Source file signed link, expires in 15 minutes
Extracted text 192
Page 1
Strong Bonds, Great Impact
PT Bank Negara Indonesia (Persero) Tbk 2024 Sustainability
Report
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 1
Page 2
STRONG BONDS,
GREAT IMPACT
As part of its commitment to driving meaningful
change, BNI is dedicated to building strong
relationships with all stakeholders through strategic
collaboration and innovation. As an agent of
development, BNI not only acts as an intermediary
partner but also as a catalyst, supporting its debtors
in enhancing their readiness to meet investor
expectations, particularly in the transition toward
a low-carbon economy. In addition, BNI continues
to strengthen its relationships with customers by
delivering exceptional services and best-in-class
experiences through digital innovation. These
innovations simplify transactions and broaden
access to financial education, empowering
customers to enhance their financial literacy and
inclusion. Through this dedication, BNI remains
committed to creating a greater, more positive, and
sustainable impact across economic, social, and
environmental aspects.
Forward-looking Statements
This document may contain certain plans, projections, strategies, and objectives of the Company that are not statements
of historicalfacts and would be treated as forward-looking statements under applicable law. Forward-looking statements
are subject to risksand uncertainties that may cause actual events, and the Company’s future results, to be different than
expected or indicated by suchstatements. No assurance can be given that the results anticipated by the Company, or
indicated by such forward-looking statements, will be achieved.
Sustainability Report 2024
2 PT Bank Negara Indonesia (Persero) Tbk
Page 3
Table of Contents
Sustainability Performance Overview 6 BNI FOR THE COMMUNITY 90
Pillar
Our Support to Sustainable 10 4 Empowering Growth with 92
Development Goals (SDGs) Communities
BNI’s Sustainability Commitment and 14 Financial Literacy and Inclusion 99
Strategy
Sharing Added Values with 103
Message from the Board of Directors 16 Communities
About BNI 20 Local Parties’ Involvement in the 107
Supply Chain
External Initiatives and Association 23
Membership
About Sustainability Report 24 Pillar BNI FOR EMPLOYEES 108
5
Human Resource Management 110
BNI FOR INDONESIA 28 Respecting Human Rights and 116
Pillar Diversity
Creating Simplicity through Digital 30
1 Banking Employee Competency Development 119
Sustainable Finance Implementation 33 Employee Welfare 124
Micro, Small, and Medium 38 Decent, Healthy,and Safe Workplace 128
Enterprises (MSMEs) Loan
Towards Climate Resilience through 39
Pillar SUSTAINABILITY 130
Loan Management
6 GOVERNANCE AND
ESG Risk Management in Financing 44
STAKEHOLDER ENGAGEMENT
Activities
Commitment to Implementing 132
Responsibility for Financial Products 56
Sustainable Finance
and/or Services
ESG Oversight and Evaluation 136
Fair Operating Practices and Fair 57
Competition Issues, Challenges, Developments, 139
and Influences in Implementing
Sustainable Finance
BNI FOR CUSTOMERS 58
Implementing Good Corporate 140
Pillar
2 Data Security System and Customer 60 Governance (GCG)
Privacy Protection
Responsibility for Ethical Issues 142
Cyber Security 66
Anti-Corruption, Anti-Bribery, and 143
Innovation and Development of 68 Anti-Fraud Policy
Products and/or Services
APU-PPT and PPPSPM Policy 146
Response to Customers and Respect 69
Stakeholder Engagement 147
for Human Rights
Accessibility and Affordability 70
Verification by Independent Parties 150
Accountability Sheet for 154
BNI FOR THE ENVIRONMENT 76
Sustainability Report
Pillar Green Banking 78
3 Reference of POJK No. 51, Indexes of
GRI Standards, SASB, SUSBA, ACGS
156
Minimizing the Climate Change Risks 82
through Energy Management and Green Bond Report 171
Emissions Reduction
Feedback Sheet 191
Water Management 85
Environmental and Biodiversity 86
Preservation
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 3
Page 4
2024
Higlights
Rp64,515 Rp21,464 Rp190.5 trillion
Sustainability Financing reached 25.0%
billion billion of total loans (Bank only)
Operating Income Income for The Year
consisting of:
Rp73.4 trillion (38.5%) Green Financing
and Rp117.1 trillion (61.5%) MSMEs Financing
Rp4,363 billion BNI Agen46 reached more than
27,203 BNI employees
Realization of Green Bond in 2024 6,196 sub-districts 52.0% are women
has potentially reduce 1,441,983
in Indonesia with 20.2 million
(ton CO2eq) of GHG Emissions
customer accounts
134.1 hours 35% 4.28
Average training hours per (scale of 1-5)
employee per year
(‘Good’ Category) Customer Satisfaction index
Employee Engagement Index
(Net Promoter Score/NPS)
6,215 Partners Rp129.9 billion USD373.9 million
MSME Fostered Partners from Social and Environmental or equivalent to Rp6.0 trillion
Rumah BUMN Responsibiliy Program Fund BNI has distributed
Realization Sustainability Linked Loan (SLL)
0.0000000145 0.00000051813
GJ/Rp Ton CO2eq/Rp
Energy Intensity to Income Intensity of Total GHG Emissions
Sustainability Report 2024
4 PT Bank Negara Indonesia (Persero) Tbk to Income (Scope 1, 2, & 3)
Page 5
Awards
Rating BBB The 15th IICD Corporate Medium Risk with score
MSCI ESG Ratings Governance Award 2024 of 23.2 – ESG Risk Rating
The Best Overall in Corporate Sustainalytics
Governance in the Category of Public
Companies with the Largest Market
Capitalization (Big Cap Public Listed
Company)
Gold Rank – Asia Sustainability SRI-KEHATI Index ESG Quality 45 IDX KEHATI
Report Rating (ASRRAT) 2024 December 2024-May 2025 Index
December 2024-May 2025
ESG Sectors Leaders IDX Sustainability Reporting Most Appreciated ESG
KEHATI Index Anugerah ESG Republika 2024 Report – ESG Appreciation Night
December 2024-May 2025 B Universe 2024
ESG Lowest Risk – Appreciated Circular Appreciated Diversity
ESG Appreciation Night B Economy ESG Report Inclusivity ESG Report
Universe 2024 Investor Daily ESG Appreciation Investor Daily ESG Appreciation
Night 2024 Night 2024
Most Appreciated ESG Finance Sector: Social The Most Trusted Company
Report - Investor Daily ESG Champion – KATADATA ESG Corporate Governance Perception
Appreciation Night 2024 Awards 2024 Index (CGPI) Awards 2024
Integrity & Tranparency in SROI Excellent Award Top Corporate Donors,
Impact Award - Investortrust.id Investortrust.id & Bumi Global Healthcare Category
& Bumi Global Karbon Foundation Karbon Foundation YPP SCTV Indosiar
The Most Trusted Company
Corporate Governance Perception
Index (CGPI) Awards 2024
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 5
Page 6
Sustainability Performance Overview
Economy
INTERNAL PERFORMANCE
Description Unit 2024 2023 2022
Operating income 64.5 62.7 61.5
Income for the year 21.5 20.9 18.3
Current Account Saving Account (CASA) 563.3 577.5 557.3
Rp Trillion
Loan disbursement - total 775.9 695.1 646.2
Loan distribution - MSMEs 117.1 113.2 123.2
Third-Party Funds 805.5 810.7 769.3
SUSTAINABILITY INCLUSIVE
FINANCING PERFORMANCE FINANCIAL PERFORMANCE
190.5 181.1 182.9 Number of BNI Agent46
Sustainability
financing 213,370 185,697 164,979
2024 2023 2022
Number of accounts (Million)
Rp Trillion
20.2 20.0 20.0
2024 2023 2022
2024 2023 2022
Percentage of total 25.0 26.4 28.5
sustainability financing Amount of funds (Rp trillion)
portfolio to total loan
1.1 1.1 0.9
2024 2023 2022
%
2024 2023 2022
Sustainability Report 2024
6 PT Bank Negara Indonesia (Persero) Tbk
Page 7
Social
INTERNAL PERFORMANCE
52.0 52.2 52.0** 31.2 30.9 29.8 134.1 143.5 191.7
Female Female employees Average
employees holding training hours
to total managerial
employees positions and
above
% % Hours
2024 2023 2022 2024 2023 2022 2024 2023 2022
200.9 346.2 265.8 35 34 30 4.28 4.26 4.27
Employee Employee Customer
training and Engagement satisfaction
education fees Rate index
(NPS)*
Rp Billion % Scale 1-5
2024 2023 2022 2024 2023 2022 2024 2023 2022
99.9 99.9 99.9 92.1 98.4 88.3
Customer Involvement of
complaint local suppliers/
resolution rate parties
% %
2024 2023 2022 2024 2023 2022
SOCIAL ACTIVITIES
129.9 129.8 99.7 6,215*** 8,201 7,941
Social activity Rumah BUMN
fund beneficiaries
Rp Billion MSMEs
2024 2023 2022 2024 2023 2022
*) Restatement of information in 2022 and 2023 due to adjustments to measurement methods.
**) Data adjustments due to rounding differences.
***) The decrease was due to the closure of non-potential of Rumah BUMN.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 7
Page 8
Environment
INTERNAL PERFORMANCE
Description Unit 2024 2023 2022
Energy intensity GJ/Rp 0.0000000145 0.0000000149 0.0000000161
to income*
Intensity of total Ton 0.00000051813 0.00000046081* 0.000000000757
GHG emissions CO2eq/
to income Rp
Water use m3 1,882,040 1,758,134 1,636,874
Note:
*) Restatement of information due to unit adjustments.
ENVIRONMENTAL ACTIVITIES
2024 7.2
Environmental costs**
2023 6.5
Rp Billion 2022 6.5
Orangutan conservation 2024 2
program 2023 2
2022 N/A
Species
Tree planting 2024 177,347*
2023 88,023
Seed
2022 438,000
‘Ayo Menabung dengan 2024 195,349
Sampah’ program
2023 320,025
2022 316,688
Account
*) The significant difference in the number of trees planted in 2024 compared to the previous year was
influenced by the addition of new programs.
**) Restatement of information from 2022-2023 due to adjustments in environmental sector classification
based on OJK regulations.
Sustainability Report 2024
8 PT Bank Negara Indonesia (Persero) Tbk
Page 9
Sustainability Report 2024 PT Bank Negara Indonesia (Persero) Tbk 9
Page 10
Our Support to Sustainable Development Goals (SDGs)
BNI’s support and contribution to the achievement of
Sustainable Development Goals (SDGs) is carried out
by harmonizing the management of economic and ESG
aspects. BNI’s main focus is to support SDGs in the
context of a banking business that has a sustainable
positive impact on society and the environment, both
in the short and long term.
BNI for Indonesia
Strategies in Supporting the 2025
2023 Achievement 2024 Achievement 2025 Target
SDG Targets
Total MSME loan as Total MSME loan as of MSME loan target for • Improve value chain execution
of the end of 2023 is the end of 2024 Rp117.1 2025 is Rp126.8 trillion. success.
Rp113.2 trillion. trillion. • Increase acquisition from existing
customers and export ecosystem.
• Accelerate end-to-end process for
quality expansion.
Realization of • Realization of KUR • Gross KUR • End-to-end digitalization of the loan
Subsidized Micro Loan distribution of Rp11.9 expansion target of process, through the distribution
(KUR) amounted to trillion to 54,075 Rp17 trillion. of data leads through BNIMove,
Rp17.82 trillion. debtors. • BWU gross BNIMove integration with existing
• Realization of BNI expansion target of portals at BNI, scoring models
Wirausaha (BWU) Rp19 trillion. based on big data as predictive
distribution of analytics, collection activity system,
Rp5.97 trillion to API Services, Anti Fraud Detection
28,787 debtors. System.
• Development of customized
products according to market
needs, including Business
Transaction Based Financing
Products (liquidity financing,
invoice financing, and retail
financing).
• Business partnerships, closed
loop ecosystem lending
(Value Chain partners, digital
ecosystem, etc.), cooperation
with ministries/institutions for
MSME empowerment, MSME Go
Global inclusion program (export
orientation).
Sustainability Report 2024
10 PT Bank Negara Indonesia (Persero) Tbk
Page 11
Strategies in Supporting the 2025
2023 Achievement 2024 Achievement 2025 Target
SDG Targets
Implemented the Implementing Climate Implementation of • Work with selected consultants
initial phase of Risk Stress Test (CRST) Climate Risk Stress Test in developing calculation
Climate Risk Stress on 50% of BNI's (CRST) on 100% of BNI's methodology and tools to assist
Test (CRST) Phase 1 loan portfolio which loan portfolio. CRST calculation.
on several sectors, includes consumptive • Data improvement to increase
such as coal, oil property loans and six the accuracy of stress test results.
palm plantation, main sectors, namely
pulp & paper. electricity, transportation
and warehousing,
construction, agriculture,
manufacturing, and
mining and quarrying.
Total GHG emission Total GHG emission 80% of the green bond The distribution of green bonds is
reduction of 233,749 reduction of 1,441,983 funds issued in 2022 in line with the sector targets in the
tons Co2eq from tons Co2eq from green will mature in 2025 Green Bond Framework.
green bonds. bonds. and will be replaced
by other sustainability
bonds.
Realization of Realization of Development of • Socialization of Sustainability
Sustainability Sustainability Linked Loan Sustainability Linked Linked Loan (SLL) financing
Linked Loan (SLL) (SLL) disbursement of Loan (SLL) portfolio program for Relationship
disbursement of Rp6.0 trillion. exposure. Managers (RM).
Rp4.6 trillion. • Campaign of BNI Sustainability
Linked Loan (SLL) program
through ESG events organized by
external parties
BNI for Customers
Strategies in Supporting the 2025
2023 Achievement 2024 Achievement 2025 Target
SDG Targets
• Did not face Did not face any cases of Did not face any • Implement data/information
any cases of complaints related to data cases of complaints security policies and improve data/
complaints breaches. related to data information security management
related to data breaches. systems through education/
breaches. awareness to employees &
customers, implementation and
integration of security technology
to strengthen the security of BNI
applications and systems.
• Increase in the • Increase in the number Increased number • Launching various new features
number of BNI of BNI Mobile Banking of wondr by BNI designed to fulfill customers'
Mobile Banking users by 11.4%. users with a transaction needs more easily,
users by 19.4%. • Launch of a new minimum of 10 as well as helping customers'
application, wondr by million registered financial management with
BNI, in July 2024 with users. modern and innovative features.
the number of registered
users reaching 5.3
million by the end of
2024.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 11
Page 12
BNI for Environment
Strategies in Supporting the 2025
2023 Achievement 2024 Achievement 2025 Target
SDG Targets
• Planting program • Planting program of • Planting Cooperate with professional and
of 88,023 trees. 177,347 trees. program of competent partners.
• Conservation • Adoption program for 170,000 trees.
program for 2 2 individual orangutans • Adoption
orangutans. with responsibility program of
• Support for for food, medicine, 4 individual
Javan Rhino enrichment, and orangutans and
conservation laboratory costs. their ecosystem.
program in Ujung • Javan Rhino • Review process
Kulon National conservation program on the follow-
Park. in Ujung Kulon National up program of
Park focuses on genetic Javan Rhino
mapping. conservation.
Strategies in Supporting the 2025
2023 Achievement 2024 Achievement 2025 Target
SDG Targets
• Energy intensity • Energy intensity of Minimize increases • Conducting energy efficiency in all
of 0.0000000149 0.0000000145 GJ/Rp. in energy BNI offices.
GJ/Rp. • Scope 1, 2 & 3 GHG intensity and GHG • Setting the Operational NZE target
• Scope 1, 2 & 3 emissions intensity of emissions. in 2028.
GHG emissions 0.00000051813 tons • Strengthening BNI's operational
intensity of CO2eq/Rp. emission data infrastructure with
0.00000045579 the development of an emission
tons CO2eq/Rp. management platform.
BNI for Society
Strategies in Supporting the 2025
2023 Achievement 2024 Achievement 2025 Target
SDG Targets
• Realization of CSR • Realization of CSR funds • The allocation • The management of the CSR
funds amounting amounting to Rp129.9 of CSR funds Program is carried out in a
to Rp129.8 billion. billion. amounted to systematic and integrated manner
• Assistance to • 100% of Rumah BUMN Rp166 billion. to ensure the success of the
fostered partners fostered partners are • Assistance to program.
of Rumah BUMN. mentored by BNI. fostered MSEs • Collaborate with professional and
in 23 Rumah competent partners.
BUMN in the • Management and Assistance of
form of training, MSMEs Go Modern, Go Digital,
exhibitions, and and Go Online through 23 of
certification. Rumah BUMN.
• Increase the capacity and
capability of fostered partners
through the provision of education,
training, apprenticeship,
marketing, and other forms of
assistance.
Sustainability Report 2024
12 PT Bank Negara Indonesia (Persero) Tbk
Page 13
Strategies in Supporting the 2025
2023 Achievement 2024 Achievement 2025 Target
SDG Targets
• 778 accumulated • 794 accumulated • 800 BNI Work in collaboration with the
scholarship scholarship beneficiaries Berbagi community to improve the quality of
beneficiaries until the until the end of 2024. scholarship the program.
end of 2023. • Infrastructure awardees.
• Conducted development for 100 • 120 education
infrastructure schools or educational infrastructure
development institutions as well as assistance.
for 99 schools the provision of facilities
or educational and infrastructure in
institutions as well BNI's working area.
as the provision
of facilities and
infrastructure in the
BNI region.
BNI for Employees
Strategies in Supporting the 2025
2023 Achievement 2024 Achievement 2025 Target
SDG Targets
• 52.2% of total • 52.0% of total employees • 50% of total • Providing equal opportunities for
employees are are female. employees are men and women to occupy the
female. • Female employees female. same position.
• Women who hold holding managerial • >30% of women • Performance appraisal mechanism
positions above positions and above are in managerial by taking into account the
manager are 31.2%. positions (AVP achievement of Key Performance
30.8%. and above). Indicator (KPI) conducted for all
employees.
• Provide support facilities for
female employees through equal
policies such as menstrual leave;
daycare facilities; maternity leave;
Employee Assistance Program
(EAP) to support employees'
physical, mental and financial
health; and breastfeeding rooms in
each building.
• Building the Srikandi BNI
community to encourage all
employees, especially women to
support each other, build personal
and professional capability, and
learn new things.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 13
Page 14
BNI’s Sustainability Commitment and Strategy [2-22, 2-23, 2-24]
Commitment
BNI’s commitment to achieving sustainability performances and
creating a better future is continuously strengthened through the
implementation of responsible banking activities, implementing
sustainability strategies and pillars. In addition, BNI also fully
supports the regulations and policies of the government and other
authorities to support the realization of a low-carbon economy in
the future.
