1. Learning programs to improve employee capabilities and NUS Business School.
to support BNI’s businesses 3. A learning program to prepare near-retiring
This learning program consists of 8 areas of training employees
and development, namely Leadership; Finance BNI provides a Pre Purna Bakti program to equip
& Human Capital; IT, Digital & Operation; Legal, employees who will retire so that they have self-
Governance, Audit & Compliance; Network & empowerment strategies and tips for overcoming
Services; Retail Banking; Risk; Wholesale, Treasury mental psychological changes, healthy lifestyles,
& International Banking. The objectives of each financial planning in retirement, and opportunities
area of training and development can be found in to open businesses.
the 2023 Annual Report, Competency Development
Policy chapter on pages 148-151. Based on the current CLA, there is a change in the
2. A learning program to strengthen employees’ retirement age from 55 years old to 56 years old.
leadership capabilities Employees with 55 years of age or employees who
A comprehensive succession planning program will retire in 2023 before the change in CLA have
covering various levels of positions to ensure been provided with Pre Purna Bakti training in 2022.
continuity of leadership that is skilled, competent, The realization of Pre-retirement training in 2023
and ready to face future challenges. The leadership includes training on financial planning, investment,
program is provided to employees from new entry to and healthy lifestyle.
executive level (multi-level positions). Information 4. Postgraduate Education Program
on learning to support leadership capability In realizing Employee Value Preposition (EVP)
is provided in the 2023 Annual Report, Tiered as the best place to learn, grow, and contribute,
Capability Development section. BNI provides opportunities for employees to
develop themselves by pursuing education up to
As part of leadership capabilities development, postgraduate level through:
through the Top Executive Development Program, a. Self Development Program (SDP), is a tuition
executive positions have the same rights and reimbursement program provided for employees
opportunities to improve competencies and who have successfully completed S1, S2, or S3
capabilities, especially in the aspect of leadership. domestic academic education and met all SDP
Therefore, BNI includes members of the Board of program requirements. The study program/major
Directors, members of the Board of Commissioners, that can be selected must be relevant to BNI
and employees one level below the Board of business, such as Computer Science, Economics
Directors through Executive Education, Continual & Econometrics, Statistics, Mathematics,
Mandatory Learning Program (CMLP), Roundtable Accounting & Finance, Business & Management,
Mentoring, and Top Executive Sharing. and Law.
b. Global Postgraduate Program (GPP), is a global-
The Executive Education program is aimed at based employee development program provided
increasing insight into the latest leadership in the form of postgraduate scholarships at the
strategies in the digital era where the program best universities abroad included in the top
collaborates with some of the best business schools 30 universities per subject area based on QS
and universities abroad, such as Harvard Business World University Rankings. GPP is intended for
School, London Business School, Columbia Business outstanding employees who fall into the talent
School, UNSW Business School, Australian Institute category and meet all the requirements of the
GPP program.
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Competency Development on Sustainable Finance [2-17, 404-2][FS4]
BNI’s seriousness in supporting the implementation of contract employees with topics including BNI’s ESG and
sustainable finance is also evident from the development BUMI Program as a Form of BNI’s Support for Achieving
of training modules on environmental, social and Green Economy; Socialization of Permenko No. 1 and
governance (ESG) issues and risks, sustainable finance No. 2 of 2023 related to Subsidized Micro Loan (KUR);
and sustainability principles. The module development Socialization of the Cooperation Program for BPJS TK
was conducted together with Subject Matter Expert Membership Registration through BNI Agen46; and
(SME), consultants, and other competent parties. This so on. These webinars have been watched by 136,998
will help employees to better understand the concept viewers.
the concept of sustainability and ESG risk management,
and be able to analyze the company’s sustainability Throughout 2023, BNI had its 12 members of the
report. Board of Directors and 11 members of the Board of
Commissioners join in sustainability related training.
Based on the RAKB, BNI targets to develop employee The training included topics related to Corporate
competencies related to sustainable finance by 100% of Communications and Sustainability Summit (BCOMSS)
total employees by 2023. By the end of the reporting 2023; Environmental, Social, & Governance (ESG)
period, 25,643 employees, or 93.0% of total employees, Sub-Committee 2023 and Risk Management Overview
have made some developments related to sustainable (RMO) Forum; Internalization of BNI Work Culture to
finance through the e-learning mandatory program. Improve Risk Culture and Risk Awareness; and through
Executive Education Program related to Sustainability;
In addition to e-learning mandatory, BNI also provides as well as other training topics. In addition, members
other sustainability training and development programs of the BNI Board of Directors also actively serve as
in which12,224 employees joined, both permanent and resource persons in various external trainings related
contract employees. The training topics provided include to sustainability. In 2023, BNI noted that members of
training related to ESG Climate Risk - Net Zero Emission the Board of Directors and Board of Commissioners
Based Financing; Green Project Financing in Solar, have become resource persons 12 times with various
Hydro, Geothermal & Carbon Trading; Subsidized Micro sustainability topics, including the SESPIBANK Batch
Loan (KUR); Internal Audit Standards & Code of Ethics; 77 Program in 2023: Resilient Leaders for Sustainable
and many others. BNI also provides learning related Growth, Risk Awareness, Banker Integrity & Ethics, and
to sustainability through webinars for permanent and so on.
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88 PT Bank Negara Indonesia (Persero) Tbk
Realization of Employee Competency Average Training Hours
Based on Gender [404-1]
Development
As of the end of December 2023, BNI has held various
competency development programs for 27,216 employees 2023 2022 2021
ranging from new entry to executive level. Funds realized for
competency development reached Rp346.2 billion. 153.7 185.3 80.3
Male Male Male
134.2 171.5 74.9
Female Female Female
Average Training Hours Based on Job Level and Gender [404-1]
Employees Attending
Annual Training Hours Average Training Hours
Job Level Training
Male Female Male Female Male Female
≥ Senior Vice President *) 78 27 4,908 1,406 62.9 52.1
Vice President 151 47 30,415 4,070 201.4 86.6
Assistant Vice President 843 404 152,523 69,436 180.9 171.9
Manager 2,016 1,479 361,252 288,716 179.2 195.2
Assistant Manager 5,659 5,847 1,033,522 968,954 182.6 165.7
≤ Assistant **) 4,278 6,387 418,669 571,430 97.9 89.5
Total 27,216 3,905,301 143.5
Note:
The data presented consists of the categories of permanent and contract employees.
*) Consists of: Senior Vice President, Executive Vice President, and Senior Executive Vice President.
**) Consists of: Assistant and Employee
The training data presented above, covers various types of training topics, including those related to banking
operations, credit, risk management, sustainable finance, complaint handling, IT, and customer data protection
(financial & non-financial). In addition, we also conducted training topics related to credit collection policies, namely
basic product knowledge & collection, refreshment collection, and teamwork & negotiation skills.
Use of Technology and Digitalization in Competency Development
In the current digital era, BNI has digitized the All employees are required to learn through e-learning
implementation of employee training and development mandatory which then the realization will be reported
by utilizing technology, such as the implementation of to the regulator. In a bite-size learning, DEEP46 is
e-learning mandatory, Daily Exercise Employee Program present to improve knowledge about employees’ daily
(DEEP46) through the BNI Smarter application, the work. In addition, employee development can be done
implementation of webinars through the BNI University by participating in webinars and learning on digital
YouTube Channel, as well as the implementation of learning platforms. All training and development
learning in collaboration with third parties through programs are supervised by BNI University, and/or the
digital learning platforms. division/region organizing the training and recorded
on the Human Capital Management System (HCMS)
platform.
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Employee Welfare
Remuneration and Other Benefits for Employees [2-20, 405-2]
According to BNI’s remuneration strategy to encourage performance culture, BNI provides remuneration as a form
of appreciation to employees based on the performance of each employee. In addition to remuneration, employees
can also receive other forms of appreciation in the form of allowances, incentives and other benefits. BNI considers
the amount of remuneration based on the level of position. In line with the prevailing regulations, BNI also provides
remuneration above the UMP/UMK adjusted in each working area. The provision of remuneration is not gender biased.
Benefits received based on employment status [401-2]
Type of Benefit Permanent Employee Contract Employee *) Trainee
Retirement Benefits v v v
Hari Raya Allowance v v v
Bonus v v x
Healthcare Facilities/Treatment Facilities v v v
Leave Facilities v v v
*) Contract employee allowances/benefits in accordance with the employment agreement agreed by the parties.
In addition to remuneration, BNI also provides leave rights for its employees. Specifically for parental leave, according
to the CLA Article 29, female employees are entitled to take maternity leave for 3 calendar months. This leave is
also given to female employees who experience accidental miscarriage or abortus provocatus. BNI guarantees that
female employees who take maternity leave will be able to return to work with the same status and rights as before
the leave. Article 33 of the CLA regulates the parental leave policy for male employees who are entitled to 2 working
days leave to accompany their legal wife who gives birth or has a miscarriage. During 2023, a total of 1,323 female
employees took maternity leave. A total of 1,323 (100%) employees who took maternity leave have returned to work
after the leave period ended.
Retirement Program [201-3]
BNI regulates a retirement program that is applicable to all employees in PKB Article 53.
This program is provided with the scheme of Defined Benefit Pension Program (PPMP) Rp
and Defined Contribution Pension Program (PPIP) and there is a Retirement Health Fund
(DKMP) program that has been prepared since they were still active employees at BNI. In
2023, BNI recorded 674 employees retiring, consisting of 408 male employees and 266
female employees. Through this retirement program, BNI hopes that every employee
can have a decent life in old age.
• Defined Benefit Pension Program (PPMP) is available for individuals appointed as permanent employees prior to 1
September 2005 with 7.5% fee paid by the employees of their basic pension salary per actuarial calculations.
• Defined Contribution Pension Program (PPIP) is for individuals appointed as permanent employees from 1 September
2005 onwards with 3.5% fee paid by the employees of total cash and 11.5% paid by the Company of total cash.
• Retirement Period Health Fund Program (DKMP) is a defined contribution program for pre-retirement employees and
their spouses that provides health benefits, which have been prepared while the employees are still active.
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90 PT Bank Negara Indonesia (Persero) Tbk
Performance Appraisal Promoting Worklife balance
and Career Path [404-3] BNI believes that employees are an integral part of
BNI provides performance appraisals for all (100%) the organization in realizing the shared vision and
of its employees, without distinguishing ethnicity, mission. Therefore, in order to realize BNI’s vision to
religion, race, intergroup, social status, gender, or create the best conditions for employees as a place
other discriminatory matters that potentially violate of pride to work and achieve, BNI pays attention to
human rights. The form of this commitment is the Employee Wellbeing through the Employee Wellbeing
performance appraisal mechanism by considering the Guidebook which is a guide for leaders and employees
achievement of individual Key Performance Indicator on the importance of wellbeing. Through Employee
(KPI). Wellbeing, it is expected to increase employee
engagement so that productivity increases.
Performance appraisals are conducted on an annual
basis. The performance of each employee is evaluated Employee Wellbeing programs carried out in their
and assessed based on a self-assessment and one-on- respective units, among others:
1. BISASAPA
one mechanism with the line manager. Furthermore,
BISASAPA is a coaching and mentoring culture to
BNI uses the results of the performance assessment
improve the quality of communication between
as a basis for consideration of various aspects, such as
employees, both leaders to teams, or among fellow
reward & remuneration, capability enhancement, and
employees. In addition to BISA, there is a SAPA
career development. program that emphasizes the habit of employees in
greeting each other by name, and the use of 3 magic
BNI guarantees equal opportunities for all employees words, which are sorry, please, and thank you that
to develop themselves and pursue their careers. aim to increase mutual respect between employees.
Employees who have met the criteria for objective 2. Let’s Get It Done
assessment by the staffing committee are entitled Let’s Get It Done is a program to improve the quality
to participate in the promotion (and succession) of meetings to obtain more efficient and effective
program. In addition, BNI also encourages employees results, ensure meetings have a clear agenda, and
to implement continuous feedback and employee determine the effectiveness of meetings to be the
focus in this program.
development through One-On-One Discussion between
3. Wellness Day
employees and Line Managers at the beginning of the
Wellness Day is a program focused on wellbeing
year after performance appraisal to plan the Individual
activities to provide direction to all employees to
Development Plan (IDP) for the current year.
do sports activities together on the 10th of every
month.
Composition and Percentage of Permanent Employees 4. Komunitas BNI
with Review [404-3] BNI has several communities formed based on
2023 sports, arts, and employee hobbies which are
Status Gender gathered in a container called the BNI community.
Total %
One-on- Male 12,150 48 In addition, BNI provides Work Hub as an alternative
One Review
Female 13,310 52 workplace built to support flexible working
of Career
Total 25,460 100 arrangements and improve employee experience.
Development
Through the DigiHC application, employees can see the
availability and order Work Hub so that employees can
work at their respective domicile locations supported
by an internet access network & adequate office
equipment. In addition, line managers can monitor the
productivity of employees working in the Work Hub
through the daily planner feature in DigiHC.
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91
Employee Engagement and Satisfaction Employee Engagement Level
BNI realizes that employee satisfaction at work can encourage good
loyalty to the bank. Therefore, BNI uses employee satisfaction survey to 2023 2022 2021
interact with employees and monitor their satisfaction. All employees
can fill in the survey questionnaire conducted through DigiHC. The 96% 96% 96%
survey results conducted will be followed up as a basis for BNI to improve
employee satisfaction in the following years. In 2023, BNI obtained an Employee Satisfaction Level
employee engagement level of 96% and employee satisfaction level
showed a score of 92%. 2023 2022 2021
92% 90% 90%
Decent and Safe Workplace
Access to Safety and Healthcare BNI has not formed an OHS committee nor has an
OHS policy related to building management. However,
Facilities [403-1, 403-3, 403-4, 403-5, 403-6, 403-7, 403-8] BNI’s operational buildings have adopted the building’s
A healthy, decent, and safe working environment is
Technical Operating Instructions (PTO) owned by each
one of the important aspects in realizing a Respectful
Building Management as a guideline/guide in dealing
Working Place for employees. To achieve this, BNI
with building emergencies. The PTO applies to all
strives to fulfil supporting facilities, such as dining
(100%) BNI employees.
rooms, nursery rooms, daycare, sports facilities, and so
on.
Incident Reporting Mechanism
[403-2, 403-4]
BNI also pays attention to the health and safety of each
BNI has a mechanism for submitting permission to rest/
of its employees, one of which is by providing easy
leave the office to employees who experience incidents
access to health/medical clinics at Grha BNI, Menara
concerning their health and/or safety. The incident
BNI, Plaza BNI, and Gedoeng BNI. Employees who need
reporting mechanism is recorded in Business Continuity
referrals can visit hospitals in the DKI Jakarta area that
Management (BCM) as a guideline for anticipating
have collaborated with BNI. As for operational areas
hazard mitigation. Employees who perceive a potential
outside DKI Jakarta, employees can be referred to
hazard can report it to the Crisis Management Team
hospitals in the nearest city that have also collaborated
(CMT) or Emergency Task Force established by BNI.
with BNI. In increasing awareness about the importance
of health, BNI also took the initiative to hold webinars
Unhealthy employees have the right to apply for
and health broadcasts to all employees.
permission to leave the office and inform their health
condition through DigiHC. BNI also provides a means of
Other facilities to maintain employee safety, namely
complaint for employees who want to report potential
by providing light fire extinguishers (APAR) and other
hazards, asset damage, or problems related to other
safety tools, such as cabinets and personal protective
building facilities via phone/WhatsApp and minutes of
equipment (PPE), as fire prevention efforts. Periodically,
damage by Building Management to facilitate employees
BNI employees at Grha BNI headquarters, Menara
in reporting potential hazards or asset damage. During
BNI, Plaza BNI, and Gedoeng BNI also conduct fire
2023, BNI received 172 complaints related to building
and earthquake simulations at least twice a year.
facilities with 100% resolution.
The simulation can be carried out through BNI’s
cooperation with the building manager and the local
Fire Department. Until the end of the reporting period,
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93
Commitment to Sustainable Finance Implementation
Membangun Budaya Keberlanjutan [2-27]
The Bank has integrated sustainability and Sustainable 4. Organizing training to enhance employee knowledge
Finance principles into the Bank’s organizational structure on sustainability; and
from staff to management level with the goal of creating 5. Mapping credit portfolio with high impact on the
a sustainability culture throughout the Company through environment.
the following initiatives:
1. Forming the Environment, Social, & Governance (ESG) BNI has organized various internal programs to ensure the
Sub-Committee under the Risk Management & Anti- implementation of sustainability, including socialization
Fraud Committee as per the Board of Directors’ Decree of the Indonesia Green Taxonomy (THI) to business units,
No. KP/484/DIR/R of 26 October 2021; implementation of ESG-based training, Go Green initiative,
2. Forming a special Department within the ERM Division mandatory e-learning program for all employees, as well as
to monitor the daily sustainability practices internally enhancement of ESG awareness through the BNI website
at BNI; and various channels of communication, such as YouTube,
3. Composing credit policies by taking the Environmental, email blast, and the Sinergi 46 BNI Magazine. Furthermore,
Social, and Governance (ESG) factors into consideration BNI has strengthened its commitment by formulating an
as well as including the sustainability principles in ESG framework and roadmap as well as the policy/SOP for
the Code of Ethics, policies, and Standard Operating their implementation, including sustainable finance.
Procedure (SOP);
Sustainable Finance Action Plan (SFAP)
BNI realized Sustainable Finance implementation through Stress Test (CRST), constructing the Carbon Project,
composing the SFAP by designing a more structured developing Environmentally Friendly MSME & Go Global
and detailed plan for the gradual implementation of MSME, implementing sustainable finance inclusion, and
sustainable finance in business operations while taking developing other sustainability products.
the ESG risks aspect into consideration. Additionally, the
Bank is committed to complying with existing regulations Furthermore, through the President Director’s Decree
as well as supporting the Sustainable Finance Roadmap on the Implementation of Sustainable Finance No.
drafted by OJK and Sustainable Development Goals KMP/4/2602, BNI established the Environment, Social,
(SDGs) in Indonesia. & Governance (ESG) Sub-Committee under the Risk
Management & Anti Fraud Committee through Decree of
In the SFAP formulated in 2024, BNI focuses on improving the Board of Directors No. KP/484/DIR/R dated October
competitiveness by devising an action plan to fortify BNI’s 26, 2021. BNI has determined the implementation of
position in facing climate change risks and implementing Sustainable Finance and the division of functions related
sustainable finance by conducting the Climate Risk to Sustainable Finance.
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94 PT Bank Negara Indonesia (Persero) Tbk
Sustainability Governance Structure [2-9]
In implementing sustainability governance, BNI is supported by its leaders, which are the Board of Commissioners
and Board of Directors, being directly engaged in the planning and monitoring of Sustainable Finance. The Bank
has an ESG Sub-Committee under the Risk Management & Anti-Fraud Committee. The personnel of the ESG Sub-
Committee is comprised of cross-function members in accordance with Directors’ Decree No. KP/745/DIR/R dated 26
October 2023.
Chairman : Vice President Director
Vice Chairman : Risk Management Director
: Head of the Enterprise Risk Management Division (concurrently holding
Secretary
the permanent member position as a non-voting member)
: • Finance Director
• Wholesale & International Banking Director
• Institutional Banking Director
Permanent Member Equivalent to the Board of • Enterprise & Commercial Banking Director
Directors and SEVP (Voting Member) • Retail Banking Director
• Network & Services Director
• Technology & Operation Director
• SEVP Treasury
Permanent Member Equivalent to the Board of : Human Capital & Compliance Director
Directors (Non-Voting Member)
: • Head of Corporate Secretary Division
• Head of Policy & Governance Division
• Head of Data Management & Analytics Division
• Head of Corporate Development & Transformation Division
• Head of International Banking & Financial Insitutional Division
• Head of Subsidiaries Management Division
• Head of Procurement & Fixed Assets Division
• Head of Treasury Division
• Head of Compliance Division
• Head of BNI University Division
• Head of Human Capital Strategy Division
• Head of Human Capital Services Division
• Head of Corporate Banking 1 Division
Permanent Member Equivalent Division • Head of Corporate Banking 2 Division
(Non-voting Member) • Head of Corporate Banking 3 Division
• Head of Corporate Banking 4 Division
• Head of Syndication & Structured Finance Division
• Head of Enterprise Banking Division
• Head of Commercial Banking 1 Division
• Head of Commercial Banking 2 Division
• Head of Operational Risk Management Division
• Head of Corporate & Enterprise Credit Risk Division
• Head of Commercial Credit Risk Division
• Head of Consumer Product Division
• Head of Retail Productive Banking Division
• Head of Small Business Program Division
• Head of Card Business Division
• Head of Agen46 Division
Sector Director/SEVP/Division/Unit Leader related to the topic of
Non-Permanent Member (Non-Voting Member)
discussion
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Delegation of Responsibility for ESG Management [2-9, 2-13, 2-14, 2-15, 2-16]
The ESG Sub-Committee was formed as the party
responsible for ESG implementation at BNI, with the
following key duties:
1. Preparing policies and strategies on ESG
management and their amendments;
2. Identifying potential ESG risks impacting BNI and its
stakeholders;
3. Monitoring the implementation of Sustainable
Finance strategy;
4. Monitoring, evaluating, and giving recommendations
on the results of BNI’s ESG assessment;
5. Evaluating the implementation of ESG strategy
across all BNI’s lines of business.
The management of sustainability and ESG aspects is
the responsibility of all work units under the monitoring
of the Board of Commissioners and Board of Directors.
BNI formed the Environment, Social, & Governance
(ESG) Management Department under the Enterprise
Risk Management (ERM) Division with the following key
duties:
1. Developing the ESG framework & roadmap as the
Bank’s guideline in implementing ESG principles;
2. Developing, reviewing, and evaluating the Bank’s
Net Zero Emission (NZE) roadmap;
3. Developing the framework, managing, and
monitoring climate change risks;
4. Coordinating the implementation of ESG principles
and climate change risks across all of the Bank’s
lines of business, including Subsidiary Entities;
5. Acting as the liaison with external parties relevant
to ESG implementation;
6. Carrying out activities as the ESG Sub-Committee
Supporting Staff Group (SSG) coordinator;
7. Monitoring and managing the bankwide realization
of ESG implementation based on the roadmap;
8. Coordinating the formulation and evaluation of the
implementation of the Sustainable Finance Action
Plan (SFAP) and/or Corporate Plan relevant to ESG;
9. Monitoring the exposure and reporting to regulators/
other external parties relevant to ESG, such as the
Green Portfolio, Green Bond, and other ESG-aware
bonds.
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96 PT Bank Negara Indonesia (Persero) Tbk
Enterprise Risk Management Division Organization Structure
Enterprise Risk
Management Division
Enterprise & Market & Liquidity Credit Risk Credit Risk Risk Model Environmental, IT & Digital Risk
Integrated Risk Risk Management Management Management Validation & Social & Management
Management Department Portfolio Modelling Methodology Governance Department
Department & System Department Department Management
Department Department
Enterprise Risk Market & Liquidity Credit Risk Wholesale Credit Risk Model Environmental, IT & Digital Risk
Methodology & Risk Methodology Portfolio & Risk Management Validation & Social, Governance Methodology &
Governance & Governance Management & Modelling Team Methodology Management Governance Team
Team Team
Enterprise Risk Retail Credit Risk IT & Digital Risk
Market Risk Credit Risk System Climate Risk
Management Management & Management
Management team Management Management
Team Modelling Team Team
Integrated &
Liquidity Risk
Subsidiary Risk
Management
Management
Team
Team
Middle Office
Team Market &
Liquidity Risk
Management
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Monitoring and Evaluating ESG Management
Summary of ESG risk management at BNI
Strengthening the Proposal for the
ESG aspects in strengthening of Monitoring the
Identification of Implementation
the credit process, ESG aspects in the implementation
sectors with emissions of the ESG aspect
one of which by credit process to the of the ESG aspect
and high impact on the assessment in the
strengthening RAC Board of Directors assessment in the
environment credit process
and Debtor Rating in accordance with credit process
assessment authority
Continue & Improve
Monitoring:
Identification: Mitigation: Approval: Implementation: Business and
ERM, PGV, ERM, PGV, Business Director, Business units, Risk sector
Business Units Business Units, Risk and Policy; risk units and Director,
and Risk Risk Units ERM, PGV ERM Business units,
Risk units and
ERM
Policy to Manage Environmental, Risk Identification Procedure
Social, and Governance (ESG) Risks in Sustainable Finance
[2-13]
Implementation and Management
The Bank is committed to maintaining the highest [2-16, 2-25, 2-26] [FN-CB-550a.2]
ethical standards in operations and reporting which There are four pillars of Risk Management In identifying,
are accountable, accurate, and transparent, as well as measuring, monitoring, and controlling Sustainable
compliant to prevailing laws and regulations. Therefore, Finance risks, which are:
the Board of Directors and Board of Commissioners play 1. Active Monitoring by the Board of Commissioners
a significant role in supervising the implementation of and Board of Directors;
good governance principles in all work units and ensuring 2. Adequacy of Limit Policies, Procedures, and
responsible business practices, as well as encouraging Establishment;
the prudence principles in risk management. 3. Internal Control System;
4. Adequacy of Process of Risk Identification,
The Bank outlined the governance structure, policy, Measurement, Monitoring, and Management, as well
and procedure to assist with the identification and as Risk Management Information System.
management process of environmental, social, and
governance (ESG) risks throughout BNI’s value chain.
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98 PT Bank Negara Indonesia (Persero) Tbk
Based on identification results, the Bank discovered risks in Sustainable Finance implementation, which include:
No. Risk Risk Mitigation [2-25]
ESG risk in banking operations
1 The Bank’s operations 1. All the Bank’s operational offices are at their designated locations.
bring negative impacts 2. The Bank’s operations generate waste in a minimum amount and is included in the form
on the environment and of household waste.
community 3. The Bank makes efforts to process wastewater by using it for other needs, such as
watering plants.
4. The Bank attempts to save on paper use by making digitalization efforts in its operational
activities.
2 Digital financial 1. Identification, assessment, review, and improvement relevant to the digital risk of each of
products/services BNI’s digital program
increase the risk of 2. Identification, assessment, review, and improvement relevant to endurance against cyber
technological crime crime.
and threaten customer 3. Assessing and improving the security maturity of third parties.
privacy 4. Assessing the data privacy and data security adequacy by way of end-to-end process.
3 Increase of emissions 1. BNI has implemented energy saving in the forms of:
from the Bank’s • Switching off lights during break hours every workday
operations • Using solar energy for lighting the emergency exit areas in BNI’s main building
• Optimizing meetings through online platform
• Optimizing the use of central AC in the Head Office building
• Organizing online trainings through Zoom or webinars
2. BNI established the NZE target of operations as well as the strategy to reduce emissions
based on the Science Based Target principle.
4 Threat of physical risks • The Bank has conducted a natural disaster risk analysis on office selection.
(flooding, drought, and • In general, the Bank’s offices are located in the urban areas, hence not exposed to the risk
forest fire) to the Bank’s of forest fire.
offices • BNI has a Business Continuity Management as one of the efforts to mitigate natural
disaster conditions.
ESG risk in credit disbursement [FN-CB-410a.2]
5 Credit disbursement to a 1. The Bank has a Risk Acceptance Criteria (RAC), which contains the minimum requirements
high emissions sector that (prospective) debtors must have for sectors with high impact on the environment,
such as RSPO/ISPO certification for debtors in the oil palm plantation sector, fulfilling
environmental documents, such as AMDAL or UPL/UKL or PROPER as per their business
sector.
2. The Bank selectively finances high emissions sectors by taking into consideration the
ESG implementation conducted by debtors as well as the energy transition plan made by
debtors.
3. The Bank disburses financing in the form of Sustainability Linked Loan to urge debtors to
initiate their energy transition.
6 Violation of ESG aspects Business units will regularly monitor through the watchlist system and debtor level
by existing Debtors assessment. If there are any violations made against the ESG aspect, the relevant parties will
undergo verification and the level of debtors will be adjusted should there be any evidence of
not meeting the determined ESG aspect.
7 Green bond Evaluation and selection of projects with green bond disbursement are led by the ESG sub-
disbursements not committee chaired by the Vice President Director. Distribution is carried out on green projects
in line with their in accordance with the technical guidelines POJK 51 of 2017. The second party opinion (SPO)
designations has formed its opinion over BNI’s green bond disbursements report.
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PT Bank Negara Indonesia (Persero) Tbk
99
No. Risk Risk Mitigation [2-25]
8 Debtors under A penalty system option is imposed onto debtors for every failure to achieve the agreed
Sustainability Linked upon KPI SPT. An annual review by an independent third party is performed on the credits to
Loan not meeting the evaluate the debtors’ performance, including their achievement towards the KPI SPT targets.
agreed upon KPI SPT
targets.
Social risk in implementing financial literacy and inclusion
9 Uneven spread of 1. Established target market of financial literacy and inclusion beneficiaries.
financial literacy and 2. Developing regional mapping on the target market of financial literacy and inclusion
inclusion beneficiaries beneficiaries.
3. Financial literacy and inclusion is conducted gradually in accordance with mapping results
on the target market of financial literacy and inclusion beneficiaries.
Problems, Challenges, Trends, and Impacts
of Sustainable Finance Implementation
In implementing sustainable finance, BNI faces various In line with developments in sustainable finance
issues and challenges such as the following: implementation, BNI perceives many changes and
1. BNI faces challenges relevant to supporting activities opportunities impacting the banking operational
for Sustainable Finance implementation with an activities and financing activities, which include:
unevenly spread understanding of ESG integration. 1. An increase in green financing opportunities in
Going forward, internal capacity building will Indonesia, which requires the Bank to cultivate
be carried out through training or e-learning on collaboration by communicating with the
Sustainable Finance, either conducted by BNI or government, contacting potential overseas investors,
related (external) parties. and utilizing partnerships with domestic and
2. The awareness of debtors on ESG needs further international institutions to promote the progress of
improvement, particularly in climate change risk sustainable finance;
management, considering this requires technological 2. A growing awareness from the business world,
change and considerably hefty costs that may burden particularly from the corporate segment beginning to
the debtors; take Environmental, Social, and Governance aspects
3. Challenges for the Bank in creating new sustainable into consideration when conducting their business;
products needed by customers and debtors without 3. Increasing attention from the government, regulators,
disregarding the risk and prudence aspects, and investors regarding the implementation of a
particularly in matters of credit risk, cyber security, sustainable business with the expectation of creating
and customer data security; environmentally and socially sound products.