ESG Framework and Roadmap
Environment
• Conducting climate-related financial risk management by referring to
international standards
• Achieving Net Zero Emission (NZE) in Operations by 2028 and NZE in
Financing by 2060
• Strengthening governance in sustainability financing
• Improving employee awareness and capabilities
• Sharpening ESG disclosure
E G Social
• Increasing employee engagement
S •
•
Improving employee capabilities
Strengthening data and customer financial protection
Governance
• Increasing diversity at the Board of Directors level
• Strengthening Board involvement in ESG
Short-Term Focus Mid-Term Focus Long-Term Focus
(2024): (2025-2026): (≥2027):
• Strengthening • Strengthening the Risk Acceptance Criteria • Implementation of climate
infrastructure (RAC) of debtors change risk management within
• Establishing NZE and • Strengthening the infrastructure of climate Bank’s operations
Carbon Budget change risk management
• Strengthening Board involvement in ESG
• Optimizing data loss prevention
Sustainability Report 2024
14 PT Bank Negara Indonesia (Persero) Tbk
Page 15
Strategy
BNI has developed a strategy that integrates environmental, social, and governance (ESG) performance
to support stakeholders and promote environmental preservation in achieving sustainability goals. As a
tangible manifestation of this commitment, we have established five sustainability pillars. These pillars
align with BNI’s mission to deliver exceptional services and digital solutions to customers as their primary
business partner, strengthen international services to support global partners, enhance investment value
for investors, foster a work environment that enables employees to take pride in their contributions, and
demonstrate a strong commitment to the community and the environment. Furthermore, BNI strives to
set an industry benchmark for compliance and good corporate governance.
BNI’s Sustainability Pillars
BNI FOR INDONESIA BNI FOR CUSTOMERS BNI FOR THE BNI FOR THE BNI FOR EMPLOYEES
Running the company’s Providing excellent ENVIRONMENT COMMUNITY Providing the best
business by integrating services, digital Improving Increasing awareness conditions for employees
economic, social, solutions, security, and environmental quality and responsibility to as a place of pride
environmental and privacy protection for in line with business all levels of society to work and create
governance aspects. all customers. development. in line with business accomplishment.
development.
Throughout 2024, BNI continues to strengthen 4. Continuously creating opportunities and
its commitment by implementing several initiatives to support sustainable finance. One
sustainability strategies, namely: of them is by becoming a debtor partner in
1. Implementing sustainability and sustainable the debtor’s transition journey, through the
finance practices, as well as monitoring, “BEST” event, namely BNI ESG Sustainability
evaluating and measuring its performance & Transition as part of BNI’s initiative to
annually, which is then reported in the encourage debtor awareness towards green
Sustainability Report. transition. In addition, BNI also carries out
2. Supporting the achievement of the Net Zero educational programs for debtors to support the
Emissions (NZE) target set by the government. government’s transition program, through the
BNI has set an ambitious target to achieve net Technical Workshop of Indonesian Sustainable
zero emissions in its operations by 2028 and Finance Taxonomy (TKBI) for debtors in energy
in financing by 2060. This includes integrating sector.
climate risk into the strategy as well as
improving related infrastructure. Through those strategy, BNI demonstrates its
3. Green financing continues to increase as part strong commitment to promoting sustainable
of its sustainability portfolio. This is in line with development and creating a better future.
our commitment to support the green transition
and the achievement of the Sustainable
Development Goals (SDGs).
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 15
Page 16
Message from the Board of Directors [2-11, 2-12, 2-14, 2-22]
Royke Tumilaar
President Director
Dear Esteemed Stakeholders, Climate change continues to be a paramount
global issue that commands the attention of
The year 2024 presents both challenges and various parties. As part of efforts to address this
opportunities for the banking sector, particularly in the challenge, in 2022, the Government of Indonesia
implementation of sustainability principles across all announced its commitment to achieving Net Zero
business lines. PT Bank Negara Indonesia (Persero) Emission (NZE) by 2060, alongside setting emissions
Tbk (BNI) remains steadfast in its commitment to reduction targets through the Nationally Determined
playing a vital role in advancing sustainable financial Contribution (NDC) expected to be realized by 2030.
practices, aligned with the Sustainable Development In 2024, we have observed significant progress in the
Goals (SDGs) and our role as an accountable financial development of sustainable finance in Indonesia. To
institution. minimize its carbon footprint and promote greater
inclusivity in the financial sector, BNI continuously
Strategies and Policies in Addressing Sustainability embeds sustainability principles across all business
Challenges operations. This includes financing environmentally
For BNI, sustainability means fundamental friendly projects and adopting internal policies aimed
elements that are integrated into every facet of at reducing carbon emissions.
banking operations. BNI harmonizes its business
strategies with sustainability principles that BNI reinforces its commitment to addressing climate
balance environmental, social, governance (ESG), change challenges through the implementation
and economic factors. In its implementation, BNI of sustainable finance. The Board of Directors
cultivates a strong sustainability culture across all recognizes that climate change poses significant
work units, ensuring the effective integration of green risks to economic value, including financial assets,
banking practices. due to environmental degradation. In alignment with
. this concern and to support the directives from the
Otoritas Jasa Keuangan (OJK), BNI has undertaken
Sustainability Report 2024
16 PT Bank Negara Indonesia (Persero) Tbk
Page 17
various strategic measures pertaining to sustainable BNI also enhances ESG risk management within the
finance. In 2024, in conjunction with the launch of establishment of Risk Acceptance Criteria (RAC).
Climate Risk Management & Scenario Analysis RAC implementation covers 22 Corporate debtor
(CRMS) and the Indonesian Sustainable Finance sectors, 18 Commercial debtor sectors, and 10 Retail
Taxonomy (TKBI) by OJK, BNI conducted a Climate Productive sectors, incorporating aspects of human
Risk Stress Test (CRST) on 50% of BNI’s loan portfolio rights and occupational health and safety (OHS),
in June 2024 to assess the impact of climate-related alongside climate change mitigation and adaptation
financial risks over the short, medium, and long in debtor operations. This effort not only supports
terms, as well as conducted debtor assessments regulatory compliance but also fortifies a more
based on TKBI classification for energy sectors. resilient ESG risk management approach across all
served sectors.
BNI’s concrete measures towards achieving NZE
include managing financing activities, increasing Sustainability for us transcends being simply a
funding for environmentally friendly sectors, and keyword; it is an inseparable component of the
enhancing greenhouse gas (GHG) emissions data company’s long-term strategy. We are committed
across scopes 1, 2, and 3 related to business travel to continually enhancing our sustainable finance
and financing emissions. Our commitment to practices, leveraging innovative digital technology
reducing GHG emissions is further solidified by to support the development of a green and inclusive
setting NZE achievement targets for operations economy. As part of this endeavor, we actively
by 2028 and financing by 2060. The Company has support government initiatives in achieving SDG
mapped economic sectors by their emission levels, targets, including through green financing and the
both high and low, which serve as the foundation strengthening of sustainable financial literacy among
for portfolio management. Moving forward, BNI the community.
will prioritize financing expansion for low-emission
businesses, while financing towards high-emission BNI’s commitment to sustainability is robustly backed
businesses will be selectively pursued to optimally by all corporate governance organs, including the
support NZE targets. Board of Directors, who actively oversee and evaluate
the implementation of sustainability strategies.
BNI continues to expand its sustainable financing Through quarterly ESG Sub-Committee forums, the
portfolio, focusing on green loans, Sustainability Board consistently monitors developments in crucial
Linked Loans (SLLs), and green bonds. Through SLLs, topics such as sustainable finance, ESG trends, and
BNI provides debtors who achieve sustainability the application of ESG strategies at BNI, ensuring that
targets with financing incentives. Additionally, BNI all sustainability initiatives are executed effectively
strengthens its management of green bonds, which and sustainably.
is increasingly recognized as a tool for funding green
projects. This effort encourages debtors’ transition Implementation of Sustainable Finance and
towards clean energy and sustainability, including Achievement in Sustainability Performance
small and medium enterprises that have yet to adopt In the economic sector, BNI recorded an operating
environmentally friendly practices. Moreover, BNI income of Rp64.5 trillion, reflecting a 2.8% increase
maintains collaboration with regulators, international compared to the previous year. By the end of the
institutions, and strategic partners to ensure that all fiscal year, BNI’s net profit reached Rp21.5 trillion,
our products and services contribute to inclusive and marking a 2.7% growth from 2023. This performance
sustainable economic growth. improvement was driven by solid growth in net
interest income and fee-based income.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 17
Page 18
As part of its commitment to sustainability, BNI specific sustainability topic trainings were provided
continues to strengthen its role in applying ESG for certain divisions directly involved in managing
principles. As of December 31, 2024, the green loan the implementation of sustainable finance at BNI. The
amounted to Rp73.4 trillion, from the target of Rp71.2 execution of all these training sessions aims to ensure
trillion, or 9.6% of the total loan. Additionally, SLLs that every employee possesses adequate knowledge
portfolio reached Rp6.0 trillion, reflecting BNI’s to support the integration of sustainable finance into
efforts to support sectors which focused on their BNI’s business operations.
sustainability targets.
Customer experience is also an important aspect that
BNI has realized 87.3% of the allocation of green we maintain. Therefore, BNI continues to strengthen
bond funds in accordance with BNI’s green bond its commitment to managing data security and
framework, which was channelled into five major cybersecurity as part of our commitment to protect
green financing sectors: Renewable Energy, Waste customer information, company data, and critical
Processing into Energy and Waste Management, banking operating systems. In response to the
Environmentally Friendly Transportation, Green challenges of technological developments and
Building, and Sustainable Management of Natural increasingly complex cyber threats, BNI continues to
Resources and Land Use. The remaining 12.7% was update and strengthen existing IT infrastructure and
allocated to other green sectors. security systems.
Meanwhile, BNI remains committed to enhancing BNI is committed to complying with applicable
the quality of life of the communities through standards and regulations to ensure maximum
empowerment and partnership programs, focusing protection of personal data and customer transactions.
on Micro, Small, and Medium Enterprises (MSMEs). Various initiatives have been implemented, such as
BNI believes that MSMEs are a fundamental pillar of applying strict security policies, data encryption,
Indonesia’s economy, and their growth plays a vital and 24/7 monitoring of potential cyber threats.
role in the nation’s economic recovery. By the end of To ensure maximum protection, application and
2024, BNI has disbursed Rp117.1 trillion in financing system security is enhanced with secure coding,
to the MSMEs segment. Through this financing, penetration testing, vulnerability assessments, and
BNI continues to support MSMEs in accessing the various Security Perimeter Tools supported by a
necessary funding to expand their businesses, while Security Operation Center (SOC). Additionally, BNI
contributing to inclusive and sustainable economic continues to enhance employee capacity and skills
growth. through regular cybersecurity training to ensure that
the entire team can identify, prevent, and handle
In the social aspect, BNI continues to create a safe, potential threats. In 2024, there were no reported
comfortable, inclusive, and equitable working data breaches or leaks at BNI.
environment for all employees. We persistently
implement a respectful workplace and uphold From the environmental aspect, BNI continues
human rights. Throughout 2024, there have been no to implement green banking initiatives in internal
reports of discrimination or violence within BNI. We operations. BNI has inventoried GHG emissions
also regularly conduct employee satisfaction and from operational and financing activities and built
engagement surveys annually. The results of the infrastructure to monitor and manage emission
2024 survey show 34%, indicated that employees data more effectively. In 2024, GHG emission (total)
were engaged with BNI. [406-1] intensity to income was 0.00000051813 tons CO2eq/
Rp, while financed GHG emission intensity to income
BNI provides equal opportunities for every employee was 0.00000051513 tons CO2eq/Rp.
to develop their careers and competencies, including
understanding sustainable finance. In 2024, BNI BNI continues its digitization program to minimize
provided e-learning mandatory with sustainable paper usage and enhance operational efficiency.
finance topics to 26,425 employees. Moreover, As a result, paper consumption was reduced by at
Sustainability Report 2024
18 PT Bank Negara Indonesia (Persero) Tbk
Page 19
least 344,300 reams annually. BNI also maintains its implementing data and cyber security management
efforts in managing operational waste and energy systems. We also have strict policies regarding data
consumption. In 2024, we successfully recycled a total protection, as well as user access management and
of 39.7 tons. The intensity of energy consumption monitoring. Furthermore, BNI conducts third-party
per income was 0.0000000145 GJ/Rp. With these risk assessments to evaluate vendor security in
initiatives, BNI is committed to continuing as an agent technology, information, and cyberspace.
of change in supporting the transition to a green
economy, both in internal operations and through By implementing sustainable finance, BNI has a
products and services that support sustainability. significant opportunity to enhance its contribution to
the financial industry. We focus not only on financial
Sustainability Performance Target Achievement performance but also on the social and environmental
Strategy impacts resulting from every operational activity.
BNI’s sustainability performance targets holistically Along with improving sustainable practices, BNI
encompass Sustainable Finance Action Plan also seeks to optimize prospects and opportunities
(RAKB), Bank Business Plan (RBB) and the Bank’s in green financing projects, digital banking
key performance indicators (KPIs). Achieving these innovations, and various strategic collaborations
performance targets requires collaboration among with stakeholders. Through these strategies, BNI is
various divisions, supervised by top management. committed to actively contributing to environmental
Additionally, integrated risk management, which conservation, supporting social sustainability, and
includes monitoring ESG and economic risks, is contributing to the broader welfare of society.
consistently overseen by management to minimize
risks or obstacles that could affect performance Closing
achievements. The year 2024 marks an important momentum
for BNI to further strengthen our role as agent of
BNI understands that aligning business strategies change in the financial sector supporting a more
with the transition efforts to a green economy environmentally friendly, fair, and sustainable
has become a significant focus for the Indonesian economy. With all the strategic steps we have taken
government. Every year, BNI sets targets for and will take, we believe that BNI will continue to
increasing loan disbursement to green sectors and bring positive impacts, both for customers and
educates debtors to support this transition. As part of stakeholders, as well as the wider community,
BNI’s commitment to realizing a green economy, BNI towards a greener and more sustainable future.
is positioning itself as a strategic partner for debtors
in executing green transitions. Notable steps taken by We would also like to thank all stakeholders for their
BNI include educating debtors through the BNI ESG continuous support and trust in BNI. We believe that
Sustainability & Transition Event, which encourages with strong commitment and cooperation, BNI will
them to actively participate in implementing the be able to generate a great positive impacts towards
sustainability taxonomy in Indonesia, including TKBI more inclusive and sustainable development.
Technical Assistance workshop for energy sector
debtors. Jakarta, February 2025
In terms of digital transformation, BNI has targets
related to enhancing operational efficiency,
expanding service coverage, and providing better
banking experiences for customers through digital Royke Tumilaar
innovation. BNI’s digital transformation is balanced President Director
with the strengthening of cyber security systems
to protect customer data and ensure operational
integrity. Our strategy to achieve these targets is by
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 19
Page 20
About BNI [2-1]
COMPANY NAME BUSINESS ACTIVITIES, PRODUCTS
PT Bank Negara Indonesia (Persero) Tbk AND SERVICES
HEAD OFFICE ADDRESS Engages in banking business and
Grha BNI other supporting business activities
Jl. Jenderal Sudirman Kav. 1 in accordance with the Articles of
Jakarta 10220 Association No. 05 dated March 4,
2024
Phone : (62-21) 251 1946 OPERATIONAL LOCATIONS [2-6]
Email : bni@bni.co.id
Website : www.bni.co.id Operating in 9 countries, namely:
PO Box 1946 Indonesia, Singapore, Hong Kong,
Japan, United Kingdom, America,
South Korea, Netherlands, Australia
SHARE OWNERSHIP SIGNIFICANT CHANGES TO BNI
Government During 2024, there will be significant
of Indonesia changes related to organizational
60% structure/supply chain/office
opening/closure.
• Organizational Structure in
accordance with CDV Memo No.
CDV/2/1069 dated June 7, 2024
• Opening of a Branch Office in
Sydney
General
Public
40%
MARKET SERVED [2-6]
1 17
Geographic markets served: head office regional 1,583
Indonesia, New York, London, Hong offices sub-branch
offices
Kong, Singapore, Tokyo, Osaka, 197
Seoul, Amsterdam, and Sydney. branch
13,388
offices
ATM/CRM
Sectors and types of customers
served: 6 330 DigiCS
• Cooperative, Medium and Small subsidiaries
Business Banking
• Consumer Banking
10
overseas
• International and Treasury
office
Banking
networks
Sustainability
Laporan Keberlanjutan
Report 2024
2024
20 PT Bank Negara Indonesia (Persero) Tbk
Page 21
Vision
Becoming primest financial institution that excel in
services and sustainable performance.
Mission
• Provide excellent service and digital solutions to all customers, and 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
To support and accelerate the implementation of AKHLAK values at BNI, a work culture transformation
was carried out to align the company’s core values. AKHLAK values consisting of Amanah (Trustworthy),
Kompeten (Competent), Harmonis (Harmonious), Loyal (Loyal), Adaptif (Adaptive), and Kolaboratif
(Collaborative), established by the Ministry of SOEs, have been internalized at all levels of the organization.
This internalization process continues to be strengthened through the acceptance and strengthening
of PRINCIPLE 46 as BNI’s belief and work culture guide. This step demonstrates BNI’s commitment to
realizing a work culture that supports integrity, collaboration and sustainability.
TRUSTWORTHY COMPETENT HARMONIUS LOYAL ADAPTIVE COLLABORATIVE
Upholding the Continuously Mutual caring Dedicated and Continuing to Cultivating
trust given learning and and respecting prioritizing the innovate and be synergistic
improving differences interests of enthusiastic in cooperation
capabilities the nation and driving and facing
country changes
Laporan
Sustainability
Keberlanjutan
Report 2024
PT Bank Negara Indonesia (Persero) Tbk 21
Page 22
Company Scale
Total employees (People) Total customer accounts (Million)
27,203 27,570 27,170 69.7 69.1 67.6
2024 2023 2022 2024 2023 2022
Operating income (Rp Trillion) Total office network (Outlet)
64.5 62.7 61.5 1,780 1,781 1,808
2024 2023 2022 2024 2023 2022
Total ATM/CRM Total assets (Rp Trillion)
13,388 13,390 16,125 1,129.8 1,086.7 1,029.8
2024 2023 2022 2024 2023 2022
Description Unit 2024 2023 2022
Total capitalization:
• Liability Rp Trillion 962.6 932.0 889.6
• Equity 167.2 154.7 140.2
Products and Services [FN-CB-000.A]
a. Current Accounts 305.7 345.5 314.6
b. Savings 257.5 232.0 242.7
Rp Trillion
c. Deposits 242.2 233.2 212.0
d. Gross Loans 775.9 695.1 646.2
Sustainability Report 2024
22 PT Bank Negara Indonesia (Persero) Tbk
Page 23
External Initiatives and Association Membership [2-28]
To support Sustainable Finance implementation and sustainability principles in its operations, BNI adopts
various principles and standards covering economic, social and environmental aspects. These standards
include:
European Foundation
for Management International
Sustainable Development Organization for
Global Reporting
Development (EFMD) Global CLIP Standardization (ISO):
Initiative (GRI): to
Goals (SDGs): as (Corporate Learning as an international
guide transparent
a framework for Improvement Process): standard for quality,
sustainability
achieving sustainable which supports the environmental and
reporting.
development. improvement of other management.
corporate learning
processes.
The adoption of these standards reflects BNI’s commitment to integrate sustainability into every aspect of
its operations, in order to have a positive impact on stakeholders and the environment.