4. Digitalization of ESG database management that 4. Carrying out Environmental and Social Responsibility
assists in the bankwide identification and monitoring (CSR) activities to support an environmentally and
process of green portfolio and carbon emissions; socially aware portfolio.
5. Standardization of ESG stipulations is considerably 5. The opening of sustainable niche markets as the
varied and complex, which complicates the selection target market for the development of sustainable
of standards to be fulfilled; finance products/services meeting their needs;
6. The latest ESG stipulations that must be implemented 6. Development of digital-based financial product/
by the banking industry, such as the Climate Risk service innovations to reduce the need for customers
Stress Test and IFRS S1 & S2, require the Bank to to commute to branch offices.
prepare the knowledge, skills, tools, and Human 7. Collaboration with various parties who have
Capital to accommodate said stipulations. expertise in sustainability issues to develop programs
supporting sustainability aspects and SDGs.
8. Encouraging debtors to implement sustainable
finance through Sustainability Linked Loan
disbursement.
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100 PT Bank Negara Indonesia (Persero) Tbk
Good Corporate Governance (GCG) Implementation [2-9, 2-10, 2-11, 2-12,
2-19, 2-20, 2-21]
Amid the rise of sustainability issues, the Bank directs the governance organs to be
responsible and take action in managing GCG principles. The principles function as the
basis in implementing the corporate governance, Sustainable Finance, and sustainability
principles at BNI.
BNI has a governance structure that engages the Board of Directors and Board of Commissioners. The Board of
Directors manages and supervises operations, whereas the Board of Commissioners supervises the Board of Directors’
performance. Each Directorate is led by a Director, with divisions to manage ESG-related matters. The Board of
Directors is collectively responsible for the ESG performance within the company. The complete good corporate
governance structure is available for access in the 2023 Annual Report on page 612.
Stakeholders have the authority to nominate and appoint the Board of Directors as well as the Board of Commissioners
and ratified in the GMS. The Bank guarantees there are no conflicts of interest among the Board of Directors, Board
of Commissioners, and Shareholders that may influence the decisions made. Disclosure of information regarding
relevant matters is presented in the 2023 Annual Report.
Composition of the Board Board of Director’s Performance
of Directors and Board of Assessment [2-18]
Commissioners [2-11] There are several procedures applied to evaluate and
Information of the Board of Commissioners, Board of assess the performance of the Board of Directors,
Directors, and its committees in the Annual Report, which are assessment by the GMS, fulfillment of the
which is accessible on: Company’s performance targets, and GCG assessment.
• Board of Directors’ Chapter on pages 637-679. More detailed information on this matter can be viewed
• Board of Commissioners’ Chapter on pages 680-749. in the Annual Report, Board of Director’s Performance
• Board of Commissioners’ Supporting Organs on Assessment on pages 717-719.
pages 750-815.
• Board of Directors’ Supporting Organs on pages 816- Code of Conduct
863. BNI’s prevailing code of conduct holds fundamental
principles that sustains the existing vision, mission,
Knowledge Improvement values, and regulations. The code of conduct becomes
the guideline for all BNI personnel in performing
Relevant to Economic, Social, and business, and it applies to all BNI Hi-Movers, from
Environmental Topics [2-17] the Board of Commissioners, Board of Directors, to all
The Board of Directors must continue improving employees.
their knowledge and skills to overcome challenges,
particularly regarding sustainability issues. Information The implementation of the Code of Conduct is crucial
on competency development of the BNI Board of to the good corporate governance and sustainability
Directors members is presented on page 87 of this principles within BNI. The Code of Conduct is socialized
report. through sharing session, internal media, seminar,
coaching, and distribution of BNI Code of Conduct
pocketbooks. More detailed information on the Code of
Conduct can be viewed in the 2023 Annual Report on
pages 904-905.
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PT Bank Negara Indonesia (Persero) Tbk
101
Violations Reporting System [FN-CB-510a.2]
This Whistleblowing System (WBS) of BNI with the The WBS is managed by an Internal Audit, collaborating
name of “WBS to CEO” aims to detect early indications with an external party/independent consultant, which
of and prevent violations from occurring in every aspect is Deloitte, to acquire active participation from the
of the bank’s business, including Fraud, Regulation/Law Whistleblower. Hence, the WBS is expected to promote
Violation, Conflicts of Interest, Bribery/Gratification/ a work climate that is transparent, fair, and responsible.
Extortion (Illegal Retribution), and Code of Conduct The number of complaints received through WBS can
Violation/Unethical Conducts. be viewed in the 2023 BNI Annual Report on pages 963-
965.
WBS reporting is available through:
Website : https://bni-transparan.tipoffs.info
Email : bni-transparan@tipoffs.com.sg
Phone : 021-57853377
SMS/WhatsApp : 0811-970-1946
Letter : BNI Transparan PO Box 2646/JKP 10026
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102 PT Bank Negara Indonesia (Persero) Tbk
Anti-Corruption, Anti-Bribery, and Anti-Fraud Policies [2-16, 205-1]
[FN-CB-510a.1]
In an effort to preserve the company’s reputation, BNI is committed to gaining
more trust from all stakeholders. A number of policies have been made effective to
Rp
manage issues, such as corruption, bribery, and fraud; and they are applied to all BNI’s
employees, including members of the Board of Directors and Board of Commissioners.
The policy relating to Anti-Corruption and Anti-Bribery is established in accordance
with the prevailing laws and regulations as well as POJK No. 39/POJK.03/2019 on the
Implementation of Anti-Fraud Strategy.
To conduct business activities that are free from Communication, Socialization, and
corruption, bribery, and fraud, BNI has established
several organizations, including the Gratification Control
Training on Anti-Corruption and
Unit (UPG), Anti-Fraud Unit, Anti Fraud Committee. Anti-fraud [205-2]
Reports from these units will be forwarded to the BNI conducts socialization to increase awareness about
management/Directors. BNI also implements policies anti-corruption and anti-fraud, including:
and procedures to enforce anti-corruption, anti-bribery 1. Mandatory E-Learning on Gratification and SMAP
and anti-fraud, among others: Control on BNI SMARTER in the form of a video
1. Employees’ signing the Integrity Pact as a form of that has been accessed and resolved by 25,356 BNI
controlling gratification at the beginning of year. employees.
2. Gratification and Anti-Bribery Declaration in a 2. Awareness and socialization on anti-fraud and anti-
periodic manner. gratification for employees and other stakeholders.
3. Development of Code of Conduct that becomes the 3. Performing periodic Quality Standards and Morning
basis for conduct guideline. Briefing.
4. Implementation of anti-bribery is in accordance 4. Socializing Gratification and SMAP Control
with the anti-bribery management system so that to Outsource Workers (TAD), Bina BNI Officer
the Bank now has ISO 37001:2016 Anti-Bribery Development Program (ODP), Secretary to the
Management System (ABMS). Board of Directors, Personal Assistant to the Board
5. Work Guidelines for the Risk Management & Anti- of Directors and Protocol, as well as all Subsidiaries
Fraud Committee have been approved through the as BNI’s Financial Conglomerate.
Decree of Board of Directors No. KP/745/DIR/R 5. Encouraging all BNI’s employees not to solicit and/
of 26 October 2023 on the Structure of the Risk or accept any rewards in any form from Third Party
Management and Anti-Fraud (KRA). and encouraging the reading of Integrity Pact to
6. Compliance Guidelines on Anti-Fraud Strategy has buttress BNI’s commitment concerning gratification
been stated in the Online Company Guidelines (e- control to debtors.
PP) No. IN/0/SAF/002 dated 18 July 2023. 6. Organizing socialization and encouragement
7. Company Guidelines on Administrative Sanction related to anti-gratification, SMAP, and corruption
which states employees committing fraud is subject prevention guidelines through posters, BNI’s
to a single sanction, i.e. termination of employment. website, national mass media, and BNI Forum.
8. The signing of Integrity Pact by Prospective 7. Having employees involved in trainings and
Debtors/Debtors for the credit agreement that has certifications.
been included in the Credit Company Guidelines
concerning the Credit Agreement.
9. The signing of Integrity Pact by Procurement
Committee, Pemutus, Chairman of User Unit and/or
Implementing Unit, and Procurement Participants
has been elaborated in the Company Guidelines of
Procurement.
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103
Monitoring, Evaluation, and Follow-Up
Fraud prevention is monitored by the Anti-Fraud Unit The ABMS implementation is reviewed through an audit
in cooperation with the Risk Management & Anti- by an external certification institution every year. In
Fraud Committee. To prevent corruption, bribery, and the 2023 Surveillance Audit ABMS, there were no major
fraud, the Bank performs an evaluation through Active and minor findings exhibiting BNI’s commitment and
Monitoring by the Board of Directors and Board of consistency relating to the ABMS implementation.
Commissioners. In support of the anti-fraud strategy,
the Bank complies with the regulator’s stipulations and The Bank is committed to lowering the number of
periodically reports to the Financial Services Authority fraud incidents and preventing corruption through
(OJK) in the form of Anti-Fraud Strategy Report. corrective action, which includes the strengthening of
the following aspects:
Controlling gratification in BNI requires follow-ups • Human Capital by strengthening integrity and
and evaluation by sending evidence of all BNI UPG understanding of risks.
activities to Corruption Eradication Commission (KPK). • Tools that can help leadership elements in conducting
Of the evaluations led by KPK, BNI scored a maximum supervision.
100 for the Gratification Control Program (PPG) and • The mitigation and detection of external fraud cases
received an Appreciation Certificate from KPK as UPG in Card Payment Instruments (APMK) products.
with the highest score in the category of BUMN/BUMD/ • Risk literacy among customers by giving education to
Subsidiaries. customers via the Bank’s official media.
Strict Sanction [205-3]
The Bank will not tolerate corruption, bribery, and fraud acts performed by employees, vendors, business partners,
and other stakeholders. Sanctions will be given in accordance with the type of violation in the forms of a letter of
warning, reform, demotion, up to termination of employment and demand for recompense. For employees committing
fraud, they are imposed a single sanction in the form of termination of employment and other sanctions to prevent
any reoccurrences.
Fraud Cases Found [205-3]
Number of Cases Committed by
Member of Board of
Non-Permanent Employees
Internal Fraud in 1 Year Directors and Board of Permanent Employees
and Outsourced Personnel
Commissioners
2023 2022 2021 2023 2022 2021 2023 2022 2021
Total fraud cases 0 0 0 10 14 9 0 7 3
√ Resolved cases 0 0 0 8 14* 9 0 7* 3
√ Under resolution process 0 0 0 2 0* 0 0 0* 0
within BNI
√ No attempt at resolution 0 0 0 0 0 0 0 0 0
Followed up through legal 0 0 0 2 2 4 0 1 1
process
Note: Fraud cases with a loss above Rp100 million
* Restatement as the fraud findings that had been undergoing a process by BNI up to the end of 2022 were resolved in 2023.
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104 PT Bank Negara Indonesia (Persero) Tbk
APU-PPT Movement and PPPSPM
The Anti-Money Laundering and Counter Terrorism b. Supervision and socialization of APU-PPT and
Financing (APU-PPT) and Proliferation of Weapons of PPPSPM Program implementation in Branch Offices
Mass Destruction Prevention (PPPSPM) guidelines are (based on the Branch Risk Rating assessment results)
outlined in the Online Company Guidelines (e-PP) No. and relevant Division;
IN/12/KPN/002 of 3 January 2023. The implementation c. Refreshment program on APU-PPT and PPPSPM for
of APU-PPT program adheres to 5 pillars, which are BNI’s Board of Commissioners and Board of Directors
active oversight by the Board of Directors and Board of and Subsidiaries;
Commissioners, Policy and Procedure, Internal Control, d. Employee awareness and competence enhancement
Management Information System as well as Human by disseminating typology, latest modus, and lesson
Capital and Training. Once a year, BNI will submit a APU- learned on APU PPT and PPPSPM in a reminder
PPT Program Implementation Report to OJK. letter to all Branch Offices, Regionals, Division, and
Unit.
All BNI employees receive regular socialization to
increase their awareness towards APU-PPT and PPPSPM More detailed information on APU-PPT and PPPSPM
through the following: can be viewed through https://www.bni.co.id/en-
a. Electronic-based/online-based training via APU- us/company/corporate-governance/patriot-ac t s-
PPT and PPPSPM e-Learning media on BNI Smarter certification-aml.
as well as one-on-one training, such as Overseas
Business and Cross Border Correspondent Banking The implementation of APU-PPT and PPPSPM is a part
trainings which are given to new prospective of the internal control in the Bank’s operations. In 2023,
employees and particular Division/Unit; BNI had no involvement in nor were there any complaint
filed related to money laundering and counter terrorism
financing and/or proliferation of weapons of mass
destruction.
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105
Stakeholder Engagement [2-29, 2-30]
BNI’s stakeholder engagement is based on the management’s assessment results which take influence, dependency,
responsibility, and proximity into account. The Bank also identifies significant issues and the needs of stakeholders.
Customer: Economic relations
Engagement Method Significant Topics/Issues and Needs BNI’s Response
• Call center services, branch offices, • Security of banking transactions • Innovation of products and services
phone banking, chat (website, • SME loans according to needs and technological
WhatsApp Business, Tanya BNI on BNI • Banking facilities and ease of developments
Mobile Banking and BNI Call Virtual access • Financial education related to banking
Assistant application), as well as social • Clear and transparent products
media (Facebook, Instagram, and information on banking products • Storage and protection of customer data
Twitter) and services as per regulations
• Customer satisfaction survey • Strengthening the data security system
• Information from website & frontliners and strive for ISO 27001 certification
• Gathering of Agen46 agents • Reaching and nurturing SMEs, to
helping provide financing
Frequency
• At all times
• Once in two years
• At all times
• At least once a year
Investors/Shareholders: Economic, Ownership & Legal relations
Significant Topics/Issues
Engagement Method BNI’s Response
and Needs
• Quarterly Performance • Financial and non- • Periodic information disclosure on BNI performance as per
Report financial performance capital market and banking provisions
• Analyst Meeting • Environmental, Social • Regular communication with analysts and investors to ensure
• Reporting to the and Governance (ESG) the information dissemination
Indonesia Stock Performance • Increasing the frequency and quality of meeting with investors
Exchange (IDX) • Increased investment • Strengthening the compatibility of investors’ interests with the
• Holding Annual GMS value (shareholder Bank’s policies
(once a year) and return). • Exercising the agreed strategies to achieve business targets
Extraordinary GMS when • Comprehensively disclosing information on ESG performance
needed in Sustainability Report
• Collaborating with external parties, such as Rating Agency,
Public Accountant, and others to evaluate credit rating,
financial performance, and ESG performance
• Developing Annual Report and Sustainability Report
• Strengthening employee capabilities and skills
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106 PT Bank Negara Indonesia (Persero) Tbk
Employees: Legal relations & stakeholders involved in the achievement of company goals
Engagement Method Significant Topics/Issues and Needs BNI’s Response
• Internal Media (eSinergi • Employee rights • In-class training and e-learning
digital magazine, HCMS, • Training and development • Performance appraisal and promotions
Sinergi magazine, BNI • Equality of opportunity • Availability of communication facilities such as
Forum) • Career development HCT info, internal communication (eSinergi, SMS
• Annual Employee • Valuable and enjoyable work Blast)
Satisfaction Survey experience • Existence of whistleblowing system
• Work life balance • Existence of labour relations
• Availability of Facilities and Infrastructure to
carry out activities
• Welfare provision for work and post-employment
periods
Labour Relations: Legal relations
Engagement Method Significant Topics/Issues and Needs BNI’s Response
• Meetings and Discussions Employee rights, remuneration, and • Accommodating and identifying proposals and
• Discussion of Collective benefits inputs from the Labor Relations
Labor Agreement (CLA) • Opening communications in case of industrial
every two years relations disputes
• Holding regular meetings in bipartite forum
between BNI and labor relations
• Ensuring the safety and rights of workers through
the Collective Labor Agreement (CLA)
Government/OJK: Legal relations/Interest as a Financial Services Institution
Significant Topics/Issues and
Engagement Method BNI’s Response
Needs
• Submission of the Bank’s • Compliance with laws and • Compliance with applicable regulations
Business Plan and its regulations • Paying taxes, retributions and Non-Tax State
execution to Bank Indonesia • Environmental & social risk Revenue (PNBP) in accordance with prevailing
and the Financial Services analysis in lending regulations
Authority (OJK) • Anti Bribery and Corruption • Developing a Sustainable Finance Action Plan
• Submission of the (ABC), Anti-Money Laundering (RAKB)
Sustainable Finance Action (AML) and Anti-Terrorism Green • Establishing an ESG Sub-Committee to monitor
Plan to OJK banking Inclusive banking RAKB implementation
• Other reports in accordance • Sustainable finance • Adjusting internal policies and regulations with
with applicable stipulations government policies
to regulators at least once • Implementing GCG principles in all work units
a year • Submitting reports on performance and other
activities: Sustainable Finance Action Plan Report,
Annual Report, Sustainability Report, and other
reports
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107
Suppliers: Economic and Legal relations
Engagement Method Significant Topics/Issues and Needs BNI’s Response
Seminars and socialization of policies Mutually beneficial relationship • Building collaborations with partners in
as needed with suppliers, fair and transparent the provision of goods and services for
procurement process for goods and the Bank
services • Fair and compliant partner selection
process
• Payment system based on work contract
• Socialization of procurement procedure
policies
Community: Social relations, social license & social responsibility and proximity to the company
Engagement Method Significant Topics/Issues and Needs BNI’s Response
Strategic cooperation in • Environmental impact and • Implementing Financial Inclusion and Literacy
BNI’s social care through the performance initiatives
Social and Environmental • Planning and execution of • Organizing community development schemes
Responsibility program the Social and Environmental through the BNI Berbagi, Kampoeng BNI and
Responsibility program BNI GoGreen programs
• Opportunity to collaborate in • Organizing internship or contract programs for
the Social and Environmental fresh graduates through the BNI BINA Program
Responsibility programs • Provision of job opportunities as needed
• Information on company activities
• Understanding of Sustainable
Finance
Media: Social relations, social license
Engagement Method Significant Topics/Issues and Needs BNI’s Response
Press releases when needed and • Financial and non-financial • Updating information related to banking
media gatherings every three months performance solutions or company performance