Details of certifications and accreditation owned:
No. Certification Validity Period
1 ISO 9001:2015 The provision of trade processing services December 23, 2020 - January 10, 2024
2 ISO 27001 : 2013 Information Security Management System January 16, 2023 to October 31, 2025
3 ISO 9001:2015 Provision of in-House Learning and in Learning/ March 26, 2023 - March 26, 2026
Digital Learning for BNI Employees
4 ISO 9001:2015 Quality Management System for Banking Operations November 18, 2021 - November 5, 2024
for 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
5 ISO 9001:2015 Quality Management System for BNI Contact Center August 2, 2023 - March 13, 2026
Services in BSD, Surabaya, & Semarang
6 ISO 9001:2015 Quality Management System for HPS Units December 1, 2023 - November 11, 2026
7 ISO 9001/2015: Quality Management System for Vendor January 9, 2024 - November 26, 2026
Management Units
8 ISO 9001:2015 Provision of BNI Credit Cards Business June 27, 2024 - June 26, 2027
9 ISO 37001:2016 Anti-Bribery Management System January 1, 2024 - December 31, 2026
10 ISO 30301:2019 Management systems for records for Archives December 23, 2024 – December 22, 2027
Units
11 New Building Greenship Certificate V.1.2
• Menara BNI • January 30, 2025 - January 30, 2028
• Plaza BNI • October 26, 2022 - October 26, 2025
12 Corporate Learning Improvement Process (CLIP) - EFMD Global December 22, 2022 – December 22, 2027
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 23
Page 24
Association Memberships Supporting to Sustainability
Association Role Range
United Nations Environment Programme Finance Member International
Initiatives (UNEP FI)
Indonesia Sustainable Finance Initiative (IKBI) Member/Founder National
Indonesia Business Council for Sustainable Member/Founder National
Development (IBCSD)
Indonesian Association of Green Building Experts Member National
(IABHI)
Indonesian Human Capital Forum (FHCI) Head of Division 1 Organization National
Development & Workforce
Planning (Director of Human
Capital & Compliance BNI)
Indonesian Banking Human Capital Forum (FHCPI) Member National
Corporate Social Responsibility (CSR) Forum Member National
About Sustainabiliy Report [2-2, 2-3, 2-4, 2-5]
Report Profile
BNI Sustainability Report is prepared annually Furthermore, this report is prepared to support
as a form of communication to all stakeholders. the information needs of stakeholders by
This report presents information related to the referencing ESG performance rating agencies
implementation of sustainable finance as well as such as Sustainalytics and Morgan Stanley Capital
performance in the fields of environment, social International (MSCI). The data and information
and governance (ESG). The data presented covers required for this report are provided by BNI’s head
the period from January 1 to December 31, 2024. office as well as all branches across Indonesia.
In the preparation process, this report refers to the In addition, the financial information disclosed
following rules and standards: includes consolidated financial data audited by
1. Otoritas Jasa Keuangan (OJK) Circular (SEOJK) an independent auditor, encompassing several of
No. 16/SEOJK.04/2021 concerning Form and BNI’s subsidiaries, namely PT BNI Life Insurance,
Content of Annual Reports and OJK Regulation PT BNI Multifinance, PT BNI Sekuritas and its
(POJK) no. 51/ POJK.03/2017 concerning the subsidiaries, BNI Remittance Ltd., PT BNI Modal
Implementation of Sustainable Finance for Ventura, and PT Bank Hibank Indonesia. Relevant
Financial Services Institutions, Issuers and work units are responsible for ensuring the
Public Companies; accuracy and verification of the submitted data.
2. Global Reporting Initiative (GRI) Standards
2021, in accordance to the GRI Standards; This Sustainability Report is also prepared
3. The GRI-G4 Financial Services Sector in accordance with the principles of balance,
supplementary indicator; comparability, accuracy, timeliness, clarity, and
4. Sustainability Accounting Standard Board reliability. However, we acknowledge the presence
(SASB) for Commercial Banking; of restated data, which has been adjusted to
5. Sustainable Banking Assessment (SUSBA) correct information from previous reporting
World Wide Fund for Nature (WWF); periods. These revisions are related to adjustments
6. Sustainable Development Goals (SDGs). in methodologies and the scope of certain data
7. ASEAN Corporate Governance Scorecard calculations.
(ACGS).
Sustainability Report 2024
24 PT Bank Negara Indonesia (Persero) Tbk
Page 25
The entire process of preparing this Sustainability Report is coordinated by the Enterprise Risk Management
Division. All data and information have been reviewed and validated by all divisions through a structured
process involving the maker, checker, and approver roles, conducted by the designated PICs of each
division/unit up to the Division/Unit Head level. The review mechanism includes:
• Data consignment and individual confirmation per division through both offline and online meetings.
• Division-specific interviews during the assurance process, facilitated by an independent party.
• Circulation of the Sustainability Report document to all Board of Directors members, who also serve
as members of the ESG Sub-Committee, as well as the Board of Commissioners, for final approval and
signature.
Sustainability Report Assurance [2-5]
In accordance with the Policy on Procurement of Goods and/or Services, BNI has appointed PT Sejahtera
Rambah Asia as an independent party to provide assurance for this report. The appointment is based
on the qualifications of the institution, which is registered with AA1000 and has extensive experience in
providing assurance services for sustainability reports in Indonesia.
The assurance aims to ensure that the quality of the report complies with sustainability reporting principles
and standards through data verification and confirmation from all contributing parties. The assurance
process adheres to the AA1000 Standards at moderate level and type 2 assurance. The assurance process
and the selection of the assurance provider were conducted independently to ensure no conflict of interest
between BNI and the appointed institution. The results of the assurance process are attached at the end
of this report.
More information about BNI can be found on our website.
For further information, input and suggestions for the
improvement and progress of this report, please contact:
Rayendra Minarsa Goenawan
Enterprise Risk Management Divison
PT Bank Negara Indonesia (Persero) Tbk
Grha BNI, 26th floor
Jl. Jenderal Sudirman Kav.1 Jakarta 10220 Indonesia
Phones : (62-21) 572 8544
Email : esg@bni.co.id
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 25
Page 26
Material Topics dan Issues
The material topics are determined based on issues and information of high significance during the
reporting period. In 2024, there were no changes in the material topics compared to the previous year;
however, there were additional significant issues identified. Adjustments to the material topics were made
by taking into account activities and issues with a significant impact throughout the year.
In the process of determining material topic priorities, we engaged both internal and external parties,
including academics, management, and independent observers. Internal BNI stakeholders involved in
this process, included employee representatives, Labor Union, and management who participated in
discussions to approve material topic priorities. Meanwhile, external stakeholders engaged comprised
representatives from customers, debtors, investors, Ministry of State-Owned Enterprises representing
shareholders and the government, OJK, media, suppliers, and community. This determination was also
guided by the principles of stakeholder engagement, sustainability context, materiality, and completeness.
Furthermore, factors influencing decision-making for the BNI and its stakeholders were identified through
a material topic 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 Assessment Priority Topics
sustainability context Conduct in- An analysis was carried out At the prioritization stage, BNI
Understanding the depth interviews on the positive and negative management will
process and distribute material impacts as well considering the risks,
BNI's business questionnaires to as the actual and potential opportunities, and challenges
activities stakeholders to explore impacts of the BNI's business related to economic, social,
to identify significant issues and processes. In addition, an and environmental aspects.
impact of business topics of concern to analysis was also carried out Furthermore, priority is given
activities. them. on the results of the issues to the most significant impacts
BNI also pays and topics identified using a of material topics to be
attention to the double materiality approach conveyed in the sustainability
reference of financial which considered: report. The ERM Division is
sector standards • financial materiality involved in discussions to
from GRI, SASB, towards value creation in determine material topics and
and SUSBA in this the future. subsequently presents them to
process. • material impact on the Board of Directors through
environmental, social, and a Board meeting attended by
economic aspects. the Directors and Permanent
Members of the ESG Sub-
Committee for final approval.
Each material topic has also been
integrated into BNI’s financial
List of Material Topics budget plan.
01 02 03 04
Data Security and Economic Green Portfolio Climate
Cybersecurity Performance Management Resilience
Sustainability Report 2024
26 PT Bank Negara Indonesia (Persero) Tbk
Page 27
Data security and Green Portfolio Management
Cybersecurity • Environmental loan policies
• Data security and customer • Environmental, social, and
privacy governance (ESG) risk
• Cyber risk management management
• Utilization of Artificial • Screening and monitoring of
Intelligence (AI) environment-related financing
• Digital innovation 01 03 • Energy transition and green
portfolio
Material Topics
and Significant
Issues [3-2]
02 04
Economic Performance Climate Resilience
• Support for a low-carbon • Climate-related governance
economy • Climate risk management strategies
• Economic value generated • Climate-related risk management
• Distributed economic value • Climate-related matrix and targets
• Tax • Calculation of GHG emissions from
financing
• Energy and emissions reduction
initiatives
Management Response to Prior Year Report Feedback
We sincerely appreciate the feedback provided by BNI has gradually followed up on stakeholders’
stakeholders and ESG rating agencies regarding the concerns regarding our sustainability
2023 Sustainability Report. performance. Going forward, BNI is committed
to continue to gradually improve the quality
Several areas highlighted for improvement in our of the report and fulfil information needs to
performance and reporting have been addressed in better respond to stakeholders’ expectations.
this report, including:
• Successfully conducting the material topic
determination process with the involvement of
external stakeholders;
• Fully adopting the Partnership for Carbon Accounting
Financials (PCAF) methodology and expanding the
scope of financed emissions calculations to include
all productive loan segments;
• Enhancing cybersecurity management;
• Strengthening climate risk management.
• Assessment of environmental and social aspects for
suppliers/vendors/contractors.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 27
Page 28
PILLAR
01
BNI FOR INDONESIA
“BNI consistently supports national economic
growth by seizing expansion opportunities
aligned with the government’s vision, such
as increasing gross domestic product (GDP),
alleviating poverty, and implementing sectoral
programs in infrastructure, energy and
food security, empowerment of small and
micro enterprises, as well as downstream
industrialization in agriculture, fisheries, and
housing sectors.”
Sustainability Report 2024
28 PT Bank Negara Indonesia (Persero) Tbk
Page 29
Sustainability Report 2024 PT Bank Negara Indonesia (Persero) Tbk 29
Page 30
Creating Simplicity through Digital Banking
BNI leverages technology to enhance inclusive and sustainable
financial services in the digital era. Through product innovation
and digital transformation, BNI focuses on operational
efficiency and profitability improvement. The digitalization of
services is tailored to customer needs, involves various work
units, and is supported by continuous system monitoring.
This approach ensures the reliability of BNI’s digital solutions,
delivering added value to customers and business partners.
Enhancing Customer Experience and Bank Competitiveness through
Digitalization
BNI’s digital transformation continues to progress Additionally, in 2024, BNI launched innovations
throughout 2024. BNI targeting operational such as the AI and NLP-based Digital Contact
efficiency, enhanced customer experience, and Center Application, enabling faster customer
sustainable business growth. Several digital interactions, and the “wondr by BNI” application,
technology integrations in BNI’s business include: which offers financial services in dimensions of
Insight, Transaction, and Growth. For business
customers, BNI has transformed the BNIdirect
digital platform to provide comprehensive
• Adjusting BNI outlet formats transaction solutions, including cash management,
to align with location and supply chain, global trade, foreign exchange, and
demographic characteristics; receivables, all within one integrated platform.
• Leveraging Artificial Intelligence (AI) BNIdirect features help businesses monitor their
and cloud technology; financial conditions in real-time, support faster
• Innovating digital platforms to and more accurate decision-making, and improve
provide the best services; operational efficiency.
• Supporting the digital business
transformation of other entities On the other hand, BNI collaborates with Bluebird
through strategic partnerships. by integrating the BNI API One Gate Payment. This
application facilitates transactions, monitors cash
flow, and enables real-time disbursement for over
20,000 partners. It also accelerates bill payments
BNI strengthens its digital transformation with and supports operational efficiency. This
AI and cloud technology to enhance operational collaboration creates added value and benefits
efficiency and competitiveness. These technologies for multiple stakeholders, aligning with BNI’s
support digital adaptation across various business commitment to providing adaptive and relevant
segments, such as MSMEs and corporations. digital banking services tailored to customer
AI is utilized for personalized services, fraud needs.
detection, and conversational banking, while
cloud technology enhances process efficiency and
employee productivity.
Sustainability Report 2024
30 PT Bank Negara Indonesia (Persero) Tbk
Page 31
Strengthening Profitability Through resource readiness for digital developments,
Digitalization and improve data monetization capabilities.
BNI has established a Long-Term Corporate Therefore, digitalization and productivity
Plan outlined in the Corporate Plan 2024-2028. enhancement are two key aspects of BNI’s
The development process of this Corporate Plan strategy, manifested through the optimization
involved nearly all of BNI’s leadership to ensure of the frontliner roles (Customer Service and
ownership from the initial stages of formulation Teller) in supporting marketing, strengthening
through to its implementation. After in-depth sales teams, and implementing a sales generalist
analysis and comprehensive discussions, model across all regional offices and branches.
considering the challenges, opportunities, and These efforts aim to provide optimal, responsive,
aspirations of stakeholders, BNI set its long-term and consistent service that meets customer needs
aspiration for 2028 to be “The Bank with the Best while developing digital services that support
Technology & People at the Core to Serve You.” customer journey.
This strategic direction will form the unique value
propositions that BNI will develop in the future, In 2024, the BNI launched a digital application for
with a focus on three key areas: Productivity, personal financial services, designed with the
Platform, and Proposition. latest technology platform, called wondr by BNI.
This application was launched on July 5, 2024,
Based on the Corporate Plan 2024-2028, the coinciding with BNI’s 78th anniversary. Developed
Company’s focus in 2024 is to continue improving through extensive research and following global
productivity through capability development, industry standards, this platform is designed to
role redesign, office network optimization, and be a game-changer for BNI and the Indonesian
analytics, as well as building and enhancing banking industry. By the end of 2024, wondr by
platforms to improve services and client BNI had been downloaded by more than 6 million
experiences. This focus is articulated through six times, with a registered user rate of 86.3% of the
key strategies for 2024: total downloads.
1. Expanding business with top-tier customers
by strengthening risk management. In October 2024, the Company launched new
2. Enhancing the digital platform to optimize features on BNIdirect, a digital platform designed
transactional banking and cross-selling, specifically for wholesale customers. This
focusing on sustainable growth in Asset Under service provides an integrated portal, including
Management (AUM), Current Account Savings cash management, trade, and bank guarantees,
Account (CASA), and Fee-Based Income (FBI). which has been utilized by 170 thousand users.
3. Strengthening the business network through Throughout 2024, the transaction volume reached
outlet optimization. Rp7,931 trillion, marking a 23.3% yoy increase.
4. Expanding the international business network
to support global market penetration. Digitalization has also extended to operational
5. Strengthening human capital and IT to improve aspects and services, such as digital account
productivity. opening through biometrics, digital loans, digital
6. Optimizing the BNI Group to strengthen the investments, digitalization of Agen46 (branchless
position of subsidiaries. banking), and the automation of other operational
aspects, along with the utilization of big data
Technological disruptions have brought changes through data analytics capabilities. To enhance
in customer preferences and introduced new the customer experience, BNI has also gradually
competition from digital banks and non-bank implemented digital transformation in its outlets.
financial service providers (fintech). To respond to This customer experience is developed through
this, the banking sector must become increasingly adjustments in the format of BNI outlets based
agile and adaptive, enhance system and human on digital technology, tailored to the location and
characteristics of each outlet.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 31
Page 32
The long-term digitalization strategy in this business area
will benefit the growth of BNI’s Current Account Savings Digital Banking Performance
Account (CASA) funding and drive revenue from fee-based
transactions. Operational digitalization brings advantages
such as automation of tasks, improved service levels,
and cost efficiency. Efficient management of general and
administrative (G&A) expenses enables the allocation of
budgets to more productive areas, such as IT development 191 T*
Transaction Volume
and human capital, which will create a multiplier effect on
BNI’s financial performance.
Digital transformation has become a key driver of BNI’s
positive performance in 2024. BNIdirect and wondr by BNI
have reaffirmed BNI’s commitment to strengthening its digital
services. BNIdirect is designed for the wholesale banking 1,495.4 T (23.0%)
segment, providing business customers with easy access to Transaction Volume
various services through a single integrated platform. wondr
by BNI has demonstrated significant growth, with 70% of
BNI’s savings account holders using the service. BNIdirect
also support BNI’s flagship product, Xpora, which focuses
on micro, small, and medium enterprises (MSMEs) with
23.3%
an export orientation. Xpora assists MSMEs in enhancing Transaction volume growth of BNIdirect
their business capacity and expanding their market to an
international level. Through the synergy of these services,
BNI continues to strengthen its position as a strategic partner
in the digital era, both for individuals and businesses.
18.0 T (16.7%)
Transaction Volume
*) There is no YoY comparison yet
because it was only launched in July 2024.
Sustainability Report 2024
32 PT Bank Negara Indonesia (Persero) Tbk
Page 33
Sustainable Finance Implementation
Material Topics:
• Economic Performance
• Green Portfolio Management
Our Approach [3-3]
BNI implements responsible banking practices with a focus on sustainable finance and
the management of environmental, social, and governance (ESG) aspects. Annually, BNI
sets targets to enhance its economic performance and green financing efforts. To achieve
these economic performance targets, BNI is undergoing a digital transformation and
strengthening its intermediation performance in alignment with national recovery. The
management of economic performance is overseen by Finance Director.
In terms of green portfolio management, BNI continues to strive towards increasing its green
portfolio and achieving environmental performance through green bonds in accordance
to POJK No.51 and Green Financing Internal Guidelines. BNI assesses potential borrowers
based on their management of ESG factors. The initial evaluation of ESG aspects during
the loan process is carried out in accordance with BNI’s established policies. This process
involves several divisions, including Corporate Banking, International, Enterprise Banking,
Commercial Banking, Institutional Banking, Syndication & Structured Finance, Retail
Productive Banking, Small Business & Program, and related credit risk divisions. Under
the management of the Enterprise Risk Management and Policy Governance divisions,
BNI manages its green portfolio and regularly evaluates its loan policies and relevant ESG
aspects, refer to POJK No.51 and POJK No.60 Amendment to POJK No.18. The Director of
Risk Management is responsible for overseeing the management of BNI’s green portfolio.
As a state-owned bank and a key driver of sustainable finance in Indonesia, BNI is
committed to continuously embedding sustainability principles, one of which is through
sustainable financing commitments. Based on monitoring and evaluation, BNI’s green
portfolio has reached Rp73.4 trillion, exceeding 2024 target of Rp71.2 trillion or 9.6% of
BNI’s total loan portfolio. BNI’s green financing covers various sectors, including new
and renewable energy of Rp13.0 trillion. Additionally, BNI has provided Rp2.3 trillion
in financing for environmentally friendly transportation and Rp32.4 trillion for natural
resource management and sustainable land use. Furthermore, operating income
increased to Rp64.5 trillion, increased by 2.8% from the previous year, with a net profit of
Rp21.5 trillion increased by 2.7%. As part of its efforts to support the energy transition, BNI
continues to distribute Sustainability-Linked Loans (SLLs), which reached Rp6.0 trillion.