• Environmental impacts and submitted on the website www.bni.co.id
performance • Development of communication
• Implemented and planned CSR facilities such as press conferences
programs • Provide press release material on the
• Opportunity to collaborate on website at www.bni.co.id
the Social and Environmental
Responsibility programs
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108 PT Bank Negara Indonesia (Persero) Tbk
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ĂŶĚ^ K:<EŽ͘ϭϲͬ^ K:<͘ϬϰͬϮϬϮϭ
ĞĂƌƐƚĂŬĞŚŽůĚĞƌƐ͕
WdĂŶŬEĞŐĂƌĂ/ŶĚŽŶĞƐŝĂ;WĞƌƐĞƌŽͿdďŬ(“ƚŚĞĂŶŬ”) ŚĂƐĚĞǀĞůŽƉĞĚĂŶĚŝƐƐƵĞĚĂ^ƵƐƚĂŝŶĂďŝůŝƚLJZĞƉŽƌƚ
(“the Report”) for the reporting period of :ĂŶƵĂƌLJϭƐƚƚŽĞĐĞŵďĞƌϯϭƐƚ͕ϮϬϮϯ͘dŚĞĂŶŬŝƐĂůŽĐĂů
ŐŽǀĞƌŶŵĞŶƚͲŽǁŶĞĚĐŽŵŵĞƌĐŝĂůďĂŶŬŝŶ/ŶĚŽŶĞƐŝĂůŽĐĂƚĞĚŝŶ:ĂŬĂƌƚĂ͘ƐĂƉƵďůŝĐůLJůŝƐƚĞĚĐŽŵƉĂŶLJŝŶ
ƚŚĞ/ŶĚŽŶĞƐŝĂ^ƚŽĐŬ džĐŚĂŶŐĞ;/yͿĂŶĚŝŶůŝŶĞǁŝƚŚŝƚƐĐŽŵŵŝƚŵĞŶƚƚŽƐƵƐƚĂŝŶĂďŝůŝƚLJ͕ƚŚĞĂŶŬǁŽƵůĚ
ůŝŬĞ ƚŽ ŚĂǀĞ ƚŚĞ ZĞƉŽƌƚ ĂĚŚĞƌĞ ƚŽ ƚŚĞ ƌĞƉŽƌƚŝŶŐ ƌĞŐƵůĂƚŝŽŶ͕ ĂƐ ǁĞůů ĂƐ ĨŽůůŽǁƐ ƚŚĞ ŐůŽďĂů ƌĞƉŽƌƚŝŶŐ
ƐƚĂŶĚĂƌĚƐĂŶĚďĞƐƚƉƌĂĐƚŝĐĞƐ͘&ŽƌƚŚĂƚƌĞĂƐŽŶ͕ƚŚĞĂŶŬĞŶŐĂŐĞĚǁŝƚŚSocial Responsibility Asia (“SR
Asia”) as an AA1000 licensed assurance provider to assess the Report content and come up with this
Independent Assurance Statement (“the Statement”)͘
/ŶƚĞŶĚĞĚhƐĞƌĂŶĚWƵƌƉŽƐĞ
/Ŷ ƚŚŝƐ ^ƚĂƚĞŵĞŶƚ͕ ǁĞ ĚŝƐĐůŽƐĞ ŽƵƌ ŽƉŝŶŝŽŶƐ ĂŐĂŝŶƐƚ ƚŚĞ ϭϬϬϬ ƐƚĂŶĚĂƌĚ͕ ĨŝŶĚŝŶŐƐ͕ ĂŶĚ
recommendations to the stakeholders regarding the Report content, especially the Bank’s
ƐƵƐƚĂŝŶĂďŝůŝƚLJĐŽŵŵŝƚŵĞŶƚƐ͕ŐŽǀĞƌŶĂŶĐĞ͕ƐƚƌĂƚĞŐŝĞƐ͕ĂŶĚĂĐŚŝĞǀĞŵĞŶƚƐĚƵƌŝŶŐƚŚĞƌĞƉŽƌƚŝŶŐƉĞƌŝŽĚ͘^Z
ƐŝĂĐĂƌƌŝĞĚŽƵƚƚŚĞĂƐƐƵƌĂŶĐĞǁŽƌŬĨŽůůŽǁŝŶŐƉĂƌƚŝĐƵůĂƌƐĐŽƉĞ͕ŵĞĐŚĂŶŝƐŵ͕ĂŶĚƉƌŽĐĞĚƵƌĞƐĂƐĂŐƌĞĞĚ
ďLJƚŚĞDĂŶĂŐĞŵĞŶƚ͘ƵĞƚŽƐŽŵĞůŝŵŝƚĂƚŝŽŶƐ͕ĞdžĐĞƉƚĨŽƌƚŚĞĂƌĞĂƐĐŽǀĞƌĞĚŝŶƚŚĞƐĐŽƉĞŽĨĂƐƐƵƌĂŶĐĞ
ǁŽƌŬ͕ƚŚŝƐ^ƚĂƚĞŵĞŶƚŽƌƚŚĞZĞƉŽƌƚŝƐŶŽƚŝŶƚĞŶĚĞĚƚŽďĞƵƐĞĚĞdžĐůƵƐŝǀĞůLJĂƐĂďĂƐŝƐĨŽƌŝŶƚĞƌƉƌĞƚŝŶŐƚŚĞ
ƐƵƐƚĂŝŶĂďŝůŝƚLJŽƌƚŚĞǁŚŽůĞƉĞƌĨŽƌŵĂŶĐĞŽĨƚŚĞĂŶŬ͘
ZĞƐƉŽŶƐŝďŝůŝƚŝĞƐ
KƵƌƌĞƐƉŽŶƐŝďŝůŝƚŝĞƐƚŽƚŚĞDĂŶĂŐĞŵĞŶƚĂƌĞƚŽĞǀĂůƵĂƚĞƚŚĞZĞƉŽƌƚĐŽŶƚĞŶƚ͕ĐŽŵĞƵƉǁŝƚŚĨŝŶĚŝŶŐƐĂŶĚ
ƌĞĐŽŵŵĞŶĚĂƚŝŽŶƐ͕ĂŶĚŝƐƐƵĞƚŚĞ^ƚĂƚĞŵĞŶƚ͘^ZƐŝĂŽŶůLJĞǀĂůƵĂƚĞĚĨŽƌƚŚĞůĂƚĞƐƚƌĞĐĞŝǀĞĚĞĚŝƚŽƌŝĂů
ĂŶĚĚĂƚĂŽŶƚŚĞĨŝŶĂůĚƌĂĨƚĂƐŽĨ:ĂŶƵĂƌLJϮϳƚŚ͕ϮϬϮϰ͘tĞĂƌĞŽŶůLJƌĞƐƉŽŶƐŝďůĞƚŽĚĞůŝǀĞƌĂƐƐƵƌĂŶĐĞǁŽƌŬ͕
EKdĂŶĂƵĚŝƚ͕ďLJĨŽůůŽǁŝŶŐƚŚĞ EŽŶͲŝƐĐůŽƐƵƌĞ ŐƌĞĞŵĞŶƚ͕ ƚŚĞ ƐƐƵƌĂŶĐĞ ŶŐĂŐĞŵĞŶƚ ŐƌĞĞŵĞŶƚ͕
ZĞƉƌĞƐĞŶƚĂƚŝŽŶ>ĞƚƚĞƌ͕ĂŶĚ^ƵďƐĞƋƵĞŶƚ ǀĞŶƚdĞƐƚŝŶŐ͘ džĐĞƉƚĨŽƌƚŚĞDĂŶĂŐĞŵĞŶƚ͕ǁĞĂƐƐƵŵĞŚĂǀŝŶŐ
EK ƌĞƐƉŽŶƐŝďŝůŝƚŝĞƐ Žƌ ĂĐĐŽƵŶƚĂďŝůŝƚŝĞƐ ĨŽƌ ĂŶLJ ĐůĂŝŵƐƚŽ ĂŶLJ ŽƚŚĞƌ ŝŶĚŝǀŝĚƵĂůƐŽƌ ŽƌŐĂŶŝnjĂƚŝŽŶƐ͘dŚĞ
DĂŶĂŐĞŵĞŶƚ ŝƐ ƐŽůĞůLJ ƌĞƐƉŽŶƐŝďůĞ ĨŽƌ ƉƌĞƐĞŶƚŝŶŐ ĚĂƚĂ͕ ŝŶĨŽƌŵĂƚŝŽŶ͕ ĂŶĚ ĚŝƐĐůŽƐƵƌĞƐ ŝŶ ƚŚĞ ZĞƉŽƌƚ
ĐŽŶƚĞŶƚ͘dŚĞƌĞĨŽƌĞ͕ĂŶLJƉĂƌƚŝĞƐǁŚŽĚĞƉĞŶĚŽŶƚŚĞZĞƉŽƌƚĂŶĚƚŚŝƐ^ƚĂƚĞŵĞŶƚƐŚĂůůďĞĂƌĂŶĚŵĂŶĂŐĞ
ƚŚĞŝƌƌŝƐŬƐ͘
/ŶĚĞƉĞŶĚĞŶĐĞ͕/ŵƉĂƌƚŝĂůŝƚLJ͕ĂŶĚŽŵƉĞƚĞŶĐLJ
^ZƐŝĂĂƉƉůŝĞƐĂƐƐƵƌĂŶĐĞŵĞĐŚĂŶŝƐŵƐĂŶĚƉƌŽĐĞĚƵƌĞƐďĂƐĞĚŽŶĂƉƌŽĨĞƐƐŝŽŶĂůĐŽĚĞŽĨĐŽŶĚƵĐƚƚŚĂƚ
ŵĂŶĚĂƚĞƐĂůůǁŽƌŬƐĂƌĞƉĞƌĨŽƌŵĞĚŝŶĂŶŽďũĞĐƚŝǀĞĂŶĚƚƌƵƚŚĨƵůŵĂŶŶĞƌ͘dŚĞƌĞĂƌĞŶŽŵĞŵďĞƌƐŽĨƚŚĞ
^ZƐŝĂ/ŶĚĞƉĞŶĚĞŶƚƐƐƵƌĂŶĐĞ^ƚĂƚĞŵĞŶƚ͕ǀĞƌƐŝŽŶϮϬϮϯ͕ƉĂŐĞϭŽĨϰ
Page 111
Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
109
ĂƐƐƵƌĂŶĐĞƚĞĂŵƚŚĂƚŚĂƐƌĞůĂƚŝŽŶƐŚŝƉƐǁŝƚŚƚŚĞĂŶŬƚŚĂƚĐĂŶƉƌĞǀĞŶƚƚŚĞŵƚŽƉƌŽǀŝĚĞĂŶŝŶĚĞƉĞŶĚĞŶƚ
ĂŶĚ ŝŵƉĂƌƚŝĂů ƐƚĂƚĞŵĞŶƚ͘ ^Z ƐŝĂ ĂůƐŽ ĐŽŶĨŝƌŵƐ ƚŚĂƚ ƚŚĞ ĂƉƉŽŝŶƚĞĚ ĂƐƐƵƌĂŶĐĞ ƚĞĂŵ ŵĞŵďĞƌƐ ŚĂǀĞ
ĂĚĞƋƵĂƚĞƐŬŝůůƐĂŶĚĞdžƉĞƌƚŝƐĞŝŶƌĞǀŝĞǁŝŶŐƐƵƐƚĂŝŶĂďŝůŝƚLJƌĞƉŽƌƚƐŽĨŽƌŐĂŶŝnjĂƚŝŽŶƐŝŶǀĂƌŝŽƵƐŝŶĚƵƐƚƌŝĂů
ƐĞĐƚŽƌƐ ĂƐǁĞůů ĂƐŬŶŽǁůĞĚŐĞ ŽĨ /^K ϮϲϬϬϬ͕ ƚŚĞ ƉƌŝŶĐŝƉůĞƐ ĂŶĚ ƐƚĂŶĚĂƌĚƐ ŽĨ ϭϬϬϬ ĐĐŽƵŶƚďŝůŝƚLJ
ƐƚĂŶĚĂƌĚƐĂŶĚƉƌŝŶĐŝƉůĞƐ͕ǀĂƌŝŽƵƐƌĞƉŽƌƚŝŶŐƌĞŐƵůĂƚŝŽŶƐ͕ƐƚĂŶĚĂƌĚƐ͕ĂŶĚƉƌŝŶĐŝƉůĞƐ͘
dLJƉĞĂŶĚ>ĞǀĞůŽĨƐƐƵƌĂŶĐĞ^ĞƌǀŝĐĞ
ϭ͘ dLJƉĞϭĂƐƐƵƌĂŶĐĞŽŶƚŚĞZĞƉŽƌƚĐŽŶƚĞŶƚ͘
Ϯ͘ dLJƉĞϮĂƐƐƵƌĂŶĐĞŽŶ ĐŽŶŽŵŝĐWĞƌĨŽƌŵĂŶĐĞ ĐŽŶŽŵŝĐWĞƌĨŽƌŵĂŶĐĞĂŶĚ'ƌĞĞŶWŽƌƚĨŽůŝŽ
DĂŶĂŐĞŵĞŶƚ͕ĂƚĂ^ĞĐƵƌŝƚLJĂŶĚLJďĞƌ^ĞĐƵƌŝƚLJ
ϯ͘ ŵŽĚĞƌĂƚĞůĞǀĞůŽĨĂƐƐƵƌĂŶĐĞƚŽƚŚĞƉƌŽĐĞĚƵƌĞŽŶƚŚĞZĞƉŽƌƚĐŽŶƚĞŶƚĂŶĚĞǀŝĚĞŶĐĞ͕ǁŚĞƌĞƚŚĞ
ƌŝƐŬƐŽĨŝŶĨŽƌŵĂƚŝŽŶĂŶĚĐŽŶĐůƵƐŝŽŶƐŽĨƚŚĞZĞƉŽƌƚďĞŝŶŐĞƌƌŽƌŝƐƌĞĚƵĐĞĚ͕ŶŽƚƚŽǀĞƌLJůŽǁ͕ďƵƚŶŽƚ
njĞƌŽ͘
^ĐŽƉĞĂŶĚ>ŝŵŝƚĂƚŝŽŶŽĨƐƐƵƌĂŶĐĞ^ĞƌǀŝĐĞ
ϭ͘ ĂƚĂĂŶĚŝŶĨŽƌŵĂƚŝŽŶŝŶƚŚĞZĞƉŽƌƚĨŽƌƚŚĞƉĞƌŝŽĚŽĨ:ĂŶƵĂƌLJϭƚŽĞĐĞŵďĞƌϯϭ͕ϮϬϮϯ͘
Ϯ͘ ǀĂůƵĂƚŝŽŶ ŽĨ ƉƵďůŝĐůLJ ĚŝƐĐůŽƐĞĚ ŝŶĨŽƌŵĂƚŝŽŶ͕ ƐLJƐƚĞŵ͕ ĂŶĚ ƉƌŽĐĞƐƐ ŽĨ ƚŚĞ ŽŵƉĂŶLJ ƚŽ ĞŶƐƵƌĞ
ĂĚŚĞƌĞŶĐĞŽĨƚŚĞZĞƉŽƌƚĐŽŶƚĞŶƚƚŽƚŚĞZĞƉŽƌƚŝŶŐƉƌŝŶĐŝƉůĞƐ͘
ϯ͘ ^Z ƐŝĂ ĚŽĞƐ EKd ŝŶĐůƵĚĞ ĨŝŶĂŶĐŝĂů ĚĂƚĂ͕ ŝŶĨŽƌŵĂƚŝŽŶ͕ ĂŶĚ ĨŝŐƵƌĞƐ ŝŶ ƚŚĞ ZĞƉŽƌƚ ĐŽŶƚĞŶƚ͘ tĞ
ĂƐƐƵŵĞĚƚŚĂƚƚŚĞŽŵƉĂŶLJ͕ŝŶĚĞƉĞŶĚĞŶƚƉĂƌƚŝĞƐ͕ŽƌŽƚŚĞƌƉĂƌƚŝĞƐĂƐƐŽĐŝĂƚĞĚǁŝƚŚƚŚĞŽŵƉĂŶLJ
ŚĂǀĞǀĞƌŝĨŝĞĚĂŶĚͬŽƌĂƵĚŝƚĞĚĨŝŶĂŶĐŝĂůƐƚĂƚĞŵĞŶƚƐ͕ĚĂƚĂ͕ĂŶĚŝŶĨŽƌŵĂƚŝŽŶ͘
ϰ͘ ĚŚĞƌĞŶĐĞƚŽƚŚĞĨŽůůŽǁŝŶŐƌĞƉŽƌƚŝŶŐƉƌŝŶĐŝƉůĞƐ͕ƐƚĂŶĚĂƌĚƐ͕ĂŶĚƌĞŐƵůĂƚŝŽŶƐ͗
ĂͿ ZĞŐƵůĂƚŝŽŶ ŽĨ /ŶĚŽŶĞƐŝĂ &ŝŶĂŶĐŝĂů ^ĞƌǀŝĐĞ ƵƚŚŽƌŝƚLJ EŽ͘ϱϭͬWK:<͘ϬϯͬϮϬϭϳ ĂŶĚ ^ K:< EŽ͘
ϭϲͬ^ K:<͘ϬϰͬϮϬϮϭ
ďͿ ŽŶƐŽůŝĚĂƚĞĚƐĞƚŽĨ'Z/^ƵƐƚĂŝŶĂďŝůŝƚLJZĞƉŽƌƚŝŶŐ^ƚĂŶĚĂƌĚƐϮϬϮϭ;'Z/hŶŝǀĞƌƐĂů^ƚĂŶĚĂƌĚͿĂŶĚ
'Z/'ϰ&ŝŶĂŶĐŝĂů^ĞƌǀŝĐĞƐ^ĞĐƚŽƌŝƐĐůŽƐƵƌĞ;'Z/Ͳ'ϰ&^ͿŝƐƐƵĞĚďLJƚŚĞ'ůŽďĂůZĞƉŽƌƚŝŶŐ/ŶŝƚŝĂƚŝǀĞ
ĐͿ ^ƵƐƚĂŝŶĂďŝůŝƚLJĐĐŽƵŶƚŝŶŐ^ƚĂŶĚĂƌĚŽĂƌĚ&ŝŶĂŶĐŝĂů^ĞĐƚŽƌ–ŽŵŵĞƌĐŝĂůĂŶŬƐ
ĚͿ ^ƵƐƚĂŝŶĂďůĞĂŶŬŝŶŐƐƐĞƐƐŵĞŶƚ;^h^ͿtŽƌůĚtŝĚĞ&ƵŶĚĨŽƌEĂƚƵƌĞ;tt&Ϳ
džĐůƵƐŝŽŶ
ϭ͘ dŚĞ ĞdžƉƌĞƐƐŝŽŶŽĨŽƉŝŶŝŽŶ͕ďĞůŝĞĨ͕ĞdžƉĞĐƚĂƚŝŽŶ͕ĂĚǀĞƌƚŝƐĞŵĞŶƚ͕ ĂŶĚ ĨŽƌǁĂƌĚͲůŽŽŬŝŶŐƐƚĂƚĞŵĞŶƚƐ͕
ŝŶĐůƵĚŝŶŐĨƵƚƵƌĞƉůĂŶŶŝŶŐŽĨƚŚĞŽŵƉĂŶLJĂƐƐƉĞĐŝĨŝĞĚŝŶƚŚĞZĞƉŽƌƚĐŽŶƚĞŶƚ͘
Ϯ͘ ŶĂůLJƐŝƐŽƌĂƐƐĞƐƐŵĞŶƚĂŐĂŝŶƐƚƌĞŐƵůĂƚŝŽŶƐ͕ƉƌŝŶĐŝƉůĞƐ͕ƐƚĂŶĚĂƌĚƐ͕ŐƵŝĚĞůŝŶĞƐ͕ĂŶĚŝŶĚŝĐĂƚŽƌƐŽƚŚĞƌ
ƚŚĂŶƚŚŽƐĞŝŶĚŝĐĂƚĞĚŝŶƚŚĞ^ƚĂƚĞŵĞŶƚ͘
ϯ͘ dŽƉŝĐƐ͕ĚĂƚĂ͕ĂŶĚŝŶĨŽƌŵĂƚŝŽŶŽƵƚƐŝĚĞƚŚĞƌĞƉŽƌƚŝŶŐƉĞƌŝŽĚ͕ŽƌŝŶƚŚĞƉƵďůŝĐĚŽŵĂŝŶŶŽƚĐŽǀĞƌĞĚŝŶ
ƚŚĞƌĞƉŽƌƚŝŶŐƉĞƌŝŽĚ͘
ϰ͘ Financial performance data and information as presented in the Company’s financial statements
ĂŶĚĚŽĐƵŵĞŶƚƐ͕ŝŶĐůƵĚŝŶŐŵĞŶƚŝŽŶĞĚŝŶƚŚŝƐZĞƉŽƌƚ͘
DĞƚŚŽĚŽůŽŐLJĂŶĚ^ŽƵƌĐĞŝƐĐůŽƐƵƌĞ
ϭ͘ &ŽƌŵĂŶĂƐƐƵƌŽƌƚĞĂŵǁŚŽƐĞŵĞŵďĞƌƐĂƌĞĐĂƉĂďůĞŝŶƐƵƐƚĂŝŶĂďŝůŝƚLJ͕ĂŶĚƐƵƐƚĂŝŶĂďŝůŝƚLJƌĞƉŽƌƚŝŶŐ
ĚĞǀĞůŽƉŵĞŶƚĂŶĚĂƐƐƵƌĂŶĐĞ͘
Ϯ͘ WĞƌĨŽƌŵƚŚĞƉƌĞͲĞŶŐĂŐĞŵĞŶƚƉŚĂƐĞƚŽĞŶƐƵƌĞƚŚĞŝŶĚĞƉĞŶĚĞŶĐĞĂŶĚŝŵƉĂƌƚŝĂůŝƚLJŽĨƚŚĞĂƐƐƵƌŽƌ
ƚĞĂŵ͘
ϯ͘ ,ŽůĚĂŬŝĐŬͲŽĨĨŵĞĞƚŝŶŐĂŶĚŝŶŝƚŝĂůĂŶĂůLJƐŝƐŽĨƚŚĞZĞƉŽƌƚĚƌĂĨƚďĂƐĞĚŽŶƚŚĞ^ZƐŝĂWƌŽƚŽĐŽůŽŶ
ƐƐƵƌĂŶĐĞŶĂůLJƐŝƐƌĞĨĞƌƐƚŽƚŚĞƐƚĂŶĚĂƌĚƐ͕ƉƌŝŶĐŝƉůĞƐ͕ĂŶĚŝŶĚŝĐĂƚŽƌƐŽĨϭϬϬϬ^ǀϯ͕ϭϬϬϬW^
;ϮϬϭϴͿ͕ĂŶĚƐƚĂŶĚĂƌĚƐͬƌĞŐƵůĂƚŝŽŶƐƵƐĞĚŝŶƚŚĞZĞƉŽƌƚ͘
^ZƐŝĂ/ŶĚĞƉĞŶĚĞŶƚƐƐƵƌĂŶĐĞ^ƚĂƚĞŵĞŶƚ͕ǀĞƌƐŝŽŶϮϬϮϯ͕ƉĂŐĞϮŽĨϰ
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ϰ͘ ŝƐĐƵƐƐŽŶůŝŶĞƚŚĞƌĞƐƵůƚƐŽĨƚŚĞĂŶĂůLJƐŝƐǁŝƚŚƚŚĞDĂŶĂŐĞŵĞŶƚĂŶĚĚĂƚĂĐŽŶƚƌŝďƵƚŽƌƐ͘
ϱ͘ sĞƌŝĨLJĞǀŝĚĞŶĐĞĂŶĚƚƌĂĐĞĚĂƚĂĂŶĚŝŶĨŽƌŵĂƚŝŽŶĂƐĐŽǀĞƌĞĚŝŶƚŚĞZĞƉŽƌƚ͘
ϲ͘ dŚĞŽŵƉĂŶLJŝŶĐŽƌƉŽƌĂƚĞĚŽƵƌƌĞĐŽŵŵĞŶĚĂƚŝŽŶƐŝŶƚŚĞĚƌĂĨƚZĞƉŽƌƚĂŶĚƌĞůĞĂƐĞƚŚĞĨŝŶĂůZĞƉŽƌƚ
ĐŽŶƚĞŶƚ͘
ϳ͘ WƌĞƉĂƌĞƚŚĞ ^ƚĂƚĞŵĞŶƚ ĂŶĚƐĞŶĚŝƚƚŽ^ZƐŝĂ/ŶƚĞƌŶĂƚŝŽŶĂůŝƌĞĐƚŽƌĨŽƌƌĞǀŝĞǁƚŽŐĞƚĂƉƉƌŽǀĂů
ďĞĨŽƌĞƐƵďŵŝƚƚŝŶŐŝƚƚŽƚŚĞŽŵƉĂŶLJ͘
ϴ͘ WƌĞƉĂƌĞ Ă DĂŶĂŐĞŵĞŶƚ >ĞƚƚĞƌ ĚĞƚĂŝůŝŶŐ Ăůů ĂƐƉĞĐƚƐ ƐĞĞŶ͕ ƌĞĐŽƌĚĞĚ͕ ĂŶĚ ŽďƐĞƌǀĞĚ ĚƵƌŝŶŐ ƚŚĞ
ĂƐƐƵƌĂŶĐĞ ǁŽƌŬ ƚŽ ƚŚĞ DĂŶĂŐĞŵĞŶƚŽĨƚŚĞ ŽŵƉĂŶLJ ĨŽƌ ĨƵƌƚŚĞƌ ŝŵƉƌŽǀĞŵĞŶƚ ŽĨ ƐƵƐƚĂŝŶĂďŝůŝƚLJ
ƉƌŽĐĞƐƐĞƐ͘
ĚŚĞƌĞŶĐĞƚŽϭϬϬϬW;ϮϬϭϴͿĂŶĚ'Z/hŶŝǀĞƌƐĂů^ƚĂŶĚĂƌĚƐ
/ŶĐůƵƐŝǀŝƚLJ–dŚĞZĞƉŽƌƚƐŚŽǁƐƚŚĂƚƚŚĞĂŶŬŚĂƐŝĚĞŶƚŝĨŝĞĚĂŶĚƵŶĚĞƌƐƚĂŶĚƚŚĞŝƌƐƚĂŬĞŚŽůĚĞƌƐŝŶĂŶ
ŝŶĐůƵƐŝǀĞŵĂŶŶĞƌ͘tĞĂůƐŽĂƉƉƌĞĐŝĂƚĞƚŚĞĂŶŬΖƐĚĞĚŝĐĂƚŝŽŶƚŽĚĞǀĞůŽƉĨŽƌŵĂůƐƚƌĂƚĞŐŝĞƐŝŶŵĂŝŶƚĂŝŶŝŶŐ
ƉƌŽƉĞƌ ĐŽŵŵƵŶŝĐĂƚŝŽŶ ǁŝƚŚ ƐƚĂŬĞŚŽůĚĞƌƐ͘ /Ŷ ŐĞŶĞƌĂů͕ ƚŚĞ ĂŶŬ ŚĂƐ ƚĂŬĞŶ ŝŶƚŽ ĂĐĐŽƵŶƚ ĂŶĚ
ŝŵƉůĞŵĞŶƚĞĚ ƚŚĞ ŽƉŝŶŝŽŶƐ ĂŶĚ ĞdžƉĞĐƚĂƚŝŽŶƐ ĨƌŽŵ ƐƚĂŬĞŚŽůĚĞƌƐ ƚŚƌŽƵŐŚ ƌĞŐƵůĂƌ ŵĞĞƚŝŶŐƐ ĂŶĚ
ƉƌŽŐƌĂŵƐ͘
DĂƚĞƌŝĂůŝƚLJ – Based on the Report, we recognize and appreciate the Bank’s effort to determine
ŵĂƚĞƌŝĂůƚŽƉŝĐƐďLJĐŽŶĚƵĐƚŝŶŐĂĚŝƐĐƵƐƐŝŽŶǁŝƚŚŝŶŵĂŶĂŐĞŵĞŶƚĂŶĚĞdžƚĞƌŶĂůƉĂƌƚŝĞƐ;ĐŽŶƐƵůƚĂŶƚƐĂŶĚ
ŝŶĚĞƉĞŶĚĞŶƚŽďƐĞƌǀĞƌͿ͘ĞƐƉŝƚĞƚŚĞŵĂƚĞƌŝĂůƚŽƉŝĐƐŽĨƚŚĞĂŶŬŚĂƐĐŽǀĞƌĞĚďŽƚŚŝŶƚĞƌŶĂůĂŶĚĞdžƚĞƌŶĂů
ŝƐƐƵĞƐ͕ ǁĞ ĞŶĐŽƵƌĂŐĞ ƚŚĞ ĂŶŬ ƚŽ ŝŶǀŽůǀĞ ŵŽƌĞ ŽĨ ƚŚĞŝƌ ĞdžƚĞƌŶĂů ƐƚĂŬĞŚŽůĚĞƌƐ ĚŝƌĞĐƚůLJ ĚƵƌŝŶŐ ƚŚĞ
ƉƌŽĐĞƐƐŽĨĚĞƚĞƌŵŝŶŝŶŐŵĂƚĞƌŝĂůƚŽƉŝĐƐ͘
ZĞƐƉŽŶƐŝǀĞŶĞƐƐ–dŚĞĂŶŬĂĐĐŽŵŵŽĚĂƚĞƐĂůůŝŶƉƵƚƐĨƌŽŵďŽƚŚŝŶƚĞƌŶĂůĂŶĚĞdžƚĞƌŶĂůƉĂƌƚŝĞƐŝŶƉƌŽƉĞƌ
ŵĞĐŚĂŶŝƐŵƐ͘ dŚĞ ĂŶŬ ŚĂƐ Ă tŚŝƐƚůĞďůŽǁŝŶŐ ^LJƐƚĞŵ ǁŚŝĐŚ ŝƐ ĐĂƌƌŝĞĚ ŽƵƚ ŝŶ ĐŽůůĂďŽƌĂƚŝŽŶ ǁŝƚŚ ĂŶ
ĞdžƚĞƌŶĂůƉĂƌƚLJƚŽƉƌŽƚĞĐƚƚŚĞŝƌǁŚŝƐƚůĞďůŽǁĞƌƐ͕ĂŶĚĨŽƌĞdžƚĞƌŶĂůƉĂƌƚŝĞƐƐƵĐŚĂƐĐƵƐƚŽŵĞƌƐ͕ƚŚĞĂŶŬ
ĂůƐŽĞŶƐƵƌĞƐƚŚĞŝƌĐƵƐƚŽŵĞƌĐŽŵƉůĂŝŶƚƐĂƌĞĐŽŶĚƵĐƚĞĚŝŶĂĐĐŽƌĚĂŶĐĞǁŝƚŚƚŚĞƐĞƌǀŝĐĞůĞǀĞůĂŐƌĞĞŵĞŶƚ
;^>Ϳ͘tĞĂƉƉƌĞĐŝĂƚĞƚŚĂƚŝŶϮϬϮϯ͕ƚŚĞĂŶŬŚĂƐƌĞƐŽůǀĞĚϵϵ͘ϵйŽĨƚŚĞŝƌŝŶĐŽŵŝŶŐĐŽŵƉůĂŝŶƚƐ͕ǁŝƚŚ
ĐůĞĂƌĚŽĐƵŵĞŶƚĂƚŝŽŶƐŽĨŝŶĐŽŵŝŶŐƐƌĞĐĞŝǀĞĚĨƌŽŵƚŚĞŝƌĐƵƐƚŽŵĞƌƐ͕ƐƵĐŚĂƐƉƌŽĚƵĐƚŝŶĨŽƌŵĂƚŝŽŶ͕ĚĂƚĂ
ĐŚĂŶŐĞƌĞƋƵĞƐƚƐ͕ĂŶĚƚƌĂŶƐĂĐƚŝŽŶƉƌŽďůĞŵƐ͘
/ŵƉĂĐƚ–dŚĞĂŶŬŚĂƐĐŽŵŵŝƚƚĞĚƚŽĂĚĚƌĞƐƐŝŶĞƋƵĂůŝƚLJ͕ŝŵƉƌŽǀŝŶŐƚŚĞǁĞůĨĂƌĞŽĨǁĞĂŬĞƌƐŽĐŝĞƚLJ͕ĂŶĚ
ĂůůĞǀŝĂƚĞƉŽǀĞƌƚLJďLJĞŶŚĂŶĐŝŶŐĨŝŶĂŶĐŝĂůŝŶĐůƵƐŝŽŶĂŶĚĨŝŶĂŶĐŝĂůůŝƚĞƌĂĐLJ͕ǁŚŝĐŚǁĂƐƐƵƉƉŽƌƚĞĚďLJƚŚĞ
ĂƐƐŝƐƚĂŶĐĞŽĨE/ŐĞŶϰϲ͘/ŶŐŽǀĞƌŶĂŶĐĞĂƐƉĞĐƚ͕ ƚŚĞĂŶŬ ŚĂƐnjĞƌŽĚĂƚĂ ďƌĞĂĐŚ͘dŚĞĂŶŬŚĂƐ ĂůƐŽ
ĞŶŚĂŶĐĞĚ ƚŚĞ ĞĨĨĞĐƚŝǀĞŶĞƐƐ ŽĨ ĂŶƚŝͲĐŽƌƌƵƉƚŝŽŶ ĂŶĚ ĂŶƚŝͲĨƌĂƵĚ ƉŽůŝĐŝĞƐ͕ ƌĞƐƵůƚŝŶŐ ŝŶ Ă ƌĞĚƵĐƚŝŽŶ ŽĨ
ŶƵŵďĞƌ ŽĨ ĨƌĂƵĚ ĐĂƐĞ ĨŝŶĚŝŶŐƐ ďLJ ϮϬϮϯ ĐŽŵƉĂƌĞĚ ƚŽ LJĞĂƌ͘ /Ŷ ĞŶǀŝƌŽŶŵĞŶƚĂů ĂƐƉĞĐƚƐ͕ ƚŚĞ ĂŶŬ ŚĂƐ
ŝŵƉůĞŵĞŶƚĞĚĂŶƵŵďĞƌŽĨŝŶŝƚŝĂƚŝǀĞƐƚŚƌŽƵŐŚŽƵƚϮϬϮϯ͕ŝŶƌĞƐƉŽŶƐĞƚŽƚŚĞƉŚLJƐŝĐĂůĂŶĚƚƌĂŶƐŝƚŝŽŶĂůƌŝƐŬƐ
ŽĨ ĐůŝŵĂƚĞ ĐŚĂŶŐĞ͘ dŚĞ ŝŵƉůĞŵĞŶƚation of the Bank’s ŐƌĞĞŶ ďĂŶŬŝŶŐ ĐŽŵŵŝƚŵĞŶƚ ďLJ ŽĨĨĞƌŝŶŐ
ĞŶǀŝƌŽŶŵĞŶƚĂůůLJĐŽŶƐĐŝŽƵƐĐŽƌƉŽƌĂƚĞďŽŶĚƐ;ŐƌĞĞŶďŽŶĚƐͿŚĂǀĞLJŝĞůĚĞĚƐŽŵĞĨĂǀŽƵƌĂďůĞŽƵƚĐŽŵĞƐ͕
ƐƵĐŚĂƐĐůĞĂŶĞŶĞƌŐLJŐĞŶĞƌĂƚŝŽŶĂŶĚƌĞĚƵĐƚŝŽŶŽĨ','ĞŵŝƐƐŝŽŶ͕ǁŚŝĐŚĂůƐŽƐƵƉƉŽƌƚƐ^'ϭϯ;ůŝŵĂƚĞ
ĐƚŝŽŶƐͿ͘
^ƚĂƚĞŵĞŶƚŽĨhƐĞ͗“/ŶĐĐŽƌĚĂŶĐĞƚŽthe GRI Standards”–tĞĞǀĂůƵĂƚĞĚƚŚĞZĞƉŽƌƚĐŽŶƚĞŶƚĂŐĂŝŶƐƚ
ƚŚĞ 'Z/ hŶŝǀĞƌƐĂů ^ƚĂŶĚĂƌĚƐ ƉƌŝŶĐŝƉůĞƐ͕ ĚŝƐĐůŽƐƵƌĞƐ͕ ĂŶĚ ƌĞƋƵŝƌĞŵĞŶƚƐ ĨŽƌ ƌĞƉŽƌƚŝŶŐ͘ dŚĞ ĂŶŬ ŚĂƐ
ĐŽŵƉůŝĞĚ ǁŝƚŚ ŶŝŶĞ ƌĞƋƵŝƌĞŵĞŶƚƐ͗ ĂƉƉůLJ ƚŚĞ ƌĞƉŽƌƚŝŶŐ ƉƌŝŶĐŝƉůĞƐ͕ ƌĞƉŽƌƚ ƚŚĞ ĚŝƐĐůŽƐƵƌĞƐ ŝŶ 'Z/ Ϯ͗
'ĞŶĞƌĂůŝƐĐůŽƐƵƌĞƐϮϬϮϭ͕ĚĞƚĞƌŵŝŶĞŵĂƚĞƌŝĂůƚŽƉŝĐƐ͕ƌĞƉŽƌƚƚŚĞĚŝƐĐůŽƐƵƌĞƐŝŶ'Z/ϯ͗DĂƚĞƌŝĂůdŽƉŝĐƐ
ϮϬϮϭ͕ ƌĞƉŽƌƚ ĚŝƐĐůŽƐƵƌĞƐ ĨƌŽŵ ƚŚĞ 'Z/dŽƉŝĐ ^ƚĂŶĚĂƌĚƐ ĨŽƌĞĂĐŚŵĂƚĞƌŝĂů ƚŽƉŝĐ͕ ƉƌŽǀŝĚĞ ƌĞĂƐŽŶƐ ĨŽƌ
^ZƐŝĂ/ŶĚĞƉĞŶĚĞŶƚƐƐƵƌĂŶĐĞ^ƚĂƚĞŵĞŶƚ͕ǀĞƌƐŝŽŶϮϬϮϯ͕ƉĂŐĞϯŽĨϰ
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ŽŵŝƐƐŝŽŶĨŽƌĚŝƐĐůŽƐƵƌĞƐĂŶĚƌĞƋƵŝƌĞŵĞŶƚƐƚŚĂƚƚŚĞŽƌŐĂŶŝnjĂƚŝŽŶĐĂŶŶŽƚĐŽŵƉůLJǁŝƚŚ͕ƉƵďůŝƐŚĂ'Z/
ĐŽŶƚĞŶƚŝŶĚĞdž͕ƉƌŽǀŝĚĞĂƐƚĂƚĞŵĞŶƚŽĨƵƐĞ͕ĂŶĚŶŽƚŝĨLJ'Z/͘
'Z/ ^ƚĂŶĚĂƌĚƐ WƌŝŶĐŝƉůĞƐ – Ɛ ƚŚĞ ĂƐƐƵƌĂŶĐĞ ǁŽƌŬ ǁĂƐ ƚĂŬĞŶ͕ ƚŚĞ ZĞƉŽƌƚ ĐŽŶƚĞŶƚ ŝŶĚŝĐĂƚĞƐ ŝƚƐ
ĂĚŚĞƌĞŶĐĞ ƚŽ ƚŚĞ ZĞƉŽƌƚŝŶŐ ƉƌŝŶĐŝƉůĞƐ ;ĂĐĐƵƌĂĐLJ͕ ďĂůĂŶĐĞ͕ ĐůĂƌŝƚLJ͕ ĐŽŵƉĂƌĂďŝůŝƚLJ͕ ĐŽŵƉůĞƚĞŶĞƐƐ͕
ƐƵƐƚĂŝŶĂďŝůŝƚLJ ĐŽŶƚĞdžƚ͕ ƚŝŵĞůŝŶĞƐƐ͕ ĂŶĚ ǀĞƌŝĨŝĂďŝůŝƚLJͿ͘ dŚĞ DĂŶĂŐĞŵĞŶƚ ƉƌŽǀŝĚĞĚ ĂĚĞƋƵĂƚĞ ƐƵƉƉŽƌƚ
ĚƵƌŝŶŐƚŚĞĂƐƐƵƌĂŶĐĞǁŽƌŬďLJƐƵďŵŝƚƚŝŶŐĞǀŝĚĞŶĐĞͬĚŽĐƵŵĞŶƚƐĂƐƌĞƋƵĞƐƚĞĚ͘
dLJƉĞϮƐƐƵƌĂŶĐĞ–dŚĞĂŶŬŚĂƐƐŚŽǁŶŝƚƐĐŽŵŵŝƚŵĞŶƚƚŽǁĂƌĚƐƐƵƐƚĂŝŶĂďůĞďƵƐŝŶĞƐƐĂĐƚŝǀŝƚŝĞƐŝŶ
/ŶĚŽŶĞƐŝĂĂŶĚƐƵƉƉŽƌƚŝŶŐƐƵƐƚĂŝŶĂďůĞĨŝŶĂŶĐĞĂůŽŶŐƚŚĞŝƌŝŶĐƌĞĂƐŝŶŐƚƌĞŶĚŽĨƐƵƐƚĂŝŶĂďůĞďƵƐŝŶĞƐƐ
ŝŶǀĞƐƚŵĞŶƚ͘ dŚĞ ĂŶŬ’s green portfolio management ŚĂƐ ĂůƐŽ ďĞĞŶ ŝŵƉůĞŵĞŶƚĞĚ ŝŶ ƉƌŽƉĞƌ
ƉƌŽĐĞĚƵƌĞƐĐŽŶƐŝƐƚĞŶƚůLJƚŚƌŽƵŐŚŽƵƚĂůůĚĞďƚŽƌƐ͕ĞƐƉĞĐŝĂůůLJƚŚŽƐĞǁŚŽŽƉĞƌĂƚĞƐŝŶƐĞĐƚŽƌƐǁŝƚŚŚŝŐŚ
ĞŶǀŝƌŽŶŵĞŶƚĂů ƌŝƐŬƐ͘ In addressing the concern of customers’ ĚĂƚĂ ƉƌŝǀĂĐLJ ĂŶĚ ƐĞĐƵƌŝƚLJ͕ ƚŚĞ ĂŶŬ
ĐŽŵŵŝƚƚĞĚƚŽŬĞĞƉĚĞǀĞůŽƉŝŶŐĂsafeguard for their customers’ safety through evaluation their IT
ƐĞĐƵƌŝƚLJƐLJƐƚĞŵĐŽŶƚŝŶƵŽƵƐůLJ͘
ZĞĐŽŵŵĞŶĚĂƚŝŽŶ
ϭ͘ dŽƐƚĂƌƚĂŶŝŵƉůĞŵĞŶƚĂƚŝŽŶŽĨƉŽůŝĐLJĐŽŵŵŝƚŵĞŶƚŝŶƌĞƐƉĞĐƚŽĨŚƵŵĂŶƌŝŐŚƚƐĂŶĚƉĞƌĨŽƌŵŝƚƐĚƵĞ
ĚŝůŝŐĞŶĐĞ͘
Ϯ͘ dŽƉƌŽǀŝĚĞƐƉĞĐŝĨŝĐŝŶĨŽƌŵĂƚŝŽŶƌĞŐĂƌĚŝŶŐƚŚĞďĂƐĞLJĞĂƌĂŶĚƚŚĞďĂƐĞůŝŶĞƋƵĂŶƚŝƚLJŝŶƌĞůĂƚŝŽŶƚŽ
ĚŝƐĐůŽƐƵƌĞŽĨĞŶĞƌŐLJĂŶĚĞŵŝƐƐŝŽŶƐ͘
ϯ͘ dŽŝŵƉůĞŵĞŶƚƐĞǀĞƌĂůƐƚƌĂƚĞŐŝĞƐŝŶƌĞĚƵĐŝŶŐƚŚĞŝƌǁĂƚĞƌĐŽŶƐƵŵƉƚŝŽŶƐ͘
ϰ͘ dŽĐĂůĐƵůĂƚĞƚŚĞĞŶĞƌŐLJƉƌŽĚƵĐĞĚĂŶĚƵƚŝůŝnjĞĚĨƌŽŵƚŚĞŝŶƐƚĂůůĂƚŝŽŶŽĨƐŽůĂƌƉĂŶĞůƐ͘
ϱ͘ dŽ ĐŽŶĚƵĐƚ ĂŶ ĂƐƐĞƐƐŵĞŶƚ ǁŚŝĐŚ ŵĂLJ ĞŶƐƵƌĞ ƚŚĂƚ ƚŚĞŝƌ ŽƉĞƌĂƚŝŽŶƐ ĂŶĚ ƐƵƉƉůŝĞƌƐ ĂƌĞ ŶŽƚ Ăƚ
ƐŝŐŶŝĨŝĐĂŶƚƌŝƐŬĨŽƌŝŶĐŝĚĞŶƚƐŽĨĐŚŝůĚůĂďŽƌĂŶĚĨŽƌĐĞĚŽƌĐŽŵƉƵůƐŽƌLJůĂďŽƌ͘
dŚĞĂƐƐƵƌĂŶĐĞƉƌŽǀŝĚĞƌ͕
:ĂŬĂƌƚĂ͕:ĂŶƵĂƌLJϯϭƐƚϮϬϮϰ
ŝƌĞŶĚƌĂZĂƚƵƌŝ >ŝŵ,ĞŶĚƌĂ
/ŶƚĞƌŶĂƚŝŽŶĂůŝƌĞĐƚŽƌ ŽƵŶƚƌLJŝƌĞĐƚŽƌĨŽƌ/ŶĚŽŶĞƐŝĂ
^ŽĐŝĂůZĞƐƉŽŶƐŝďŝůŝƚLJƐŝĂ ^ŽĐŝĂůZĞƐƉŽŶƐŝďŝůŝƚLJƐŝĂ
^ŽĐŝĂůZĞƐƉŽŶƐŝďŝůŝƚLJƐŝĂ;^ZƐŝĂͿ
/ŶƚĞƌŶĂƚŝŽŶĂů
ϰ&Ͳ^ͲϮϱ͕ŶƐĂůWůĂnjĂ͕sĂŝƐŚĂůŝ͕'ŚĂnjŝĂďĂĚ;EZZĞŐŝŽŶĞůŚŝͿ͕hƚƚĂƌWƌĂĚĞƐŚϮϬϭϬϭϬ͕/E/
>ĂŶĚůŝŶĞͬDŽďŝůĞ͗нϵϭͲϭϮϬͲϰϭϬϯϬϮϯ͖нϵϭͲϭϮϬͲϲϰϱϮϬϮϬͬнϵϭͲϵϴϭϬϬϱϵϭϬϵ
ͲŵĂŝů͗ŝŶĨŽΛƐƌͲĂƐŝĂ͘ŽƌŐ͕tĞďƐŝƚĞ͗ǁǁǁ͘ƐƌͲĂƐŝĂ͘ŽƌŐ
/ŶĚŽŶĞƐŝĂ
Wd^ĞũĂŚƚĞƌĂZĂŵďĂŚƐŝĂ͕:ů͘dĞďĞƚĂƌĂƚĂůĂŵs///EŽ͘Ϯϱ͕:ĂŬĂƌƚĂϭϮϴϭϬ͕/EKE ^/
>ĂŶĚůŝŶĞ͗нϲϮͲϮϭͲϱϬϭϬϭϱϬϰ͕ ͲŵĂŝů͗ƐĞƌǀŝĐĞƐΛƐƌĂƐŝĂͲŝŶĚŽ͘ĐŽŵ͕tĞďƐŝƚĞ͗ǁǁǁ͘ƐƌĂƐŝĂͲŝŶĚŽ͘ĐŽŵ
^ZƐŝĂ/ŶĚĞƉĞŶĚĞŶƚƐƐƵƌĂŶĐĞ^ƚĂƚĞŵĞŶƚ͕ǀĞƌƐŝŽŶϮϬϮϯ͕ƉĂŐĞϰŽĨϰ
Page 114
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112 PT Bank Negara Indonesia (Persero) Tbk
Board of Commissioners’ Responsibility Statement
for the 2023 Sustainability Report of
PT Bank Negara Indonesia (Persero) Tbk [2-14]
We the undersigned, Board of Commissioners of PT Bank Negara Indonesia (Persero) Tbk hereby declare that we have
reviewed and approved the 2023 Sustainability Report of PT Bank Negara Indonesia (Persero) Tbk and declare that
all information in the Sustainability Report is presented in its entirety, and that we take full responsibility for the
correctness of the contents of this Sustainability Report.
This statement is hereby made in all truthfulness.
Jakarta, 7 February 2024
Members of the Board of Commissioners
Pradjoto
President Commissioner/Independent Commissioner*
Pahala Nugraha Mansury
Vice President Commissioner*
Sigit Widyawan Asmawi Syam Septian Hario Seto
Independent Commissioner Independent Commissioner Independent Commissioner
Iman Sugema Erwin Rijanto Slamet Askolani
Independent Commissioner Independent Commissioner Commissioner
Susyanto Fadlansyah Lubis Robertus Billitea
Commissioner Commissioner Commissioner
Notes:
*In the process for fit and proper test as a President Commissioner/Independent Commissioner
Page 115
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PT Bank Negara Indonesia (Persero) Tbk
113
Board of Directors’ Responsibility Statement
for the 2023 Sustainability Report of
PT Bank Negara Indonesia (Persero) Tbk [2-14]
We the undersigned, Board of Directors of PT Bank Negara Indonesia (Persero) Tbk hereby declare that we have
reviewed and approved the 2023 Sustainability Report of PT Bank Negara Indonesia (Persero) Tbk and declare that