In addition, BNI actively supports the implementation of Indonesia’s Sustainable Finance
Taxonomy as part of its commitment to achieving Indonesia’s net-zero emission goals.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 33
Page 34
Economic Performance
BNI’s economic performance in 2024 was positive.
BNI recorded improvements in net interest income
and non-interest income. BNI’s net profit reached
Rp21.5 trillion driven by recovering operating
income and well-maintained asset quality.
Economic Value Generated and Distributed (Rp Billion) [201-1]
Description 2024 2023 2022
a. Economic value generated
Interest income – net 40,480.2 41,275.7 41,320.6
Premium income - net 1,723.8 1,659.3 1,551.5
Other operating income 22,310.9 19,812.4 18,599.6
Total 64,514.9 62,747.4 61,471.7
b. Distributed economic value
Operating costs (exclude employee salaries) 23,820.9 24,140.3 26,117.0
Expenditure for employee salary and benefit 13,948.1 12,833.7 12,456.0
Dividend 10,454.7 7,324.8 2,724.6
Tax 4,911.1 4,533.5 4,204.9
Community investments 129.9 129.8 99.8
Total 53,264.7 48,962.1 45,602.3
c. Retained economic value (A-B) 11,250.2 13,785.3 15,869.4
BNI’s economic performance recorded an increase The provisions of Law No. 7 of 2021 Article 17
in operating income of Rp64,515 billion, achieving a paragraph (2b) concerning Harmonization of Tax
2.8% growth compared to the previous year, while Regulations stipulate that domestic taxpayers can
net profit amounted to Rp21,464 billion, marking obtain a Corporate Income Tax rate of 3% lower
a 2.7% growth from last year. A total of Rp53,264 than the rate of 22% if they meet the following
billion was allocated to stakeholders through requirements:
employee remuneration and benefits, dividends 1. It is a Publicly Listed Company;
for shareholders, taxes for the government, 2. At least 40% of its issued and paid-up shares
payments to local and non-local suppliers, as well are traded on the Indonesian Stock Exchange;
as donations and empowerment contributions. and
Throughout 2024, BNI did not receive any 3. It meets certain other requirements.
assistance from the government, whether in the
form of tax relief, subsidies, grants, royalties, cash
funds, or other incentives. [201-1]
Sustainability Report 2024
34 PT Bank Negara Indonesia (Persero) Tbk
Page 35
In line with these provisions, in 2024, BNI met The key stakeholder in taxation matters is the
the aforementioned requirements, and thus government through the tax authorities. BNI
the applicable tax rate used in the calculation of strives to maintain good relations with tax
Corporate Income Tax for 2024 is 19%. With the tax authorities, without engaging in public policy
incentive, BNI paid Rp4,134 billion in taxes to the advocacy related to taxation or other efforts to
government in 2024. [201-4] influence the tax authorities. BNI complies with all
regulations issued by the tax authorities. Further
BNI’s approach to tax compliance is rooted in details regarding taxation can be accessed in the
adherence to all applicable tax laws and regulations 2024 Annual Report and Consolidated Financial
issued by tax authorities. In its implementation, BNI Statements of BNI, published separately from this
has established a comprehensive and structured report. [207-1, 207-2, 207-3]
process, including the identification, management,
and monitoring of tax risks through continuous
monitoring and reconciliation. [207-1, 207-2]
Sustainability Portfolio
BNI’s commitment to sustainable finance is demonstrated through the integration of sustainability
principles in every step of its operations. In 2024, BNI has achieved a green portfolio of Rp73.4 trillion
with a target of Rp71.2 trillion, which covers around 9.6% of the total loan. BNI’s green loans portfolio
includes sectors such as new and renewable energy, environmentally friendly transportation, natural
resource management and sustainable land use, and other categories. As part of its support for the
energy transition, BNI continues to provide green financing through the issuance of Sustainability Linked
Loans (SLL), which recorded Rp6.0 trillion.
In addition, to support the growth of the real sector in Indonesia, BNI has disbursed loan to MSMEs.
By the end of 2024, the MSME portfolio reached Rp117.1 trillion. MSME financing is a key focus area of
sustainable finance practices in Indonesia, where the management of social aspects is closely tied to the
growth of MSMEs that absorb local labor, vulnerable groups, women’s empowerment, and marginalized
communities.
Loan Portfolio Based on Segment (Rp Billion) [FS6][FN-CB-000.B]
2024 2023 2022*
Segment
Total % Total % Total %
Corporate 440,959 56.8 374,203 53.8 323,044 50.0
Medium (Enterprise & 100,422 12.9 102,460 14.7 112,462 17.4
Commercial)
Small 75,752 9.8 84,892 12.2 97,210 15.0
Consumer 142,492 18.4 124,487 17.9 109,602 17.0
Subsidiaries 16,247 2.1 9,043 1.3 3,870 0.6
Total Loan 775,872 100.0 695,085 100.0 646,188 100.0
note:
*) Restatement due to adjustments to portfolio categories.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 35
Page 36
Loan Portfolio of Sustainable Financing (Rp Billion) [FS8]
2024 2023 2022
Description
Total % Total % Total %
a. Renewable energy 13,003 0.8 10,216 5.6 10,872 5.9
b. Energy efficiency 13,635 7.2 14,460 7.9 14,033 7.7
c. Pollution prevention and control 2,913 1.5 3,855 2.1 4,003 2.2
d. Natural resource management and sustainable 32,401 17.0 26,599 14.7 19,695 10.8
land use
e. Conservation of terrestrial and aquatic 0 0 0 0 26 0
biodiversity
f. Environmentally friendly transportation 2,333 1.2 2,317 1.3 2,020 1.1
g. Sustainable water and effluent management 897 0.5 572 0.3 314 0.2
h. Adaptation to climate change 0 0 0 0 0 0
i. Eco-efficient products 1,650 0.9 1,190 0.7 1,011 0.6
j. Green buildings that meet nationally, 4,522 2.4 5,620 3.1 7,394 4.0
regionally, and internationally recognized
standards or certification
k. Other environmentally friendly business 2,039 1.1 3,053 1.7 398 0.2
activities
Total Portfolio for Green Financing 73,393 38.5 67,882 37.5 59,769 32.7
l. MSME Activities 117,121 61.5 113,224 62.5 123,165 67.3
Total Portfolio for Sustainable Financing 190,514 100.0 181,106 100.0 182,934 100.0
Note: Data coverage is only from BNI as the parent entity that carries out banking activities.
Supporting Energy Transition Projects
Indonesia is currently developing various energy transition projects, one of which
is the utilization of renewable energy as a source for power generation. In 2024,
BNI financed several power plants using renewable energy, including a Wind
Power Plant with a capacity of 75 Megawatt peak (MWp) located in Sidrap, South
Sulawesi Province, and a Solar Power Plant with a capacity of 25 MWp located in
Karangasem, Bali Province.
Supporting the Use of Environmentally Friendly Transportation
The air quality index in major cities across Indonesia has become a public concern.
To contribute positively to improving the air quality index in the Jabodebek area,
BNI supports the use of environmentally friendly transportation by financing
the Jakarta-Bogor-Depok-Bekasi Integrated Rail Transit, which has a passenger
capacity of up to 500,000 passengers per day.
Sustainability Report 2024
36 PT Bank Negara Indonesia (Persero) Tbk
Page 37
Supporting Our Debtors to 3. A cement processing company has successfully
met its targeted carbon emission reduction. A
Achieve Sustainability Targets further evaluation of target achievements for
BNI launched the Sustainability Linked Loan (SLL),
the next period will be conducted alongside
directed to the debtors with sustainability targets
the issuance of the debtor’s Audited Financial
aligned with their business strategies. The SLL
Report.
is designed to encourage debtors to integrate
4. The assessment period for sustainability target
sustainability aspects into their operations,
achievements has not yet begun for companies
while also strengthening BNI’s role as a strategic
in the plastic goods and coal-based product
partner guiding debtors in their journey towards
industries.
sustainable business practices.
.
The requirements for obtaining SLL include Green Bonds
commitment, policies, strategies, and/or a Funds raised from the issuance of Green Bonds
measurable track record of sustainability will be exclusively used to finance or refinance
performance, as stated in the sustainability report, assets directly related to “Eligible Green Projects”
environmental monitoring report, or similar in accordance with the Green Bond Principles. BNI
documents; an SLL Framework document that has utilizes Green Bond funds to support business
received a Second Party Opinion (SPO) from an expansion, refinancing, and funding reprofiling,
accredited Independent Consultant, at a minimum considering the provisions of OJK Regulation
from BSN, KAN, or a recognized international 60/2017, which mandates that at least 70% of the
accreditation body; as well as Key Performance financing be allocated to green financing.
Indicators (KPI) and Sustainability Performance
Targets (SPT) outlined in the SLL Framework Green Bond Distribution
document. Allocation
Eligible Financed/ Amount
of
Category Refinanced Allocated
In 2024, BNI’s SLL recorded of Rp6,0 trillion. Proceeds
Additionally, BNI has monitored the achievement Renewable Refinanced Rp343 7.9%
of sustainability targets for debtors receiving SLL. Energy Billion
Several targets achieved in 2024 include: Environmentally Refinanced Rp2,317 53.1%
Friendly Billion
1. A steel processing company has implemented Transportation
a sustainability framework with a target of Green Buildings Refinanced Rp336 7.7%
improving its ESG Risk Rating. One debtor Billion
successfully reduced its ESG Risk Rating from Waste to Energy Refinanced Rp569 13.1%
37.2 (High Risk) to 35.2 (High Risk). Regular and Waste Billion
monitoring will continue to ensure further Management
improvements in the future. Sustainable Refinanced Rp798 18.3%
2. A livestock and food processing company Natural Billion
Resources and
has completed the construction of a Water
Land Use
Recycling Facility (WRF) in Parung, marking
the final milestone in achieving the target of Rp4,363
Total 100.0%
Billion
building nine WRF units as required under the
SPT for the 2022–2024 period. Source: Green Bond Report June 2024
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 37
Page 38
Micro, Small, and Medium Enterprises (MSMEs)
Loan [FN-CB-240a.1][FN-CB-240a.2]
MSME Portfolio KUR (Subsidized Micro Loan)
MSME growth has been a key driver of Indonesia’s and BNI Wirausaha (BNI
economic recovery. By the end of 2024,
outstanding MSME loan portfolio reached Rp117.1
Entrepreneur)
As an Agent of Development, BNI has had a
trillion, with 28.3% allocated to Subsidized Micro
positive impact on the local economy, particularly
Loans (KUR). Meanwhile, BNI Xpora’s total loan
by increasing access to finance for communities
portfolio amounted to Rp33.6 trillion, serving
and small businesses across various regions.
18,432 debtors, of which 4.6% was KUR focused on
BNI supports MSMEs through the Subsidized
export financing. In 2024, BNI Xpora successfully
Micro Loan (KUR) and BNI Wirausaha (BWU)
facilitated 44 thousand MSMEs in entering the
programs, offering loans ranging from Rp50
export market, marking a 0.2% increase from the
million to Rp1 billion, accessible at over 250 outlets
previous year. However, the export financing value
across Indonesia. In 2024, BNI is committed to
for MSMEs slightly declined from Rp33.9 trillion to
accelerating the disbursement of KUR and BWU,
Rp33.6 trillion.
providing services beyond regular working hours
for loan agreements and restructuring. The target
BNI has mapped out MSME financing, providing
for KUR disbursement in 2024 is Rp12 trillion,
an allocation for environmentally conscious
with a realization of Rp11.9 trillion or 99.3% of
MSMEs from Subsidized Micro Loan (KUR) and
the target by the end of the year. BNI also adopts
BNI Wirausaha (BWU), such as the BUMI Program
full digitalization in the loan process and utilizes
(BNI UMKM Ramah Lingkungan) (Rp38.9 billion),
technology for more accurate loan assessments.
followed by BNI Desa Digital Khatulistiwa (Rp18.6
billion), and the BNI Jejak Kopi Khatulistiwa
Program (Rp67.2 billion). Going forward, BNI hopes
to continue growing its green MSME financing
portfolio, contributing more significantly to the
achievement of a green economy.
Sustainability Report 2024
38 PT Bank Negara Indonesia (Persero) Tbk
Page 39
Towards Climate Resilience through Loan Management
Material Topic:
Climate Resilience
Our Approach [3-3]
BNI is committed to supporting Net Zero Emission (NZE) and climate resilience through
environmental management, both for internal banking operations and the environment.
BNI also has an ESG roadmap with targets for reducing greenhouse gas (GHG) emissions
and supporting NZE. This commitment is realized through the implementation of
sustainable finance. BNI has set a target for NZE by 2028 for operations and by 2060
for financing. This commitment is reflected in BNI’s green portfolio, which amounts to
Rp73.4 trillion, or approximately 9.6% of the total loan, contributing to the achievement
of a low-carbon economy in the future.
To strengthen the management of climate change risk, BNI reports the Climate Risk Stress
Test (CRST) to OJK, covering consumer property loans and six key sectors: electricity,
transportation and warehousing, construction, agriculture, manufacturing, and mining
and excavation. These sectors account for 50% of BNI’s total loan portfolio.
Besides, we also implement energy efficiency and emission reduction measures within
our operations. BNI consistently promotes energy efficiency and emission management
across all buildings and offices under its management. These activities are guided by he
Efficiency Implementation Stipulation No. JAL/2.2.1799, Lighting and Cooling Efficiency
No. JAL/3/3564, and the Use of AC Inverter for Electricity Cost Efficiency No. JAL/3/1317.
Climate-Related Financial Risk Analysis [201-2]
BNI’s operational activities do not have a direct impact on the environment or climate change. However, by
providing loan, we indirectly contribute to financing the emissions generated from our debtors. Therefore,
BNI manages its loan portfolio selectively, conducts ESG assessments, enhances green financing, reduces
greenhouse gas (GHG) emissions, and measures GHG emissions from its financing activities. BNI also
supports the UN Environment Programme Finance Initiative (UNEP FI).
BNI is preparing to implement IFRS S2 to effectively manage climate-related risks and opportunities
while integrating these considerations into its Financial Statements. To support this initiative, BNI has
developed a climate framework that encompasses governance, strategy, risk management, and metrics &
targets, ensuring alignment with IFRS S2 standards.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 39
Page 40
Initial Steps for Implementation (2023) Progress 2024
Governance
• The ESG performance management handled by ESG • BNI strengthens the organization of the ESG
Management Department, which is under the Enterprise Management Department through sharpening
Management Division, and it was established in June 2022 functions and adding work units to support the
based on Director Decree No. KP/218/R. strengthening of climate risk.
• The climate-related framework has the oversight of the
ESG Sub-Committee, comprising of the members of the
Board of Directors and BNI’s SEVP, which are also a part of
the Risk Management and Anti-Fraud Committee.
• Coordination and implementation of the climate
framework, the ESG Sub-Committee is assisted by the
Supporting Staff Group (SSG), which consists of leaders of
relevant divisions and departments.
• Monitoring and evaluation of climate risk mitigation is
conducted through regular meetings at least every three
months, or more frequently if needed.
• Monitoring results will be submitted to the ESG Sub-
Committee for decision making by the Board of Directors.
Strategy
• Developing sustainable products, such as green bonds, • BNI places itself as a debtor partner in the
SLL, environmentally oriented MSMEs, Green Financing, debtor's transition journey, through the BEST
Collaborating with strategic partners to issue sustainability Event program which encourages debtor
products for individuals, as well as Optimizing the saving awareness to start implementing the transition.
with trash program. • BNI implements educational programs
• Running energy efficiency programs in operational offices. for debtors to support the government's
• Running a nature-based solution program. transition program, one of which is through
• BNI coordinates with Subsidiaries to harmonize the the Indonesian Sustainable Finance Taxonomy
implementation of the ESG Framework and Net Zero (TKBI) Technical Workshop for energy sector
Roadmap in Subsidiaries. debtors.
Risk Management
• Building emission data infrastructure to monitor • Conducted CRST covering 50% of the loan
operational emissions across all offices. portfolio.
• Identify high emission sectors in the loan portfolio and • Development of CRST tools to assess climate
regulate financing through Loan Exposure Limit (LEL). risk on BNI financing.
• Strengthened risk acceptance criteria for 18 sectors. • Implementing the TKBI for energy sector
• Conducted climate risk stress test (CRST) for Coal, Palm debtors.
Oil, and Pulp & Paper sectors. • BNI implemented the strengthening of ESG
• Implemented Business Continuity Management (BCM) to aspects in the Risk Acceptance Criteria (RAC),
mitigate operational risks during disasters, with Emergency by adding aspects of human rights and HSE,
Response Plan (ERP) procedures. as well as climate change mitigation and
• Conduct physical risk assessment on debtors' collateral adaptation efforts in debtor operations.
by identifying flood risk and mitigating it through loss • BNI expanded RAC coverage from 18 sectors to
insurance. 22 sectors.
Sustainability Report 2024
40 PT Bank Negara Indonesia (Persero) Tbk
Page 41
Initial Steps for Implementation (2023) Progress 2024
Matrix and Target
NZE Financing NZE Financing
BNI calculates financing emissions of scope 3, covering BNI is sharpening the methodology and scope
90.1% of Corporate segment debtors, including International, of financing emission calculation. By 2024, BNI
Enterprise and Commercial loan portfolios, by adopting has fully utilized the PCAF methodology and
methods from the Partnership for Carbon Accounting calculated financing emissions covering 70.3% of
Financials (PCAF). BNI has identified the emissions generated the Corporate segment, including the International,
by financing based on the economic sector financed Enterprise, Commercial, and Retail Productive loan
and classified debtors into two categories: high and low portfolios at BNI.
emissions.
NZE Operational NZE Operational
BNI targets to measure operational emissions as a whole, BNI has measured operational emissions
covering scope 1 (fuel-diesel for generators and air comprehensively, covering scope 1 (fuel-diesel
conditioning freon), scope 2 (electricity usage at Head Office for generators and air conditioning freon, as well
and Regional/Branch Offices), and scope 3 (emissions from air as fuel-operational vehicles), scope 2 (electricity
and land travel for employees). usage at Head Office and regional/branch offices),
as well as scope 3 (air and land travel emissions
for employees).
BNI’s Support for Net Zero Emission [FN-CB-410b.1]
BNI is committed to reducing greenhouse gas (GHG) emissions
BNI by managing its loan portfolio, identifying high-emission sectors,
Net Zero Emissions and encouraging debtors to comply with ESG requirements while
Target transitioning toward sustainability. In 2024, BNI conducted GHG
BNI’s target is to emissions calculations from financing activities by adopting
achieve Operational NZE methodology from PCAF and expanding the scope to include the
by 2028 and Financing Retail Productive segment. The GHG emissions calculation from
NZE by 2060 financing in 2024 covered 70.3% of the Corporate, Enterprise,
Commercial, and Retail Productive loan portfolio, an increase from
67.9% in 2023. [FN-CB-410b.4]
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 41
Page 42
GHG Emissions from Financing Activities based on Loan Segment [305-3][FN-CB.410b.1, FN-CB-410b.2, FN-CB-410b.3]
GHG Emissions GHG Emissions
Outstanding Plafond
Segment (Tons CO2eq) (Tons CO2eq)
(Rp Billion)
2024 2023*
Corporate 319,231 27,532,032 21,039,857
Enterprise 26,744 2,269,614 2,064,871
Commercial 32,511 1,234,931 3,093,202
Total 378,486 31,036,577 26,197,929
Retail Productive 75,753 2,196,684 2,520,459
Grand Total 454,240 33,233,262 28,718,388
Notes:
*) Restatement of information due to changes in calculation methodology and expansion of coverage.
GHG Emissions from Financing Activities based on Business Sector [305-3][FN-CB.410b.1, FN-CB-410b.2, FN-CB-410b.3]
GHG Emissions GHG Emissions
Outstanding Plafond
Business Sector (Ton CO2eq) (Ton CO2eq)
(Rp Billion)
2024 2023*
Processing Industry 81,832 11,924,154 14,359,584
Trade 86,753 1,027,502 1,135,126
Mining 39,656 8,012,103 2,661,684
Transportation, Transportation 23,014 203,863 440,413
Support & Warehousing
Electricity, Gas, and Water 27,323 2,415,033 3,997,485
Agriculture, Forestry, & Fisheries 32,669 1,682,017 2,420,032
Real Estate 12,124 35,692 45,604
Construction 53,239 251,809 1,241,307
Other 97,631 7,681,088 2,417,153
Total 454.240 33.233.262 28.718.388
Notes:
*) Restatement of information due to changes in calculation methodology and expansion of coverage.
Sustainability Report 2024
42 PT Bank Negara Indonesia (Persero) Tbk
Page 43
Supporting the Government Targets through the Implementation of
CRMS and CRST[201-2] [FN-CB-550a.2]
The implementation of Climate Risk Management 5. Transportation and Warehousing
& Scenario Analysis (CRMS) for the banking sector 6. Manufacturing Industries (focusing on metal,
is a tangible support from the OJK in managing paper, chemical, and textile industries)
climate-related risks, while also contributing to the 7. Consumer and Property Financing
achievement of Indonesia’s Net Zero Emissions
(NZE) target by 2060. The banking sector plays a This process represents the initial step in
critical role in channeling low-carbon financing, in evaluating debtor risks from an environmental
line with government policies. BNI has committed perspective. The CRST calculation uses NGFS
to the carbon neutrality target by signing a NZE scenarios, including Net Zero 2050 (Orderly),
agreement with the OJK. Delayed Transition (Disorderly), and Current
Policies (Hot House World), with time horizons
BNI welcomes the launch of CRMS and supports for the years 2024, 2025, 2026, 2030, 2040, and
its implementation, as it aligns with the bank’s 2050. The measured risks include credit risk,
preparation for the implementation of IFRS S1 and operational risk, market risk, and liquidity risk. The
S2. As of the end of 2024, BNI’s preparations for CRST results indicate that climate risks affect the
CRMS implementation began with the following following sectors differently:
steps: 1. The Electricity, Gas, Steam/Hot Water, and Cold
• Development of CRST tools to assess climate Air Procurement sector is the most impacted by
risks on financial performance and the bank’s climate risks.
health. 2. Physical risks to Property Ownership Consumer
• Involving debtors in the submission of emission Credit are insignificant, but physical risks
data. significantly impact the Agriculture, Forestry,
• Adopting the Network for Greening the and Fisheries sector.
Financial System (NGFS) methodology for CRST 3. Climate risks affect the long-term CAR value
implementation. in 2050, with a decrease of 3.4%. However,
• Strengthening the ESG Management the CAR value remains at 18.5%, meeting the
Department by refining its functions and adding minimum CAR ratio in line with the risk profile
new units to support the enhancement of after the addition of capital buffers.
climate risk management.
• Enhancing internal understanding and capacity The follow-up actions for the CRST project are as
through training on the impact of climate risks follows:
on the bank’s portfolio. 1. Expanding the CRST calculation coverage to
100% of the productive loan portfolio.
Meanwhile, Climate Risk Stress Testing (CRST) is 2. Supporting debtors in developing and
a crucial component of the CRMS implementation. implementing transition plans towards
BNI has conducted CRST to assess the impact of more sustainable business practices, in line
climate risks on the bank’s portfolio in 2024. with carbon emission reduction targets and
adaptation to climate risks.
The CRST calculation covers 50% of BNI’s total 3. Systematically integrating climate risk aspects
loan portfolio, including six productive sectors into the loan analysis process, including the
and property ownership consumer loans, with the assessment of physical and transition risk
following details: impacts, to ensure the sustainability of the
1. Agriculture, Forestry, and Fisheries company’s loan portfolio.
2. Mining and Excavation
3. Electricity, Gas, Steam/Hot Water, and Cold Air
Procurement
4. Construction
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 43
Page 44
ESG Risk Management in Financing Activities
[FS1, FS2, FS3, FS10][FN-CB-410a.2]
BNI’s commitment to sustainable finance is reflected in its consistent implementation of ESG risk
management policies across all credit segments, including Corporate, Enterprise, Commercial, and
Retail Productive. By applying the prudential principle, the Risk Management Director, together with
the Credit Committee, is responsible for assessing risks associated with each financing activity. The
Credit Committee comprises authorized officials who oversee credit decisions at various levels. Every
loan disbursed is subject to regular monitoring, and approvals from the Credit Committee are obtained
through a periodic evaluation process, 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 • Priority in increasing portfolios outside potential disaster areas
associations (geographical, geological, hydrological and demographic)
Risk Acceptance Criteria
Business • RAC per Industrial Sector with “Appetite” risks
Acceptance
Pipeline • Perform strict RAC per incoming Industrial
Committee
monitoring Green portfolio Sector with “Limited/No Appetite” risks
flagging • Existing RACs take ESG aspects into account
ESG Aspects Management in Credit Approval Process
Business Unit Compliance Division Credit Administration Unit/
Conducts assessment Conducts C2R (Credit Compliance Review) Credit Operations Division
of identified risks and to ensure that credit processes comply Unit/ OPK Division (Credit
opportunities with all applicable regulations, including Operations)
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 analyses against debtors/prospective
conducts the identification, measurement, mitigation, debtors, covering all risks and risk mitigation
monitoring, and reporting function of the risks inherent in by considering the outcomes of the compliance
business activities by referring to the Industry Risk Rating test, then deciding whether to approve and/or
(IRR), Industry Risk Appetite (IRA), and Risk Acceptance refuse credit.
Criteria (RAC) established by the ERM Division. The
established stipulations have also taken ESG factors into
account.
Sustainability Report 2024
44 PT Bank Negara Indonesia (Persero) Tbk
Page 45
Before lending a loan to prospective debtors, BNI conducts a series
of loan approval assessment processes involving various related
functions. The Internal Audit Unit also plays a role in conducting
audits to evaluate the adequacy of the loan granting process, risk
management and internal control in each unit. In reviewing loan
proposals, we identify and monitor ESG risks.
ESG Risk Management Policy in Sectors with High Sustainability
Risk [FS11][FN-CB-410a.2, FN-CB-550a.2]
BNI has a sector guideline that regulates the minimum sustainability requirements that need to be met,
what is prohibited, and aspects that are encouraged for sustainability practices. Therefore, BNI has 4
sectors identified as having high risk related to ESG, which are palm oil, mining, construction and energy
sectors.
Some of the ESG risk assessment criteria required by BNI include:
Corporate and Enterprise Segment
In 2024, there are an additional 4 new sectors that have RAC, including coal mining, coal contracting,
wholesale trade, and retail trade.
Sector ESG Aspect Criteria
Oil Palm Plantation Oil Palm Plantation and Processing Industry:
and Processing • Have an environmental impact analysis (AMDAL) document and other environmental
Industry permits.
• No environmental or social disturbances in the last 5 years.
• Have an environmental management program (PROPER) document of at least the BLUE
category if it has been assessed.
• No forced labor or employment of minors.
Special additions for the Oil Palm Plantation Sector
• Have or are in the process of RSPO or ISPO certification.
• The possibility of building oil palm plantations for energy (dedicated area) is prioritized so
as not to interfere with food and export needs.
• Committed to implementing the No Deforestation, No Peat, and No Exploitation (NDPE)
policy in land clearing activities in accordance with applicable regulations.
• Priority is given to the company that has a strategy to reduce emissions and reduce negative
impacts on the environment and society.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 45
Page 46
Sector ESG Aspect Criteria
Metal Ore Mining BNI has entered the mining sector in a selected manner mainly to support infrastructure
development and other strategic development sectors.
Metal Ore Mining & Refiner Smelter:
• There is no bad news about violations of environmental regulations, both local and
international.
• Zero Accidents or at least work accidents in the last 3 years are prioritized. Workers have
used adequate Personal Protective Equipment (PPE), adhered to work SOPs, work training
& personal safety, occupational health and safety insurance, working in shifts.
Special additions for the Metal Ore Mining Sector:
• Meet the minimum BLUE PROPER (if it has been assessed) can be in the form of Central
PROPER or Regional PROPER.
• Has a dedicated team for reporting to the BoD to manage corporate social responsibility
issues.
• Priority is given to the company that has a strategy to reduce emissions and reduce negative
impacts on the environment and society.
• Priority is given to those who already have permits related to mining reclamation in
accordance with the conditions and potential of the area after mining.
• It has met or has a program that can be monitored for the fulfillment of the parameters of
environmental, social, and governance (ESG) qualitative factors set by BNI in accordance
with regulatory provisions.
Special additions to the Refiner Smelter Sector:
• Have received approval for environmental impact analysis (EIA), either by itself or through
business areas/areas.
• Comply with regulations on air pollution & noise including dust dispersion.
• Comply with regulations on water, sediment, and wastewater treatment and hazardous and
toxic waste management.
• Managing social and cultural impacts on local communities
• Wildlife conservation/ecological management of local habitats.
• Meet compliance with labor laws, both foreign and local workers.
• For smelters that use fossil fuel energy, priority is given to those who already have one or
more of the strategies below:
a. Energy transition; or
b. Emission reduction strategy; or
c. Strategies to reduce negative impacts on the environment.
Metal and Metal Ore • The goods/products sold do not come from mining or processing products that are legal/
Trade illegal.
• Partners/suppliers have no bad news about violations of environmental regulations, both
local and international.
Sustainability Report 2024
46 PT Bank Negara Indonesia (Persero) Tbk
Page 47
Sector ESG Aspect Criteria
Metal Industry • It has received approval for environmental impact analysis.
(Fabricator) • Raw materials do not come from mining products or processing that are legal/illegal.
• There is no bad news about violations of environmental regulations, both local and
international.
• Comply with regulations on air pollution & noise including dust dispersion.
• Comply with regulations on water, sediment and wastewater treatment.
• Comply with regulations on hazardous and toxic waste management.
• Managing social and cultural impacts on local communities.
• Wildlife conservation/ecological management of local habitats.
• Zero Accidents or at least work accidents in the last 3 years are prioritized. Workers have
used adequate PPE, adhered to work SOPs, work training & personal safety, occupational
health and safety insurance, working in shifts.
• For fabricators who use fossil fuel energy, priority is given to those who already have one
or more of the strategies below:
a. Energy transition; or
b. Emission reduction strategy; or
c. Strategies to reduce negative impacts on the environment.
General Toll Road Construction Sector & Civil Construction and Building Sector:
Construction • Comply with and comply with the regulations of the construction sub-sector, namely: land
and Toll Road use rights, employee occupational safety & health, minimizing pollution, minimizing the
Construction consequences of hazardous materials, and using/maintaining natural water sources.
• No social or environmental disturbances in the last 5 years (among others: no land grabbing
and reasonable land compensation).
• Comply with good corporate governance (GCG) rules.
• No forced labor or employment of minors.
• Priority is given to the company that has a strategy to reduce emissions and reduce negative
impacts on the environment and society.
Power • Already have an AMDAL or Environmental Management plan in accordance with regulations
in the electricity sector.
• Have a certificate or OHS management plan (for debtors or contractors).
• No social or environmental disturbances related to the project.
• Have met or have a program that can be monitored for the fulfillment of the ESG Qualitative
Factor Parameters set by BNI in accordance with regulatory provisions.
• For coal-fired power plant financing, priority is given to those who already have one or
more of the strategies below:
a. Energy transition; or
b. Emission reduction strategy; or
c. Strategies to reduce negative impacts on the environment.
Real Estate Recurring Real Estate & Non-Recurring Real Estate Sector:
• No social/environmental disturbances in the last 5 years that have had an impact on
business continuity.
• Conformity with regional spatial plans (RT & RW).
• Appropriate land use (suitability of land with its function based on the master plan of the
area/region), Basic Building Coefficient, Building Area Coefficient.
• Comply with and comply with real estate sub-sector regulations namely: land use rights,
employee occupational safety & health, minimizing pollution, minimizing the consequences
of hazardous materials, using/maintaining natural water sources, etc.
• Have an AMDAL or other environmental permits.
• No forced labor or employment of minors.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 47
Page 48
Sector ESG Aspect Criteria
Telecommunication Telecommunications Contractor Sector & Operator and Data Center Sector:
• No social/environmental disturbances in the last 3 years that have an impact on business
continuity.
• Meet the rules of GCG.
• Have a permit from the local government for the establishment of telecommunication
towers or other telecommunication infrastructure.
• Already have building development permits (IMB) or other permits that are equated with
IMB and AMDAL as well as other environment-related permits.
Special additions for the Operator and Data Center Sectors:
• Priority is given to the company that has a strategy to reduce emissions and reduce negative
impacts on the environment and society.
Chemical Industry • Minimum PROPER BLUE if it has been assessed.
• No social/environmental disturbances in the last 5 years that have an impact on business
continuity (for new companies refer to the business group).
• Have an AMDAL and other environmental permits.
• Have an Occupational Health and Safety Certificate.
• Have waste management management in accordance with applicable regulations.
• No forced labor or employment of minors.
Cement Industry • Meets the minimum BLUE PROPER.
• No social/environmental disturbances in the last 5 years that have had a significant impact
on business continuity or the cessation of business operations.
• Comply with GCG.
• It has received AMDAL approval, either through its own permit or through area I of the
business area.
• There is no bad news about violations of environmental regulations, both local and
international.
• Comply with regulations on air pollution & noise, including dust dispersion.
• Comply with regulations on water, sediment and wastewater treatment.
• Comply with regulations on hazardous and toxic waste management.
• Managing social and cultural impacts on local communities.
• Wildlife conservation/ecological management of local habitats.
• Meet compliance with labor laws, both foreign and local workers.
• Zero Accidents or Minimum work accidents in the last 3 years are prioritized. Workers have
used adequate PPE, adhered to work SOPs, work training & personal safety, occupational
health and safety insurance, working in shifts.
• For factories that use fossil fuel energy, priority is given to those who already have one or
more of the strategies below:
a. Energy transition; or
b. Emission reduction strategy; or
c. Strategies to reduce negative impacts on the environment.
• No forced labor or employment of minors.
Fast Moving • The company has an AMDAL or other environmental permit.
Consumer Goods • The company has Health, Occupational Safety, and Environment.
(FMCG) • Comply with applicable regulations and permits according to the type of business.
• No social or environmental disturbances in the last 5 years that have had an impact on
business continuity.
• No forced labor or employment of minors.
Sustainability Report 2024
48 PT Bank Negara Indonesia (Persero) Tbk
Page 49
Sector ESG Aspect Criteria
Hospital • ISO 14001 on sustainable environmental management systems.
• No social/environmental disturbances in the last 5 years that have had an impact on
business continuity.
• There is no news of malpractice that has an impact on business continuity.
• Have a hospital waste management unit in accordance with government regulations
Pharmacy • No social/environmental disturbances in the last 5 years that have had an impact on
business sustainability.
• There has never been news of fatal side effects of drugs manufactured or sold.
• Meet the requirements that have been set by regulators, including AMDAL or other
environmental permits.
• Have waste management management in accordance with applicable regulations.
• No forced labor or employment of minors.
Wholesale Trade • No social/environmental disturbances in the last 5 years that have had an impact on
business sustainability.
• There has never been any news of fatal side effects of the products being sold.
Retail Trade • No social/environmental disturbances in the last 5 years that have had an impact on
business sustainability.
• There has never been any news of fatal side effects of the products being sold.
• No forced labor or employment of minors.
Coal Mining • Meet the minimum BLUE PROPER (if it has been assessed) can be in the form of Central
PROPER or Regional PROPER.
• Has a dedicated team for reporting to the BoD to manage corporate social responsibility
issues.
• There is no negative information about violations of environmental and social regulations
locally and internationally in the last 3 years.
• It has met or has a program that can be monitored for the fulfillment of the parameters of
ESG qualitative factors set by BNI in accordance with regulatory provisions.
• Zero Accidents or Minimum work accidents in the last 3 years are prioritized. Workers have
used adequate Personal Protective Equipment (PPE), adhered to work SOPs, work training
& personal safety, occupational health and safety insurance, working in shifts.
• Priority is given to the company that has a strategy to reduce emissions and reduce negative
impacts on the environment and society.
• Priority is given to those who already have permits related to mining reclamation in
accordance with the conditions and potential of the area after mining.
Mining Contractor • There have been no social/environmental disturbances in the last 3 years that have an
Services impact on business continuity.
• Meet the rules of GCG.
• Zero Accidents or Minimum work accidents in the last 3 years are prioritized. Workers have
used adequate PPE, adhered to work SOPs, work training & personal safety, occupational
health and safety insurance, working in shifts.
• Priority is given to the company that has a strategy to reduce emissions and reduce negative
impacts on the environment and society.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 49
Page 50
On the other hand, BNI categorized oil and gas sector as a limited appetite industry with selective financing.
Although the RAC criteria are not specifically categorized, financing priority is given to major players with
above average industry performance, ESG management policies, and significant contribution to national
production and mineral reserves, especially those in the top 10 in Indonesia. The majority of oil and gas
companies financed are engaged in the mid-stream and downstream (raw material processing) industries.
Commercial Segment
In 2024, there are additional sectors that will be implemented in 2025, namely general processing industry,
general services, retail trade, fuel distributors, four-wheeled or two-wheeled vehicle dealers, palm oil
mills, and recurring real estate.
Sector ESG Aspect Criteria
General Trade • No social and environmental disturbances in the last 3 years that have had an
impact on business continuity.
• No products are illegal, the products sold have distribution permits/according
to applicable standards, etc.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
General Processing Industry • No social and environmental disturbances in the last 3 years that have had an
impact on business continuity.
• Have an AMDAL license and environment-related licensing or similar licensing
in accordance with the business sector.
• Implementing occupational safety and health.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
General Services • No social and environmental disturbances in the last 3 years that have had an
impact on business continuity.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Export Import Trade • No social and environmental disturbances in the last 3 years that have had an
impact on business continuity.
• There has never been any news of fatal side effects of the products being sold.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Sustainability Report 2024
50 PT Bank Negara Indonesia (Persero) Tbk
Page 51
Sector ESG Aspect Criteria
Chemical, Rubber, and Plastic • No social and environmental disturbances in the last 3 years that have had an
Industries impact on business continuity.
• Have an AMDAL and other environmental permits.
• Implementing occupational safety and health.
• Have waste management management in accordance with applicable
regulations.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Accommodation Provider • No social and environmental disturbances in the last 4 years that have had an
impact on business continuity.