all information in the Sustainability Report is presented in its entirety, and that we take full responsibility for the
correctness of the contents of this Sustainability Report.
This statement is hereby made in all truthfulness.
Jakarta, 7 February 2024
Members of the Board of Directors
Royke Tumilaar
President Director
Adi Sulistyowati
Vice President Director
Novita Widya Anggraini Corina Leyla Karnalies Sis Apik Wijayanto
Finance Director Digital & Integrated Transaction Enterprise & Commercial Banking
Banking Director Director
David Pirzada Silvano Winston Rumantir Ronny Venir
Risk Management Director Wholesale & International Banking Network & Services Director
Director
Muhammad Iqbal Putrama Wahju Setyawan Mucharom
Institutional Banking Director Retail Banking Director Human Capital & Compliance
Director
Toto Prasetio
Technology & Operations Director
Page 116
Sustainability Report 2023
114 PT Bank Negara Indonesia (Persero) Tbk
POJK and SEOJK References, and Indexes of GRI Standards,
SASB, and SUSBA
POJK No. 51/POJK.03/2017 and SEOJK No. 16/SEOJK.04/2021
No Index Disclosures Page
Sustainability Strategy
A.1 Elaboration on Sustainability Strategy 8-9
Summary of Sustainability Aspect Performance
B.1 Economic Aspects 4
B.2 Environmental Aspects 6
B.3 Social Aspects 5
Company Profile
C.1 Vision, Mission, and Values of Sustainability 14
C.2 Company’s Address 15
C.3 Enterprise Scale 16
C.4 Products, Services, and Business Activities 15
C.5 Membership in Association 18
C.6 Significant Changes in Issuers and Public Companies 15
The Board of Directors’ Explanation
D.1 The Board of Directors’ Explanation 10-13
Sustainability Governance
E.1 Responsible for Implementing Sustainable Finance 94-97
E.2 Competency Development Related to Sustainable Finance 87
E.3 Risk Assessment of the Implementation of Sustainable Finance 97-99
E.4 Relations with Stakeholders 105-107
E.5 Problems with the Implementation of Sustainable Finance 99
Sustainability Performance
F.1 Sustainable Culture Development Activities 93
Economic Performance
F.2 Comparison of targets to performance of production, portfolio, financing targets, or 25
investments, revenue as well as profit and loss
F.3 Comparison of target to performance of portfolio, financing target, or investments in 26-27
financial instruments or projects in line with the implementation of Sustainable Finance
Environmental Performance
General Aspect
F.4 Environmental Costs That Incur 6, 60
Material Aspect
F.5 Use of Environmentally Friendly Materials Not relevant for
banking business.
Energy Aspect
F.6 Amount and Intensity of Energy Used 6, 17, 62
F.7 Efforts and Achievements of Energy Efficiency and Use of Renewable Energy 62
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115
No Index Disclosures Page
Water Aspect
F.8 Water usage 64
Aspects of Biodiversity
F.9 Impacts from Operational Areas that are Near or Located in Conservation Areas or Have 64
Biodiversity
F.10 Biodiversity Conservation Efforts 64-65
Emission Aspect
F.11 Total and Intensity of Emissions Generated by Type 2, 6, 17, 63
F.12 Efforts and Achievements of Emission Reduction Made 23, 30-33, 62-63
Waste and Effluent Aspects
F.13 Amount of Waste and Effluent Generated by Type 63
F.14 Waste and Effluent Management Mechanism 63
F.15 Occurring Spills (if any) Not relevant for
banking business.
Complaint Aspects Related to the Environment
F.16 Number and Material of Environmental Complaints Received and Resolved Not relevant for
banking business.
Social Performance
F.17 Commitment to Provide Services on Equal Products and/or Services to Consumers 54
Employment Aspect
F.18 Equal Employment Opportunity 83-84
F.19 Child Labor and Forced Labor 83
F.20 Regional Minimum Wage 83
F.21 Decent and Safe Work Environment 91
F.22 Employee Capability Training and Development 85-88
Community Aspect
F.23 Impact of Operations on Surrounding Communities 67-76
F.24 Community Complaints 76
F.25 Corporate Social Responsibility (CSR) 64-76
Responsibility for Sustainable Product/Service Development
F.26 Innovation and Development of Sustainable Financial Products/Services 23
F.27 Products/Services That Have Been Evaluated for Safety for Customers 42
F.28 Product/Service Impact 42
F.29 Number of Product Recalls 42
F.30 Customer Satisfaction Survey on Sustainable Financial Products and/or Services 58
Others
G.1 Written Verification from Independent Party (if any) 108-111
G.2 Feedback Sheet 125
G.3 Responses to Feedback on the Previous Year’s Sustainability Report 20
G4 List of Disclosures According to Financial Services Authority Regulation Number 51/ 114-115
POJK.03/2017 concerning the implementation of Sustainable Finance for Financial
Services Institutions, Issuers, and Public Companies
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116 PT Bank Negara Indonesia (Persero) Tbk
GRI Standards
Statement of use PT Bank Negara Indonesia (Persero) Tbk has reported in accordance with the GRI Standards
for the period 1 January – 31 December 2023
GRI 1 used GRI 1: Foundation 2021
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
General Disclosures
GRI 2: General 2-1 Organization details 15-16
Disclosures 2021 2-2 Entities included in the organization’s 19
sustainability reporting
2-3 Reporting period, frequency and 19
contact point
2-4 Restatements of information 19
2-5 External assurance 19, 108-
111
2-6 Activities, value chain and other 15, 76
business relationships
2-7 Employees 78-80
2-8 Wokers who are not employees 78
2-9 Governance structure and 100
composition
2-10 Nomination and selection of the 100
highest governance body
2-11 Chair of the highest governance body 10-13,
100
2-12 Role of the highest governance body 10-13,
in overseeing the management of 100
impacts
2-13 Delegation of responsibility for 95-97
managing impacts
2-14 Role of the highest governance body 10-13, 19,
in sustainability reporting 95, 112-
113
2-15 Conflicts of interest 100
2-16 Communication of critical concerns 95, 97-99,
102
2-17 Collective knowledge of the highest 87, 100
governance body
2-18 Evaluation of the performance of the 100
highest governance body
2-19 Remuneration policy Refer to
Annual
2-20 Process to determine remuneration Report (728-
737).
2-21 Annual total compensation ratio Ratio of annual total Confidentiality The company
compensation for constraints. cannot disclose
the highest paid the data since it
individual highest is confidential.
paid individual in
the organisation
against the median
total compensation
annual total
compensation for all
employees.