• Conformity with the regional spatial plan.
• Appropriate land use (suitability of land with its function based on the master
plan of the area/region), Basic Building Coefficient, Building Area Coefficient.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Transportation • No social and environmental disturbances in the last 3 years that have had an
impact on business continuity.
Fuel Distributor
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Oil Palm Plantation (Upstream) • Have an ISPO/RSPO certificate or are in the process of ISPO/RSPO certification.
• No social and environmental disturbances in the last 5 years that have had an
impact on business continuity.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
• Have an AMDAL and other environmental permits.
• No forced labor or employment of minors.
• Committed to implementing the No Deforestation, No Peat, and No Exploitation
(NDPE) policy in land clearing activities in accordance with applicable
regulations.
• Priority is given to the company that has a strategy to reduce emissions and
reduce negative impacts on the environment and society.
• The garden area is not in a conservation area, is not in dispute, and does not
exceed the concession zone.
Rental Business Services • No social and environmental disturbances in the last 4 years that have had an
impact on business contiunity.
• Comply with and comply with regulations, namely: employee occupational
safety & health, minimizing pollution, minimizing the consequences of
hazardous materials, using/maintaining natural water sources, etc.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 51
Page 52
Sector ESG Aspect Criteria
Hospital • No social and environmental disturbances in the last 4 years that have had an
impact on business continuity.
• There is no news of malpractice that has an impact on business continuity.
• Have a hospital waste management unit in accordance with government
regulations.
• Not employing child labor.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Construction • No social and environmental disturbances in the last 4 years that have had an
impact on business continuity.
• Comply with and comply with the regulations of the construction sub-sector,
namely: land use rights, employee occupational safety & health, minimizing
pollution, minimizing the consequences of hazardous materials, using/
maintaining natural water sources, etc.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Domestic Wholesale • No social and environmental disturbances in the last 3 years that have had an
impact on business continuity.
• There has never been any news of fatal side effects of the products being sold.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Retail Business • No social and environmental disturbances in the last 3 years that have had an
impact on business continuity.
• There has never been any news of fatal side effects of the products being sold.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Four-Wheeled or Two-Wheeled • No social and environmental disturbances in the last 3 years that have had an
Vehicle Dealers impact on business continuity.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Food and Beverage Industry • No social and environmental disturbances in the last 3 years that have had an
impact on business continuity.
• The company has an AMDAL or other environmental permit.
• The company has Safety, Occupational Health & Environment.
• Comply with applicable regulations and permits according to the type of
business.
• Not employing child labor.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Sustainability Report 2024
52 PT Bank Negara Indonesia (Persero) Tbk
Page 53
Sector ESG Aspect Criteria
Palm Oil Mill • No social and environmental disturbances in the last 7 years that have impacted
business continuity.
• Have an AMDAL and other environmental permits.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
• The garden area is not in a conservation area, is not in dispute, and does not
exceed the concession zone.
Real Estate Recurring • No social and environmental disturbances in the last 5 years that impacted the
business continuity.
• Conformity with the regional spatial plan.
• Appropriate land use (suitability of land with its function based on the master
plan of the area/region), Basic Building Coefficient, Building Area Coefficient.
• Comply with and comply with real estate sub-sector regulations, namely:
land use rights, occupational safety & health of employees, minimizing
the consequences of hazardous materials, using/maintaining natural water
sources, etc.
• Have an AMDAL or other environmental permits.
• No forced labor or employment of minors.
• The company is not in the process of a legal case/involved in a legal case that
may affect business continuity (including those for which there has not been
an inkracht decision).
Retail Productive Segment
Sector ESG Aspect Criteria
Domestic Wholesale
Retail Business
Food and Beverage Processing
Industry
No social/environmental disturbances in the last 2 years that impacted the
Chemical Industry business continuity.
Import Export Trade
Public Transportation
Oil Palm Plantation (Upstream) • The planting area is not in the peatland area and or forest conservation.
• No social/environmental disturbances in the last 5 years that have had an
impact on business continuity.
• No negative news or issues related to burning or encroachment in land
clearing.
Construction • No social/environmental disturbances in the last 4 years that have had an
impact on business continuity.
• Comply with and comply with the regulations of the construction sub-sector,
namely: land use rights, employee occupational safety & health, minimizing
pollution, minimizing the consequences of hazardous materials, using/
maintaining natural water sources, etc.
Accommodation Providers • No social/environmental disturbances in the last 3 years that have had an
impact on business continuity.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 53
Page 54
Financing Exclusion List BNI encourages the implementation of the
BNI does not provide financing to business Indonesian Taxonomy of Sustainable Finance
activities identified as being involved in the (TKBI) by OJK, through active participation as a
following: Focus Group Discussion (FGD) participant during
1. Prohibited by the government the TKBI preparation process to BNI’s efforts in
2. Illegal logging. encouraging debtors to understand and conduct
3. Forced labor, child exploitation, human rights assessments based on TKBI. The real action taken
violations. by BNI was through the organization of the BEST
4. Violation of community rights. Event with the topic “Energy Sectors Foresight
5. Prohibited by the government if destroying to Encounter Indonesian Sustainable Finance
world heritage sites. Taxonomy (TKBI)” on September 24, 2024 and the
6. Sale and production of narcotics. TKBI Technical Workshop on December 11, 2024.
7. Manufacture and sale of weapons. These activities invited energy sector debtors. BNI
8. Gambling and money laundering. has reported the TKBI assessment of energy sector
9. Trade in protected animals. debtors to OJK for the period of September 2024.
10. Terrorism financing.
Environmental Risk Management Ownership of Environmental Aspect Management
Certificate by Debtor [FS11]
in Loan Portfolio [FS8] Total
Certificate of Sustainable
Environmental risks can affect climate change if not
Principles 2024 2023 2022
handled properly. For this reason, BNI has tightened
supervision of environmental risks in financing, RSPO/ISPO 49 49 33
taking into account industry risk appetite and risk The process of obtaining 17 9 36
acceptance criteria to prevent damage such as RSPO/ISPO
deforestation, pollution, and loss of biodiversity. PROPER Red 1 0 0
BNI also maps debtors’ environmental risks based
PROPER Blue 59 50 52
on the Indonesian Green Taxonomy (THI), and
PROPER Green 5 5 6
requires ownership of environmental certificates
according to industry, such as RSPO and ISPO for PROPER Gold 9 11 7
palm oil, environmental management program Timber Legality 15 16 5
(PROPER) for the power generation, manufacturing Verification System (SVLK)
and mining sectors, as well as other certifications
such as FSC and ISO 14001. In 2024, one BNI debtor received a PROPER Red
rating due to being in the process of revising
Classification of Indonesian Green Taxonomy the environmental management and monitoring
Debtors (THI) Based on Debit Tray [FS10] documents (UKL-UPL) The follow-up actions taken
Composition Debtor were:
THI Indicator* of Debtors Composition 1. The debtor has obtained approval for
2024* 2023 environmental management documents from
Green 37.6% 25.7% the Central Java Provincial Government’s
Environmental and Forestry Agency on
Transition 46.5% 37.1%
September 4, 2024.
Does not meet the 15.9% 12.4%
2. Monitoring the improvement of PROPER rating
classification
status.
Doesn't have a N/A 24.8%
category yet
*) Adjustment of the THI category in 2024 in accordance with OJK Letter
No. S-149/PB.21/2024.
Sustainability Report 2024
54 PT Bank Negara Indonesia (Persero) Tbk
Page 55
Debtors ESG Assessment violation is permanent and has a major impact, the
handling will be carried out by the relevant unit
Oversight [FS3, FS9] and submitted to the authorized Credit Committee,
The Company Credit Guidelines (PP) for
in accordance with the applicable loan limit.
Bank Lending in the Corporate, Enterprise,
Commercial, and Retail Productive Segments,
In accordance with the Company’s guidelines
as well as the PP for Organic Consumer Lending,
and loan policies, BNI continues to comply with
encompass loan policies applicable to each loan
regulations related to debtors or prospective
segment. BNI oversees compliance with payment
debtors who are suspected or proven to have
accuracy, business prospects, and the financial
issues concerning ESG aspects. Efforts undertaken
condition of debtors. The implementation of
include:
prudential principles includes loan monitoring
• The Business Unit and Risk Unit verify the
policies, regular audits and portfolio monitoring,
alleged ESG issues involving the debtor and
management of non-performing loans, and loan
existing or prospective loans.
restructuring.
• The Business Unit and Risk Unit, together
with relevant divisions, conduct intensive
The Internal Audit Unit has conducted audits of
communication and coordination with debtors
debtors whose businesses have the potential to
and relevant external parties as a follow-up to
have a negative impact on the environment. During
alleged ESG issues.
the reporting period, audits were conducted on
• The Business Unit and Risk Unit deeply analyze
55 Corporate and Commercial segment debtors,
the impact of ESG issues on the debtor, including
including those from the transportation sector,
financial performance, repayment ability and
chemical industry, cement industry, man-
reputation, as well as the impact on BNI, such
made fiber industry, construction, real estate,
as securing collateral assets, reputation and
telecommunications, electrical energy, oil & gas,
potential legal issues.
FMCG, and oil palm plantations. In carrying out
• BNI may request assistance or cooperate with
the audit process, the Internal Audit Unit prepares
external parties who have the competence and
an Audit and Consultation Plan (RAT) which
independence to handle the issue.
is conducted through a risk-based audit (RBA)
approach.
Based on the results of verification, communication,
intensive coordination and in-depth analysis, BNI
Escalation Process of Non- will take follow-up steps in accordance with the
Performing Loan Handling on provisions of the loan agreement and applicable
regulations, among others:
ESG Aspects
• Giving a time limit to the debtor to resolve the
The implementation of ESG aspects by debtors/
ESG issue if the debtor is deemed capable of
potential debtors and their compliance with
resolving it.
all relevant regulations has become one of the
• Impose fines or increase interest rates, if the
factors in loan analysis and monitoring. If there
ESG problem has the potential to materially
are indications of problems and violations of ESG
harm BNI.
aspects, an analysis will be carried out to evaluate
• Temporarily suspend or deactivate loan facilities
the causes and potential impact on the loan that
for debtors, or delay/stop the loan application
will and has been granted.
process for prospective debtors until there is
certainty or resolution of ESG issues.
If the violation is temporary and the impact is low,
• Requesting the debtor to settle or pay off the
we will assist the debtor to meet the requirements
loan facility.
again, handled by a related unit. However, if the
• Take other actions based on the results of BNI’s
analysis or recommendations from external
parties.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 55
Page 56
Responsibility for Financial Products and/or Services
Products/Services That Have Positive and Negative Impacts of
Been Evaluated for Customer Sustainable Financial Products/
Safety [417-1][FS15] Services
BNI ensures that 100% of financial products and BNI always evaluates the impacts and risks before
services launched have gone through a thorough launching a new financial product or service. Each
security evaluation. This effort reflects BNI’s product or service is designed to minimize ESG risks and
commitment to protecting customer privacy negative impacts, while maximizing positive benefits.
through the Privacy Notice which can be accessed Examples of sustainable finance products/services
on BNI’s official website. The evaluation involves with positive impacts include Green Financing,
several divisions, including the Compliance BNI UMKM Ramah Lingkungan (BUMI), Jejak Kopi
Division to ensure compliance with regulations; Khatulistiwa, SLL, and energy transition financing.
Legal Division to analyze legal risks; Enterprise
Risk Management Division for risk mitigation; Financial inclusion programs, such as saving
Operational Risk Management Division for with waste, play an important role in increasing
operational risk mitigation; Internal Audit Unit environmental awareness among students and
to conduct an independent review of products the community. BNI Agen46, which has reached
related to BNI’s electronic channel by providing an underdeveloped, frontier, and outermost (3T) regions,
opinion on the characteristics of the product and also strengthens banking access for people who have
the adequacy of IT system security related to the difficulty accessing these services. In addition, digital
product as well as compliance with the provisions banking products and services bring challenges
of laws and regulations and/or best practices that related to risks, such as data security, customer
meet international standards; and the IT Unit to privacy, and potential cybercrime. For this reason,
examine operational aspects, technology, and BNI also ensures the use of reliable IT infrastructure
conduct a Post Implementation Review (PIR). to strengthen the data security system.
The results of the PIR will determine the next Employee Training on Consumer
steps; if deficiencies are found, improvements
will be made and the PIR will be conducted again.
Financial Protection
BNI has conducted training on consumer financial
Products and services that qualify in terms of
protection covering various topics, including
operations, technology, and risk will be approved
Consumer & Community Protection, Identifying
by Bank Indonesia and OJK before being launched
Suspicious Financial Transactions, Mastering
to the public. By 2024, no new financial products
Financial Literacy to Enhance Transaction Security,
or services from BNI received complaints or be
PDP Implementation: Privacy Awareness and Data
recalled after release.
Protection, and Business Ethics, with an average
frequency of three sessions per employee.
The training aims to enhance employees’
understanding of the importance of providing clear
and accurate information about financial products
and ensuring that sales processes are conducted
honestly and transparently. This initiative seeks
to foster a service culture focused on consumer
interests and protection.
Sustainability Report 2024
56 PT Bank Negara Indonesia (Persero) Tbk
Page 57
Fair Operating Practices and Fair Competition
[2-23, 2-27, 206-1, 415-1, FS15][FN-CB-510a.1]
BNI implements fair operational practices by In addition, BNI maintains the sustainability
complying with laws, regulations, social norms of the value chain in related sectors, from HR
and codes of ethics. This commitment is reflected management to product development, services
in the management of intellectual assets, fair and information technology, while taking into
relationships with stakeholders and the avoidance account issues of human rights, customer privacy
of conflicts of interest with suppliers, competitors and environmental preservation. In 2024, BNI
or related parties. We also uphold anti-corruption, was not involved in any criminal or civil cases,
anti-bribery and anti-fraud principles in the and was not subject to sanctions or fines related
work environment, as well as complying with to violations of fair competition practices. BNI
antitrust laws and promoting fair competition. BNI also has no involvement in politics, either in the
maintains a trusting relationship with partners and form of contributions of money or goods, either
suppliers in accordance with the code of conducts, directly or indirectly, and all BNI employees are
and integrity pact. not members of political parties. In addition, BNI
has implemented policies and procedures for the
Fair operating practices involve and are the provision of healthy funds by implementing good
responsibility of the relevant divisions in corporate governance and avoiding conflicts of
accordance with their respective duties and interest.
authorities.
The fair operation policy includes the anti-corruption policy and the policy on
fulfilling debtor rights, which can be accessed on BNI’s website:
(https://www.bni.co.id/id-id/perseroan/tata-kelola/panduan-kebijakan).
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 57
Page 58
PILLAR
02
BNI FOR CUSTOMERS
“As part of its digital transformation
efforts and commitment to providing
equitable banking services, BNI continues
to innovate by adapting the format of digital
outlets based on the specific needs and
characteristics of each location. Furthermore,
BNI extends its reach to the Underdeveloped,
Frontier, and Outermost (3T) regions through
BNI Agen46, ensuring access to banking
services for communities throughout
Indonesia.”
Sustainability Report 2024
58 PT Bank Negara Indonesia (Persero) Tbk
Page 59
Sustainability Report 2024 PT Bank Negara Indonesia (Persero) Tbk 59
Page 60
Data Security System and Customer Privacy
Protection [FN-CB-230a.2]
Material Topic:
Data Security and Cyber Security
Our Approach [3-3]
In facing the digital transformation, BNI continues to develop digital banking services
to enhance customer experience. However, technological advancements also bring
challenges, particularly regarding data security and customer privacy protection from
cybercrime threats. Therefore, BNI is committed to managing these risks and ensuring that
data protection efforts are part of respecting human rights.
BNI continues to strengthen its technology infrastructure and digital innovation, focusing
on data analytics, customer experience, and expanding collaborations. This is executed
in conjunction with strengthening data security management systems. We also comply
with Customer Privacy Protection regulations, such as OJK Regulation No. 1/OJK.07/2013
and Law No. 27 of 2022 on Personal Data Protection. OJK Regulation No. 22 of 2023 on
Consumer and Public Data Protection in the Financial Services Sector, and BI Regulation
No. 3 of 2023 on Consumer Protection by Bank Indonesia.
BNI’s primary commitment is to prevent data breaches. Data security and customer privacy
are the responsibility of the Chief Information Security Officer (CISO) Division, under the
supervision of the Director of Technology and Operations (DIR TOP). Additionally, BNI also
has a Technology Management Committee responsible for providing recommendations to
the Board of Directors regarding information technology policy and strategy development.
BNI is also committed to protecting customers’ personal data throughout personal data
processing at BNI to guarantee the rights of personal data subjects.
The results of monitoring and evaluation in 2024 regarding data security and customer
privacy showed that BNI did not face any complaints pertaining to data breaches or data
violations. Additionally, there were no complaints regarding misuse of customer data by
third parties. [FN-CB-230a.1]
Sustainability Report 2024
60 PT Bank Negara Indonesia (Persero) Tbk
Page 61
Data Security Management System [417-1]
To ensure customer data security, BNI implements a a Cyber Security Incident Response Team
multi-layered security system covering three main (CSIRT) that proactively handles all internal
aspects: people, process, and technology. In terms security incidents.
of people, BNI continuously improves employee 2. Identifying suspicious activities and cyber-
knowledge and awareness regarding information attacks, including conducting threat hunting
security through various channels, such as and taking down fake websites impersonating
behind-the-scenes sessions, internal bulletins, BNI. As a preventive measure to reduce fraud
and the Company’s digital platform. Additionally, risk, the Cyber Threat Intelligence Team will
BNI educates customers about the importance of report suspicious transaction activities from
information security through branch officers, social debit cards suspected of entering their data on
media, text messages, and the official website. BNI fake websites.
regularly conducts evaluations and inspections to 3. Educating employees and customers about
ensure effective customer data security measures. information security to raise awareness of
BNI also invests resources to develop technology security risks and encourage safe practices such
capable of securing information for both the Bank as not sharing passwords and PINs. The bni.
and its customers. co.id website also provides transaction security
tips for BNI e-Banking services, including
The implementation of the data security Internet Banking, ATMs, SMS Banking, Mobile
management system at BNI involves the following Banking, and wondr by BNI.
activities: 4. BNI has a Fraud Detection System (FDS) to
1. Establishing a reliable security system through monitor suspicious transactions through debit
a Security Operation Center (SoC), which cards, credit cards, and e-channels, ensuring
provides 24/7 active monitoring to quickly customer comfort and security.
and efficiently detect security threats. This 5. Regular security audits are conducted to
monitoring includes security on Endpoints, assess system effectiveness and identify areas
Networks, Applications, and Servers. Each needing improvement.
mitigated incident is reported along with its 6. Integrating data protection in product and
analysis results, used as a learning tool and a service development by involving data security
basis for future improvements. BNI also has and privacy teams to ensure compliance with
applicable standards and regulations.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 61
Page 62
7. Implementing a Data Loss Prevention (DLP) Raising Customer Awareness
system as a perimeter protection to prevent BNI continues to enhance customer awareness
credential theft and unauthorized access to to prevent data breaches and cybercrime. In
confidential data. line with OJK’s directives, BNI actively educates
8. Implementing Endpoint Detection and its customers about data protection through
Response (EDR) to monitor endpoint activity in various channels, both offline and online. BNI
real-time and respond to security incidents and also promotes the importance of data security to
potential threats. its customers and urges them to keep personal
9. Applying Network Access Control (NAC) information such as transaction PINs and OTPs
to enhance network access control and confidential, and to immediately contact the call
management, preventing unauthorized access, center if a card is lost, stolen, or there are any
and ensuring connected devices meet BNI irregularities in transactions.
standards.
10. Using encryption technology to protect
internal and customer data from potential
Personal Data Protection
BNI maintain confidentiality and protects
threats, ensuring stored and transmitted data
customers’ personal data by complying with
security, and keeping information safe from
regulatory laws and internal policies, including
unauthorized parties.
prohibiting the disclosure of customer data to
11. Every new product, application, or service
third parties without the customer’s consent and/
development at BNI undergoes a Software
or other processing grounds as stipulated by law.
Development Life Cycle (SDLC) that includes
BNI also has a policy that grants customers the
comprehensive security stages, such as
right to access, correct, withdraw consent, request
security and risk assessments, design reviews,
deletion, or update their data.
code reviews, configuration checks, and
penetration testing.
In implementing Personal Data Protection, BNI
12. BNI conducts security assessments to identify
applies data protection measures in accordance
security gaps or vulnerabilities in applications
with the Personal Data Protection Law (UU PDP) and
through activities such as Penetration Testing,
accommodates the personal data processing cycle
Vulnerability Assessment, and Application
within BNI’s scope. The collection of customers’
Security Testing (SAST, DAST).
personal data in product and/or service activities
is ensured to have the appropriate legal basis for
Additionally, BNI invests in ensuring a high level
processing, whether through customer consent,
of security in managing internal information
contractual relationships, or compliance with legal
and protecting customer interests. By adopting
obligations based on applicable regulations.
cybersecurity frameworks and international
standards such as ISO 27001 and NIST (Identify,
The disclosure or transfer of customer data to
Protect, Detect, Respond, Recover), BNI maintains
third parties (including but not limited to vendors,
the reliability of its digital systems. In 2024, there
consultants, business partners, and counterparties)
were no complaints related to privacy breaches or
may be carried out by BNI, provided that it has
customer data loss. [418-1]
the appropriate legal basis for processing. BNI
ensures that all data processing is conducted
exclusively and in a limited manner. Further,
processing of personal data within BNI is carried
out in accordance with customer preferences,
behavior, and segmentation, particularly for
targeted product marketing.
Sustainability Report 2024
62 PT Bank Negara Indonesia (Persero) Tbk
Page 63
Customer consent is obtained through various BNI implements data protection policies through
available BNI channels, including the nearest various standards and procedures, including:
Branch Office, wondr by BNI app, BNI Mobile • Data Security Standards Based on Classification
Banking app, and DigiCS. BNI also provides a • Data Classification and Security Procedures
Privacy Notice to inform how customers’ personal • Technical Guidelines for Data Classification and
data is collected, used, and processed, which can Security
be accessed via the link: https://www.bni.co.id/en- • Standard Encryption Procedures
us/personal/pemberitahuan-privasi. • Endpoint Device Security Procedures
• Application Security Standards
The storage of customers’ personal data, whether • API Access Security Standards
in hardcopy or digital/softcopy format, is carried • Security and Information Management
out with restricted access and secured following Procedures in Collaboration with Third Parties
BNI’s internal policies on technology security. To • Company Data/Information/Document
ensure the fulfillment of data subjects’ rights, BNI Dissemination Security Procedures
provides customers with access to view, correct, • Data/Information Security Procedures (Data
withdraw consent, request deletion, or update Loss Prevention - DLP)
their data, in accordance with the applicable laws
and regulations.
BNI is committed to storing and managing Users’
Personal Data with the best protection for as long
as necessary as part of our services. Additionally,
BNI will process Users’ Personal Data while they
remain customers or users of banking services.
Furthermore, Users’ Personal Data will be retained
for 5 years after the termination of the cooperative
relationship with the User or for a longer period
if such retention is required or mandated by
applicable regulations (“Retention Period”).
BNI can delete and/or destroy User’s Personal
Data from the system so that the data no longer
identifies the User, except in cases where:
1. It is necessary to retain Personal Data to fulfill
legal obligations, future proof requirements,
taxes, audits, and accounting.
2. The Personal Data is still within the retention
period based on prevailing laws and regulations.
3. When destroying Personal Data, BNI will take
reasonable standard actions to destroy, delete,
and make the data practically irrecoverable. The
method of destruction depends on the type of
Personal Data, as well as how it was collected
and stored.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 63
Page 64
BNI also protects customer data by raising employee awareness in handling complaints related to
financial data. Additionally, the Bank provides financial protection and consumer data protection training
to permanent and contract employees as needed in 2024, with topics including:
Delivery Method Topic
In-Class Learning • Control Objectives for Information and Related Technologies 2019 (COBIT 2019).
• Cyber Security for Auditors.
• Data Quality Awareness.
• How To Improve Customer Experience in the Brevet Management Course (BMC)
Program.
• Implementation of Governance, Risk Management, & Compliance (GRC).
• Identification of Suspicious Financial Transactions.
• ISO 27001:2022 Information Security Management System Lead Auditor and Lead
Implementer.
• Implementation of Anti-Money Laundering and Counter-Terrorism Financing (APU
PPT) and Prevention of Criminal Acts in the Financial Sector (PPPSPM).
• Record of Processing Activities (ROPA).
• Socialization of Customer Protection Implementation in the Financial Services
Sector.
• Public Information Openness Socialization and Education (KIP).
• Training & Certified Cloud Security Professional (CCSP).
• Training & Certified Data Privacy Solution Engineer (CDPSE).
• Training & Certified Ethical Hacker (CEH).
• Training & Certified Information Security Manager (CISM).
• Training & Certified Information System Auditor (CISA).
• Transparency and Public Information Openness in Consumer and Community
Protection Implementation.
• Consumer Protection Training for the Officer Development Program (ODP).
e-Learning Mandatory • Anti-Money Laundering.
• Security Awareness.
Webinar • Advanced Risk Management in Global Finance.
• Smart and Wise Personal Financial Management.
• Cyber Security Insights and Strategies for a Safer Tomorrow.
• Early Warning Systems: Detecting and Preventing Liquidity Risks.
• Security Awareness: Human Firewall.
• Enhancing Transaction Security through Literacy.
• Implementation of the Personal Data Protection Act (PDP) at BNI.
• Socialization of Personal Data Protection (PDP): Privacy Data and Data Protection
Awareness.
• Governance, Risk & Compliance (GRC) Series: Risk Mitigation through Cyber
Security Strategies.
Kuis Harian/Daily Exercise for • Consumer and Community Protection Refreshment
Employee Program (DEEP 46) • Personal Data Protection (PDP) Refreshment: Awareness of Privacy Data and Data
Protection.
• Refreshment on Risk Awareness for Consumer, Productive, and Retail Credit.
• Security Awareness Refreshment.
• Cyber Security Refreshment.
Sustainability Report 2024
64 PT Bank Negara Indonesia (Persero) Tbk
Page 65
Data Usage for Third-Party Data Protection of Suppliers and
Interests Business Partners
In certain circumstances, BNI has internal The data security management system also
regulations that provide each customer with encompasses BNI’s supply chain, including
the right to control their personal data. When supplier and business partner data, whether
opening an account, the application form includes individual personal data, company information,
a provision requiring the prospective customer’s or transactions conducted. The e-procurement
consent for BNI to share their personal with third system used is equipped with IT infrastructure
parties (authorized institutions) when necessary. that ensures data security, covering transactions
The provision of data to third parties (authorized and work contracts. If suppliers or partners
institutions) includes but is not limited to tax have accounts at BNI, their personal data will be
purposes, criminal and civil cases, investigations protected in accordance with applicable personal
of criminal offences in the capital market data protection regulations.
sector, corruption cases under KPK (Corruption
Eradication Commission), as well as terrorism In implementing the Personal Data Protection
and money laundering cases. The implementation Law, particularly as a measure to protect the
of providing such personal data refers to the personal data of BNI and third parties (including
regulations governing bank secrecy disclosure. but not limited to vendors, consultants, business
Currently, the provisions regarding customer data partners, and counterparties), BNI has established
are under review to align with the Personal Data agreements (clauses) regarding personal data
Protection Law. processing. These agreements accommodate
both controller-to-controller and processor-to-
With the Customer’s consent, BNI may share the controller relationships and can be applied in
User’s personal information within its Group of every contractual engagement between BNI and
Businesses, and/or third parties collaborating any party.
with BNI and/or the Group of Businesses for the
purpose of executing the Bank’s business activities
(business partners), for predetermined purposes.
BNI may also forward the User’s Personal Data to
financial supervisory institutions, legal entities,
authorities, or the Government in accordance
with applicable legal regulations. BNI has
implemented personal data protection measures
that are reviewed periodically from time to time
to ensure the security of the user’s personal data
and to ensure users can exercise their rights
as Personal Data Subjects in accordance with
applicable regulations. BNI also conducts periodic
monitoring of the implementation of customer
consent requests.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 65
Page 66
Cyber Security
Cybersecurity Governance and
Management System
BNI’s efforts to achieve cybersecurity include BNI also conducts cybersecurity management
adopting the NIST Cybersecurity Framework to system assessments on third parties collaborating
ensure business resilience against such threats with the bank. These assessments are coordinated
and maintain operational continuity. Reactive with BSSN, Bank Indonesia, OJK, Himbara,
measures taken include detecting attacks, Perbanas, and international cybersecurity
conducting investigations, and recovering systems. consultants.
Additionally, BNI holds ISO 27001:2013 certification
for Open API services and CSIRT certification No. Cybersecurity Internal Training
345/CSIRT.01.03/BSSN/04/2024 from BSSN, which In addition to strengthening security systems, BNI
ensures that the information security management provides training for employees, particularly in the
system is audited every three years and ensures IT Division, focusing on technology development
that IT software development complies with and data security. In 2024, 33 employees
international standards. participated in hard skill training in areas such
as cloud security, data privacy, devsecops, and
To mitigate data breaches, BNI continuously ethical hacking, ISO27001:2022 Information
enhances service digitalization (customer to Security Management System for Lead Auditor &
system, employee to system) to reduce reliance Lead Implementer, Certified Information Security
on physical documents in human interactions. Auditor (CISA) Training, Certified Information
At each endpoint, the Bank enhances security by Security Manager (CISM) Training, and Certified
performing hardening, integrating with the domain, Information System Security Professional (CISSP)
installing antivirus software, using data security Training. These certifications are awarded to IT
tools, monitoring endpoint activities, managing personnel to enhance their competencies and
network access, and implementing workstation gain recognition. BNI also offers soft skill training,
monitoring applications. These measures aim to including digital leadership and communication.
strengthen customer information security. Some of these certifications include: Certified
Cloud Security Professional (CCSP), Certified
BNI routinely conducts information security Data Privacy Solution Engineer (CDPSE), Certified
audits and cybersecurity self-assessments by the Ethical Hacker (CEH), Certified Information
Internal Audit Division (IAD) annually to evaluate Security Manager (CISM), Certified Information
the effectiveness of security system management. System Auditor (CISA), Certified ISO 27001:2022
In 2024, an audit was conducted on the payment Information Security Management System for
system and communication network, involving Lead Auditor & Lead Implementer.
external parties through a co-sourcing audit
mechanism. Cybersecurity oversight is also
executed and evaluated by the Chief Information
Security Officer (CISO) Division, which operates
under the direct supervision of the Director of
Technology & Operations.
Sustainability Report 2024
66 PT Bank Negara Indonesia (Persero) Tbk
Page 67
Consumer Financial Protection
BNI allocates investments to develop and Consumer Financial Protection
implement technology to safeguard the Bank’s
internal information security and protect customer
Strategy
Through Directors’ Decree No. KP/136/DIR/R dated
data, including:
April 12, 2023, BNI has undertaken various efforts
• Debit and credit cards now fully use chips with
to ensure the financial protection of customers,
contactless features.
while also meeting the provisions of POJK No.
• Introduced Forced PIN, a feature requiring
22 of 2022 and 2023. One of the efforts made is
customers to change their PIN before
conducting 8 training, socialization, or education
transacting. There are two types of Forced
related to protection and the community for
PINs: Selected Forced PIN, where cards flagged
diverse audiences, both internal and external,
as potentially fraudulent require PIN change
such as the Board of Commissioners, Directors,
before transactions, and Periodic Forced PIN,
and BNI staff; government; students; Indonesian
which mandates customers to regularly change
Migrant Workers (PMI) and diaspora; as well as the
their PINs at ATMs.
community. The training topics provided include a
• Enhanced fraud detection system utilizing
Talkshow on Customer Protection Implementation
advanced technologies such as machine
to Improve Customer Experience, Financial
learning and artificial intelligence to detect
Education and Literacy, as well as Customer
transactions that deviate from normal activity
Protection Awareness, and the Socialization
patterns, aiming to expedite fraud identification.
of Consumer Protection Implementation and
Awareness. Through this socialization and
education, BNI hopes to enhance the audience’s
understanding and awareness regarding the
importance of financial security.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 67
Page 68
Innovation and Development of Products and/or Services
Innovation and Development of Positive Impact of Digitalization
Sustainable Financial Products The advancement of digital transformation has
yielded a significant positive impact on both
and/or Services bank operations and customer experiences.
Throughout 2024, BNI continued to innovate in the
The implementation of digital banking reduces
digital banking space by enhancing the BNI mobile
dependency on physical documents and paper
banking offerings and launching several advanced
usage, contributing to reduced carbon emissions
technologies, including the launch of a super app
and waste. Additionally, digital transactions enable
that integrates various services, making it more
customers to conduct transactions independently,
convenient for customers to access financial
saving time and increasing efficiency. This also
transactions, investments, insurance, and other
mitigates the risk of data breaches that can occur
services within a single app namely wondr by BNI.
through paper transaction receipts
The ‘wondr by BNI’ application is designed to offer
Digital banking also supports personal financial
a more comprehensive and user-friendly banking
management by making it easier for customers
service, featuring innovative functionalities that
to track expenses, create budgets, and monitor
include daily transactions, personal financial
investments. Moreover, digitalization enhances
summaries, as well as financial products such
customers’ trust in the bank, expands market
as investments and savings. This application
share, and improves operational efficiency. With
also introduces the concept of “3 Dimensions of
reduced physical operational costs, BNI is able to
Finance (Insight, Transaction, Growth)” in financial
provide faster and cheaper services, support the
management, thus providing a more integrated
continuity of market transactions, and reduce the
banking experience for customers. In developing
risk of losing cash funds.
this application, BNI has adopted the latest
technology, built social security, and conducted
thorough validation directly with the target
customer segments.
Additionally, BNI has enhanced transaction
services by adopting advanced technologies such
as machine learning and artificial intelligence (AI) to
improve fraud detection and accelerate transaction
processes. BNI has also introduced new security
features, such as chip-based debit cards, replacing
magnetic stripe cards to enhance card security.
The bank is also focused on improving customer
experience through higher digitalization, reducing
reliance on physical documents in transactions.
These innovations reflect BNI’s commitment
to maintaining a competitive edge in the ever-
evolving digital banking world.
Sustainability Report 2024
68 PT Bank Negara Indonesia (Persero) Tbk
Page 69
Response to Customers and Respect for Human Rights
[2-23]
Equal Services [FS15]
In terms of service, BNI provides excellent and equal • Encouraging cross-sector collaboration, such as
service to all types of customers, both individuals in agribusiness, education, and healthcare, to
and corporations, while respecting customers’ provide financial solutions that support specific
human rights in their interactions. BNI’s services market segment needs.
are divided into two main aspects: direct service • Providing financial products that support
from employees to customers and the continually environmentally friendly projects or sustainable
evolving performance of digital banking services. businesses.
To achieve optimal service, BNI implements • Reducing the operational carbon footprint by
several strategies, including improving customer utilizing digital services to replace paper-based
service quality through employee training, utilizing processes.
the latest technology for easier transactions, and
focusing on a more efficient and secure customer In line with the sustainable development goals
experience. BNI’s service strategies include: in Indonesia, we are also implementing broader
• Presenting comprehensive, integrated, high- services. BNI, as a state-owned enterprise, has
quality, trustworthy, and reliable financial been mandated as a global bank and continues
products/services. to carry out digital transformation gradually
• Providing a “one-stop solution” service for by adjusting the format of BNI outlets based
business and individual customers that is easily on digital solutions tailored to the location and
accessible and offers added value. characteristics of outlets in various regions
• Delivering product and service quality that across Indonesia. BNI’s commitment to reaching
meets the best standards. customers in remote areas is also realized through
• BNI enhances the quality of human resources BNI Agen46, which serves the Outermost, Frontier,
through continuous training and development, and Underdeveloped (3T) regions, ensuring equal
improving employees’ ability to provide access to banking services throughout Indonesia.
excellent and satisfactory service to customers. [FS15]
• Proactively adjusting and improving according
to the evolving needs and expectations of Banking Services for People
customers towards the quality of BNI’s products/
services.
with Disabilities [FS14, FS15]
Equal service is also experienced by customers
• Implementing equal service for all customers
with special needs. BNI provides the best customer
and practicing a service culture that goes
experience, including for individuals with
beyond just offering services.
disabilities, by offering accessible services such as
• Enhancing security systems across all networks
disability-friendly ATMs, which are equipped with
and digital features.
headphones and Braille buttons. Currently, there
• Offering personalized service options tailored
are 2,715 disability-friendly ATMs spread across
to the demographics and needs of individual
381 districts or cities throughout Indonesia, as well
and business customers.
as in international branches in Singapore and Hong
• Establishing partnerships with fintech,
Kong. Additionally, access routes to the Banking
e-commerce, and other digital platforms
Hall and ATM Galleries have been prepared for
to expand customer access to a more
wheelchair users.
comprehensive and interconnected financial
ecosystem.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 69
Page 70
Accessibility and Affordability
Access to Product and Service Information
BNI focuses on enhancing the accessibility of its financial products and services, both digital and
conventional, by expanding its geographical coverage. The bank has successfully reached all regions
of Indonesia, including the 3T regions, as well as seven other countries, to ensure customers can easily
access services in various locations.
BNI continues to develop digital and financial products and services to meet customer needs and keep
abreast of industry developments. In this regard, BNI actively conveys information about products and
services for marketing, customer education, and increasing transparency in accordance with the Financial
Services Sector Consumer Protection Regulation (POJK No. 22 of 2023). Every product or service launched
has received approval from the regulator and has undergone risk management reviews, compliance
testing, and other supporting analyses.
Information about BNI’s products and services is presented clearly and understandably and is published
through various channels, such as BNI branches, BNI Agen46, print media, electronic media, social media,
BNI Mobile Banking, wondr by BNI, and the website. BNI also provides consultation services through BNI
Call and other digital channels, such as BNI WhatsApp Business and the BNI Virtual Assistant, which are
accessible via the internet to meet further information needs of customers.