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117
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
2-22 Statement on sustainable 8-9
development strategy
2-23 Policy commitments 8-9, 67
2-24 Embedding policy commitments 8-9
2-25 Processes to remediate negative 56-57,
impacts 97-99
2-26 Mechanisms for seeking advice and 97
raising concerns
2-27 Compliance with laws and 43
regulations
2-28 Membership associations 18
2-29 Approach to stakeholder engagement 105-107
2-30 Collective bargaining agreements 85, 105-
107
Material Topic
GRI 3: Material 3-1 Process to determine material topics 20
Topics 3-2 List of material topics 20
3-3 Management of material topics 24, 30,
45, 62
Material Topic: Economic Performance and Green Portfolio Management
GRI 3: Material 3-3 Direct economic value generated and 24
Topics distributed
GRI 201: 201-1 Financial implications and other risks 25
Economic and opportunities due to climate
Performance change
2016 201-2 Defined benefit plan obligations and 31-33
other retirement plans
201-3 Financial assistance received from 89
government
201-4 Bantuan finansial yang diterima dari 25
pemerintah
Material Topic: Climate Resilience
GRI 3: Material 3-3 Management of material topics 30, 62
Topics
GRI 302: Energy 302-1 Energy consumption within the 62
2016 organization
302-2 Energy consumption outside of the 62
organization
302-3 Energy intensity 62
302-4 Reduction of energy consumption 62
GRI 305: Emission 305-1 Direct (Scope 1) GHG emissions 63
2016 305-2 Indirect (Scope 2) GHG emissions 63
305-3 Other indirect (Scope 3) GHG 63
emissions
305-4 GHG emissions intensity 63
305-5 Reduction of GHG emissions 62-63
305-6 Emissions of ozone-depleting 63
substances (ODS)
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118 PT Bank Negara Indonesia (Persero) Tbk
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
305-7 Nitrogen oxides (NOx), sulfur oxides 63
(SOx), and other significant air
emissions
Material Topic: Data Security and Cybersecurity
GRI 3: Material 3-3 Management of material topics 45
Topics
GRI 418: 418-1 Substantiated complaints concerning 46
Customer Privacy breaches of customer privacy and
2016 losses of customer data
Market Presence
GRI 202: Market 202-1 Ratios of standard entry level 83
Presence 2016 wage by gender compared to local
minimum wage
202-2 Proportion of senior management 80
hired from the local community
Indirect Economic Impacts
GRI 203: Indirect 203-1 Infrastructure investments and 74-75
Economic services supported
Impacts 2016
203-2 Significant indirect economic 67, 71,
impacts 74-75
Anti-corruption
GRI 205: Anti- 205-1 Operations assessed for risks related 102
corruption 2016 to corruption
205-2 Communication and training 102
about anti-corruption policies and
procedures
205-3 Confirmed incidents of corruption 103
and actions taken
Anti-competitive Behavior
GRI 206: Anti- 206-1 Legal actions for anti-competitive 43
competitive behavior, anti-trust, and monopoly
Behaviour 2016 practices
Tax
GRI 207: Tax 207-1 Approach to tax 25
2019
207-2 Tax governance, control, and risk 25
management
207-3 Stakeholder engagement and 25
management of concerns related
to tax
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119
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
Materials
GRI 301: 301-1 Materials used by weight or volume Not relevant for banking business
Materials 2016
Water and Effluents
GRI 303: Water 303-1 Interactions with water as a shared 64
and Effluents resource
2018
303-2 Management of water discharge- 64
related impacts
303-3 Water withdrawal 64
303-4 Water discharge 64
303-5 Water consumption 64
Biodiversity
GRI 304: 304-1 Operational sites owned, leased, 64
Biodiversity managed in, or adjacent to, protected
2016 areas and areas of high biodiversity
value outside protected areas
304-2 Significant impacts of activities, 64
products and services on biodiversity
304-3 Habitats protected or restored 64
304-4 IUCN Red List species and national 65
conservation list species with
habitats in areas affected by
operations
Waste
GRI 306: Waste 306-1 Waste generation and significant 61, 63
2020 waste-related impacts
306-2 Management of significant waste- 61, 63
related impacts
306-3 Waste generation 63
306-4 Waste diverted from disposal 61, 63
306-5 Waste directed to disposal 63
Supplier Environmental Assessment
GRI 308: 308-1 New suppliers that were screened Has not been implemented in the current
Supplier using environmental criteria period.
Environmental
308-2 Negative environmental impacts in Has not been implemented in the current
Assessment
the supply chain and actions taken period.
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120 PT Bank Negara Indonesia (Persero) Tbk
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
Employment
GRI 401: 401-1 New employee hires and employee 80-82
Employment turnover
2016
401-2 Benefits provided to full-time 89
employees that are not provided to
temporary or part-time employees
401-3 Parental leave 83, 89
Labor/Management Relations
GRI 402: Labor/ 402-1 Minimum notice periods regarding Information is confidential.
Management operational changes
Relations 2016
Occupational Health & Safety
GRI 403: 403-1 Occupational health and safety 91
Occupational management system
Health & Safety
403-2 Hazard identification, risk 91
2018
assessment and incident
investigation
403-3 Occupational health services 91
403-4 Worker participation, consultation, 91
and communication on occupational
health and safety
403-5 Worker training on occupational 91
health and safety
403-6 Promotion on worker health 91
403-7 Prevention and mitigation of 91
occupational health and safety
impacts directly linked by business
relationships
403-8 Workers covered by an occupational 91
health and safety management
system
403-9 Work-related injuries N/A
403-10 Work-related ill health N/A
Training and Education
GRI 404: Training 404-1 Average hours of training per year 88
and Education per employee
2016
404-2 Programs for upgrading employee 85, 87
skills and transition assistance
programs
404-3 Percentage of employees receiving 90
regular performance and career
development reviews
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121
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
Diversity and Equal Opportunity
GRI 405: Diversity 405-1 Diversity of governance bodies and 79-80,
and Equal employees 83-84
Opportunity 2016
Non-discrimination
GRI 406: Non- 406-1 Incidents of discrimination and 78
discrimination corrective actions taken
2016
Freedom of Association and Collective Bargaining
GRI 407: Freedom 407-1 Operations and suppliers in which 85
of Association the right to freedom of association
and Collective and collective bargaining may be at
Bargaining 2016 risk
Child Labor
GRI 408: Child 408-1 Operations and suppliers at 83
Labor 2016 significant risk for incidents of child
labor
Forced or Compulsory Labor
GRI 409: Forced 409-1 Operations and suppliers at 83
or Compulsory significant risk for incidents of forced
Labor 2016 or compulsory labor
Rights of Indigenous Peoples
GRI 411: Rights 411-1 Incidents of violations involving 76
of Indigenous rights of indigenous peoples
Peoples 2016
Local Communities
GRI 413: Local 413-1 Operations with local community 74-75
Communities engagement, impact assessments,
2016 and development programs
413-2 Operations with significant actual 74-75
and potential negative impacts on
local communities
Supplier Social Assessment
GRI 414: 414-1 New suppliers that were screened Has not been implemented in the current
Supplier Social using social criteria period
Assessment 2016
414-2 Negative social impacts in the Has not been implemented in the current
supply chain and actions taken period
Public Policy
GRI 415: Public 415-1 Political contributions 43
Policy 2016
Customer Health and Safety
GRI 416: 416-1 Assessment of the health and safety Not relevant for banking business
Customer Health impacts of product and service
and Safety 2016 categories
416-2 Incidents of non-compliance Not relevant for banking business
concerning the health and safety
impacts of products and services
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122 PT Bank Negara Indonesia (Persero) Tbk
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
Marketing and Labeling
GRI 417: 417-1 Requirements for product and 55
Marketing and service information and labeling
Labeling 2016
417-2 Incidents of non-compliance 56
concerning product and service
information and labeling
417-3 Incidents of non-compliance 56
concerning marketing
communications
G4 Financial Sector Supplement 2013
Indicator Disclosure Page
FS1 Policies with specific environmental and social components applied to business 34
lines
FS2 Procedures for assessing and screening environmental and social risks in business 34
lines
FS3 Processes for monitoring clients’ implementation of and compliance with 34
environmental and social requirements included in agreements or transactions
FS4 Process(es) for improving staff competency to implement the environmental and 87
social policies and procedures as applied to business lines
FS5 Interactions with clients/investees/business partners regarding environmental 67
and social risks and opportunities
FS6 Percentage of the portfolio for business lines by specific region, size (e.g. micro/ 26
sme/large) and by sector
FS7 Monetary value of products and services designed to deliver a specific social 68
benefit for each business line broken down by purpose
FS8 Monetary value of products and services designed to deliver a specific 26, 39
environmental benefit for each business line broken down by purpose
FS9 Coverage and frequency of audits to assess implementation of environmental and 40
social policies and risk assessment procedures
FS10 Percentage and number of companies held in the institution’s portfolio with 26
which the reporting organization has interacted on environmental or social issues
FS11 Percentage of assets subject to positive and negative environmental or social 26
screening
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123
Indicator Disclosure Page
FS12 Voting policy(ies) applied to environmental or social issues for shares over which Not relevant for SOEs
the reporting organization holds the right to vote shares or advises on voting
FS13 Access points in low-populated or economically disadvantaged areas by type 72
FS14 Initiatives to improve access to financial services for disadvantaged people 54
FS15 Policies for the fair design and sale of financial products and services 42, 54
FS16 Initiatives to enhance financial literacy by type of beneficiary 72
Sustainability Accounting Standard Board (SASB)
Indicator Disclosure Page
Activity Metrics
FN-CB-000.A (1) Number and (2) value of checking and savings accounts by segment: 16
(a) personal and (b) small business
FN-CB-000.B (1) Number and (2) value of loans by segment: (a) personal and (b) small 26
business
Data Security
FN-CB-230a.1 (1) Number of data breaches, (2) percentage involving personally 45-46
identifiable information (PII), (3) number of account holders affected
FN-CB-230a.2 Description of approach to identifying and addressing data security risks 45-48
Financial Inclusion & Capacity Building
FN-CB-240a.1 (1) Number and (2) amount of loans outstanding qualified to programs 67
designed to promote small business and community development
FN-CB-240a.2 (1) Number and (2) amount of past due and nonaccrual loans qualified 29, 67
to programs designed to promote small business and community
development
FN-CB-240a.3 Number of no-cost retail checking accounts provided to previously 72-73
unbanked or underbanked customers
FN-CB-240a.4 Number of participants in financial literacy initiatives for unbanked, 72-73
underbanked, or underserved customers
Incorporation of Environmental, Social, and Governance Factors in Credit Analysis
FN-CB-410a.2 Description of approach to incorporation of environmental, social and 34, 35-38, 98-99
governance (ESG) factors in credit analysis
Financed Emissions
FN-CB-410b.1 Absolute gross financed emissions, disaggregated by (1) Scope 1, (2) 33
Scope 2 and (3) Scope 3
FN-CB-410b.2 Gross exposure for each industry by asset class 33
FN-CB-410b.3 Percentage of gross exposure included in the financed emissions 33
calculation
FN-CB-410b.4 Description of the methodology used to calculate financed emissions 33
Page 126
Sustainability Report 2023
124 PT Bank Negara Indonesia (Persero) Tbk
Indicator Disclosure Page
Business Ethics
FN-CB-510a.1 Total amount of monetary losses as a result of legal proceedings 43, 102
associated with fraud, insider trading, anti-trust, anti-competitive
behavior, market manipulation, malpractice, or other related financial
industry laws or regulations
FN-CB-510a.2 Description of whistleblower policies and procedures 101
Risk Management System
FN-CB-550a.1 Global Systemically Important Bank (G-SIB) score, by category Not relevant
FN-CB-550a.2 Description of approach to incorporation of environmental, social, 35-38, 41-42, 97-99
and governance (ESG) factors in credit analysis into capital adequacy
planning, long-term corporate strategy, and other business activities
Sustainable Banking Assessment (SUSBA) Index
Indicator Disclosure Page
Purpose Sustainability Strategy and stakeholder engagement 8-9, 105-107
Stakeholder engagement and participation in sustainable finance 18
initiatives
Policies Public statements on specific ESG issues 93, 97
Public statements on specific sectors 34-39
Processes Assessing ESG risks in client and transaction approvals 34-39
Client monitoring and engagement 40
People Responsibilities for ESG 42
Staff E&S training and performance evaluation 72-73
Products ESG integration in products and services 22-23
Portfolio ESG risk assessment and mitigation at portfolio level 34-40
Disclosure of ESG risk exposure and targets 97-99
Page 127
Sustainability Report 2023
PT Bank Negara Indonesia (Persero) Tbk
125
Feedback Sheet
PT Bank Negara Indonesia (Persero) Tbk publishes a Sustainability Report to provide an overview of sustainability
performance and the implementation of sustainable finance to stakeholders. We welcome feedback, criticism and
suggestions from you after reading this Sustainability Report.
Name (if preferred) :
YOUR Institution/Company :
PROFILE Email :
Phone :
S TAKEHOLDER G ROUP
Shareholder/
Government/OJK Customer Employee Supplier
investor
Business Others
Media Labor union Community
organization ……………………
Please select the answer that best describes the question below.
Yes No
1. This report is easy to understand. ( ) ( )
2. This report is useful to you. ( ) ( )
3. This report has clearly explained the sustainability performance. This report has ( ) ( )
disclosed material topics relevant to the Company.
Other suggestions for improving the information in this report ....................
Thank you for your participation.
We would like to thank you for any feedback, suggestions, and input for the improvement and progress of this report in the
coming year. The return of forms and other matters related to the 2023 Sustainability Report can be submitted to:
Enterprise Risk Management Division
PT Bank Negara Indonesia (Persero) Tbk
Grha BNI, Lt.26
Jl. Jenderal Sudirman Kav.1 Jakarta 10220 Indonesia
Phone : (62-21) 572 8544
E-mail : esg@bni.co.id
Page 128
Sustainability Report 2023
126 PT Bank Negara Indonesia (Persero) Tbk
Head office:
Grha BNI
Jl. Jend. Sudirman Kav. 1
Jakarta 10220, Indonesia
Phone & Fax
Solution Center : 1500 046
Phone : 021 - 2511 946 , 572 8387
Fax : 021 - 572 8295 , 572 8053 BNI
@BNI46
Online @BNI46
Website : bni.co.id BNI
Names mentioned 33 people and organisations named in the text · linked when the evidence is strong
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Financial Services Authority
p.12 ×4
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Ministry of State-Owned Enterprise
p.16
unresolved
org
PT BNI Life Insurance
p.21
unresolved
org
PT Bank Hibank Indonesia
p.21
unresolved
org
BNI Remittance Ltd.
p.21
unresolved
org
PT Bank Mayora
p.25
unresolved
org
PT Bank Hibank
p.25
unresolved
org
PT PLN (Persero)
p.29
unresolved
org
Ministry of Investment
p.31
unresolved
org
Bank Indonesia
p.44 ×4
unresolved
org
Bank KBMI
p.60
unresolved
org
Ministry of Environment
p.67
unresolved
org
Ministry of Environment and Forestry
p.67
unresolved
org
Perkreditan Rakyat
p.69
unresolved
org
Ministry of Maritime Affairs and Fisheries
p.71
unresolved
org
Ministry of SOEs
p.73 ×2
unresolved
org
Ministry of Agriculture
p.73
unresolved
org
Bank Goes
p.74 ×2
unresolved
org
Minister of SOEs
p.76
unresolved
org
Yayasan Pundi Amal Peduli Kasih
p.77
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