Access to Branch Locations and
Banking Service Facilities
With advancements in digital technology, BNI
17
Regional
banking services are now accessible through 197 Office (KW)
physical channels and various digital channels. 1,583 Branch
Customers can utilize BNI services via Android/iOS Office
Sub-Branch
(KC)
smartphones, SMS, or using a PC/Laptop with a 20 Office
web browser. This accessibility enables customers Commercial (KCP)
26
to access services anytime and anywhere, Business 12 Retail
providing ease and convenience in transactions. Center (CMC) Consumer Loan
Productive
Processing Center
Business
(LNC)
Center (RCC)
50 330
Payment
DigiCS
Point (PP)
192
Armanda O-Branch 213,370
(Mobile Cash BNI Agen46
Service)
13,388
ATM*/CRM
*ATM includes ATM cash withdrawals and cash deposits
Sustainability Report 2024
70 PT Bank Negara Indonesia (Persero) Tbk
Page 71
Access and Responsible Marketing Communication Policies [417-1, 417-2, 417-3]
BNI is committed to providing accurate, honest, BNI upholds transparency and ethics in every
and transparent information about its products marketing communication activity. As a
and services to all stakeholders. This information manifestation of this commitment, BNI ensures
is accessible through various channels, whether that the information published is accurate,
directly through frontliners at branch offices, honest, and free from misleading elements or
sales/relationship officers, or through various content related to ethnicity, religion, race, and
marketing media. In conducting marketing intergroup issues. In 2024, there is an issue that
communication activities, BNI prioritizes has raised concern among regulators regarding
consumer protection and public interest, while non-compliance with marketing communication,
adhering to sustainability principles. service information, and product labelling. BNI
has followed up on this matter to ensure that it
The marketing communication policy of BNI does not occur again. To support the effectiveness
is based on a comprehensive framework that of transparent and responsible communication,
includes internal guidelines such as the Corporate BNI continuously invests in enhancing the
Regulations for Working Procedures of Marketing competencies of the Marketing Communication
Management & Consumer Retail Portfolio Division; Management (MCM) Division through various
Integrated Marketing Communication; Event capacity development programs. These programs
Management; Sponsorship; and Advertising. include training and seminars, such as Media
Additionally, BNI adheres to external regulations, Day, participation in the Asia Pacific Media Forum
including the Financial Services Advertising (APMF) 2024, and specific training such as Level
Guidelines – Third Amendment – October 2020 Up Your Media & Event Management, Digital
published by OJK. This ensures accountability Marketing & Brand Management in Banking, and
and compliance with prevailing standards. Elevating the Social Media Presence.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 71
Page 72
Handling Customer Complaints [2-25]
BNI wholeheartedly welcomes every complaint, Customers can submit their complaints through
criticism, and feedback from customers as an effort the Call Center, Branch Offices, or other official BNI
to maintain transparency and improve service Digital Services such as social media, WhatsApp,
quality. Follow-up on customer complaints is the website, email, and Tanya BNI on the BNI Mobile
conducted in accordance with the Service Level Banking application. All received complaints will
Agreement (SLA), with resolutions for verbal be managed and their resolution monitored by the
complaints being completed no later than 5 working Customer Experience Center Division under the
days, while written complaints are resolved no supervision of the Director of Network & Services.
later than 10 working days from the time complete
documentation is received, which can be extended
for another 10 working days if necessary.
Media for BNI Customer Complaint
Customer contacts BNI Call Customer visits
Domestic: 1500046 the nearest BNI
Overseas: +62 21 30500046 branch
Oral
Customer sends: Customer visits the
• X: @BNI and @ www.bni.co.id website in
BNICustomerCare the Chat With Us menu
• Facebook: BNI
• IG: @bni46 Customer files a complaint via:
• Email: bnicall@bni.co.id • Ask BNI on BNI Mobile
Written Banking
Customer visits • BNI Call Virtual Assistant
the nearest BNI branch • BNI Whatsapp
+62 811-5881-946
In terms of no agreement being reached between BNI and the customer regarding the resolution of a
complaint, the customer may settle the dispute outside of court or through court proceedings. Dispute
resolution in the financial services sector outside of court is conducted through the Financial Services
Sector Alternative Dispute Resolution Institution (LAPS SJK).
Customer Complaint Mechanism and Resolution
01 CUSTOMER
files a
complaint
02 03 04 05 06 07
If necessary,
Assigning Informing the Informing the
Registering Following up on inform the
registration number complaint complaint
complaint the complaint notification for
to the complaint resolution result resolution result
BNI time extension
OFFICER
Sustainability Report 2024
72 PT Bank Negara Indonesia (Persero) Tbk
Page 73
To enhance customer experience through easy One of the business process improvements made
and fast complaint handling, BNI uses a customer in 2024, is the acceleration of the SLA for com-
journey application integrated with all touchpoints plaint resolution across 5 categories, including BNI
(omnichannel) so that data from customers ATMs, non-BNI ATMs, Pension Fund Financial In-
contacting BNI through any media can be viewed stitutions (DPLK), Agen46, and bill payments.
in one application. Through this application, all
complaints are recorded, followed up, and their The Customer Experience Center also handles
resolutions monitored. The application can also and resolves complaints submitted by customers
send automatic notifications to customers once through regulators such as the Consumer Pro-
their complaints have been resolved. tection Portal Application (APPK) owned by OJK.
Furthermore, BNI periodically reports the handling
Number of Complaints and Percentage of of complaints related to financial matters to Bank
Resolution Indonesia through the Antasena application and to
Persentase OJK through the siPeduli application.
Jumlah Keluhan
Tahun Penyelesaian
Keluhan Diselesaikan
(%)
2024 630,263 630,228 99.9
Governance Oversight of
2023 743,044 743,044 99.9
Complaint Resolution
The performance of customer complaint
2022 549,863 548,928 99.8
management at BNI is subject to oversight by the
Board of Directors and Commissioners, where the
BNI has received numerous inquiries from cus-
Customer Experience Center must report to them
tomers throughout 2024, which include product
in the context of Consumer Protection. Reports to
and service information (68.2%), requests/changes
the Board of Directors and Commissioners related
to data (20.6%), complaints (8.8%), and transac-
to customer complaints within the context of
tions (2.3%). In 2024, the number of complaints de-
Consumer Protection are conducted at least twice
creased by 15.2% compared to the previous year.
a year before being reported to Bank Indonesia
To reduce customer complaints, BNI has improved
and OJK.
business processes, enhanced service quality, and
consistently educated customers on banking solu-
In addition to Consumer Protection, the
tions, safe transaction tips, and staying alert to
performance of customer complaint management
banking crime schemes as part of consumer pro-
also serves as an indicator of the reputation risk
tection activities. Consumer protection outreach
profile criteria, which is directly the responsibility
and education are regularly conducted by BNI
of the Board of Directors and Commissioners of
through both online and offline media, with par-
Bank BNI. Meetings of the Board of Commissioners
ticipation from BNI’s Directors in providing these
and Directors to discuss the reputation risk profile
outreach and education efforts.
are routinely held at least four times a year.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 73
Page 74
Customer Satisfaction
Survey
4.28 4.26 4.27
2024 2023 2022
CSS Score (Scale of 1-5)
To identify and measure the quality of services
provided to customers, BNI periodically conducts
a Customer Satisfaction Survey (CSS). This survey
consists of two evaluation aspects:
1. Business Satisfaction Survey (BSS). This survey
is conducted with customers or debtors from
the Business Banking segment (Corporates,
Medium, Small) and Consumer Retail (Emerald
and Non-Emerald). The survey evaluates
customer satisfaction based on the 7P aspects:
product, price, place, promotion, people,
process, and physical environment.
2. User Satisfaction Survey (USS) is a survey
conducted internally within BNI to measure
satisfaction levels regarding the performance
of services provided by Divisions/Units/
Functional Units. It also serves as insight for
improving service quality in each surveyed unit.
The evaluation aspects of this survey include:
coordination, communication, cooperation;
work results/output; work processes;
commitment/SLA; employees; and provision of
data/information.
Through these surveys, BNI gains deeper insights
into customer satisfaction levels from both external
(customers or debtor) and internal (employees)
perspectives to improve and develop services. In
2024, The CSS score of BNI improved compared to
last year, rising from 4.26 to 4.28 on a scale of 1-5.
Sustainability Report 2024
74 PT Bank Negara Indonesia (Persero) Tbk
Page 75
Sustainability Report 2024 PT Bank Negara Indonesia (Persero) Tbk 75
Page 76
PILLAR
03
BNI FOR
T HE ENVIRONMENT
“BNI operations do not directly harm
the environment. However, we are
committed to enhancing employees’
awareness towards eco-friendly
behavior through various initiatives
to achieve green banking. We had
provided green financing to a particular
sector and started managing climate
risk. While internally, BNI also focuses
on saving energy, water, and paper;
managing office waste as well as
reducing GHG emissions.”
Sustainability Report 2024
76 PT Bank Negara Indonesia (Persero) Tbk
Page 77
Sustainability Report 2024 PT Bank Negara Indonesia (Persero) Tbk 77
Page 78
Green Banking
Policies and Internal Initiatives
BNI’s commitment to the environment is • BNI WWF, is a credit card issued in
demonstrated through the green banking collaboration with Worldwide Fund for Nature
implementation which also supports the Indonesia (WWF Indonesia). Using BNI WWF
Sustainable Development Goals (SDGs). BNI’s for transactions, customers have indirectly
green banking implementation encompasses donated to success WWF Indonesia’s mission
diverse initiatives that embody internal and of promoting preservation, restoration, and
external aspects. ecosystem and biodiversity management
programs in Indonesia.
The environmental costs in 2024 totaled Rp7.2 • BNI American Express Vibe, is a credit card
billion, allocated to various environmental made from recycled plastic.
initiatives and conservation efforts. 5. Constructing a new building in PIK 2 by
implementing the Green Building Certification
The following are the internal green banking from the Leadership in Energy and
initiatives: Environmental Design (LEED).
1. Ensuring efficiency in the use of energy, water, 6. Organizing training relating to emissions and
and paper as well as managing waste and climate risk management.
reducing emissions. 7. Implementing the Green Building certification
2. Fostering a culture of environmentally friendly from the Green Building Council Indonesia
behavior among employees. (GBCI) in Menara BNI and Plaza BNI buildings.
3. Implementing environmental awareness 8. Adding the commitment of environmental
as outlined in the Company’s Guidelines and social aspects in the integrity pact during
on Environmentally-friendly Living, by the selection process of prospective vendors/
communicating it to all units. suppliers.
4. Offering 2 types of credit card products that 9. Boosting employees’ awareness to the
support the green banking initiatives, which environment through the Employee
are: Volunteering Program, such as planting trees
and other activities.
Sustainability Report 2024
78 PT Bank Negara Indonesia (Persero) Tbk
Page 79
Products Designed for Environmental Preservation
Endeavors in preserving the environment are realized by collaborating with other parties to launch a
series of environmentally friendly credit cards. Several of such collaborations are as follows:
Environmentally-friendly Credit Cards
New CIF Sales (Rp Billion)
Types of Cards 2024 Achievement 2024 Achievement
FY 24 Target FY 24 Target
Realization (%) Realization (%)
WWF 16,060 20,636 128.5% 500.1 514.1 102.8%
Amex Vibes 30,000 34,837 116.1% 90.0 220.1 244.6%
Total 46,060 55,473 120.4% 590.1 734.2 124.4%
Managing the Environmental Saving Paper [306-1, 306-2]
Impacts Arising from BNI’s We are mindful that it remains challenging to
ultimately refrain from using paper throughout
Operations our daily operations. Nevertheless, we continue
Despite not directly causing negative impacts on
lessening the use of it through various strategic
the environment, the potential may arise through
steps. One of which is by encouraging digital
business activities led by BNI’s debtors. Thus, the
banking transformation to increase efficiency and
Bank is committed to minimizing the potential risks
help reduce paper waste. In addition, we also adopt
and negative impacts by ensuring the allowed
several conventional initiatives, such as optimizing
financing has complied with prevailing laws
the use of paper and leveraging technology to
and regulations in the environmental and social
digitize documents and administration work.
sectors. In 2024, there were no complaints on
environmental issues that involved BNI.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 79
Page 80
Digital Banking:
• Maximizing BNI e-office utilizations, such as memo correspondence
application portal, internal notes, and letters recorded and circulated
in BNI.
• Digitizing employees’ presence using DigiHC, focusing on the presence/
absence, leave/permission, and tardiness.
• Digitizing the process of employees’ overtime application and its
monitoring through DigiHC.
• Using BNI e-procurement and e-Arsip applications to optimize
automation in the goods and services procurement process.
• Operating the DigiCode application, an internally integrated Standard
Operating Procedure management system with a paperless concept.
• Enhancing the use of digital banking in serving customers through the
digital acquisition of credit cards and e-billing statement.
• Applying efficient use of paper by simplifying marketing collateral
through the optimization of information use on BNI’s website.
• Applying efficient use of paper by simplifying marketing materials
through the optimization of information use on BNI’s website.
• Administering electric loan – Integrated Credit Document Management
(eLO PDKT), which has only been applied to loan documents of consumer
loans, starting from review up to verification process.
• Maximizing the power of social media (WhatsApp internal group) for
distributing meeting invitations among units.
Conventional Initiatives:
• Reducing the use of paper conventionally by manipulating used paper
and enhancing digitalization.
• Reducing hardcopy printing for Annual Reports and Sustainability
Reports.
Paper Use in BNI’s Regional (Kg)
Description 2024 2023 2022
Head Office 60,348 146,939 142,245
Regional and branch offices 1,531,636 1,789,345 1,697,378
Total 1,591,984 1,936,284 1,839,623
Impacts of E-Office on Paper Reduction (Unit of Sheet of Paper) [306-4]
Description 2024 2023 2022
Electronic SOP/BNI e-PP 57,288,420 46,503,360 39,882,240
Electronic billing statement/BNI e-billing 13,486,086 13,583,123 12,674,073
Efisiensi amplop billing/BNI e-billing 57,735 70,142 84,615
Total 70,832,241 60,156,625 52,640,928
Sustainability Report 2024
80 PT Bank Negara Indonesia (Persero) Tbk
Page 81
Impacts of eLO PDKT on Paper Reduction
Description 2024 2023 2022
Total loan/credit documents developed 1,547,963 1,183,577 446,204*
Note:
*) In April 2022, the pilot project eLO PDKT was launched in 5 Regions (Bandung, Semarang, Surabaya, Manado, and Papua) which then was applied widely
throughout BNI areas in August 2022.
Total Documents Circulating through Application
Description 2024 2023 2022
Memo 81,761 100,742 103,564
Internal note 3,150 7,110 11,329
External letter 32,711 43,664 46,656
Total documents 117,622 151,516 161,549
Letter of disposition 284,769 423,585 446,946
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 81
Page 82
Minimizing the Climate Change Risks through
Energy Management and Emissions Reduction
Energy Management and Emissions Reduction [302-4, 305-5]
Various initiatives are carried out to reduce the • Adopting green building architecture in Menara
emissions created with a key focus on energy BNI and Plaza BNI to support energy efficiency
efficiency enhancement. Below are said initiatives: and lessen the environmental impacts.
• Implementing Earth Hour by turning off the • Planning the building design for BNI PIK2
lights in the workplace during break session building using Green Building principles.
(12.00-13.00).
• Implementing annual Earth Hour every 4th week Efforts to improve energy efficiency have
of March in all BNI Head Office buildings. successfully reduced electricity and fuel
• Operating with every-saving lamps in Grha BNI, consumption (Scope 1 and 2) to 598,235 Giga
Plaza BNI, Gedoeng BNI, and Menara BNI. Joules (GJ) in 2024. As part of its green building
• Reducing the time length of chiller use on initiatives, Menara BNI has been awarded a Gold
Saturdays and Sundays. green building certification, while Plaza BNI has
• Using magnetic bearing technology in the Plaza achieved a Platinum certification, both granted
BNI’s coolers to enable frictionless operation of by the Green Building Council Indonesia (GBCI).
motor components. Additionally, BNI plans to implement LEED green
• Maximizing the 76 units of 3,040 Watt solar building standards for the development of a
panels in Plaza BNI as electrical source in new building in the PIK 2 area. In recognition of
emergency exits. its commitment to carbon emission reduction
• Limiting business travels and replacing them through the provision of facilities that support
with teleconferences. sustainable mobility, BNI was honored with the
Cyclist-Friendly Building Award by the Governor of
DKI Jakarta.
Energy Consumption and Intensity [302-1, 302-2, 302-3]
Description Unit 2024 2023 2022
Use of fuel for genset and use of GJ 598,235 604,186 975,767
electrical energy in BNI offices across
Indonesia
Use of fuel for overland business 334,861 327,264 13,710
travels and operational in BNI offices
Use of electrical energy from solar 95.9 95.9 95.9
panel
Total electricity and fuel 933,192 931,546 989,573
Income Rp Triliun 64.5 62.7 56.1
Energy Intensity to Income GJ/Rp 0.0000000145 0.0000000149 0.0000000161
Note:
The calculation uses a fuel to energy conversion factor f 0.038 GJ/ltr and electricity to energy of 0.0036 GJ/kWh.
Sustainability Report 2024
82 PT Bank Negara Indonesia (Persero) Tbk
Page 83
Emissions Management [305-5]
Since 2021, BNI has been on a journey towards net zero emissions by consistently calculating emissions
with continuous improvements, both in scope and method. The scope 1 and 2 emission calculations
have been conducted regularly, and in 2022, we expanded to indirect emission (scope 3) calculation.
In 2024, BNI also extended the scope of its emission calculation. The scope 1 emission included the
fuel use in buildings, air conditioner freon, and fuel for operational use, whereas the scope 2 emission
included the electricity in 5 head office buildings all of BNI regional and branch offices. On the other
hand, the scope 3 emission included business travels and financing emission of 70.3% of the Corporate
segments’ debtors, covering Corporate, Enterprise, Commercial, and Retail Productive loan portfolios.
Total emission increased due to the calculation coverage, particularly in scope 3 emission of business
travel, which previously covered 93.4% to 96.1% of BNI offices.
Greenhouse Gas Emissions Generated (Ton Co2eq) [305-1, 305-2, 305-3, 305-4]
Source of Emission 2024 2023
Scope 1
Use of fuel in Buildings 1,327.1 1,701.1
Use of freon 859.8 1,023.6
Fuel for operational use 15,175.0 15,874.9
Scope 2
Emissions from electricity 169,179.5 170,760.4
Scope 3
Business air travel 1,856.7 2,959.2
Overland business travel 5,355.2 4,220.8
Financing emissions 33,233,262 28,718,388*
GHG Emissions of Scope 1 & 2 186,541.3 189,360.2
Total GHG Emissions 33,427,015 28,914,928*
Emission intensity of scope 1, 2, & 3 of business travel to income (Ton CO2eq/ 0.00000000300 0.00000000313*
Rp)
Emission intensity of scope 3 of financing to income (Ton CO2eq/Rp) 0.00000051513 0.00000045768*
Intensity of total emissions (scope 1, 2, & 3) to income (Ton CO2eq/Rp) 0.00000051813 0.00000046081*
Note:
The operational emission calculation methodology uses the GHG Protocol 2017 and references are obtained from biograce v4, 2014. Meanwhile, for official travel,
references are from myclimate.
*) Restatement of information due to changes in calculation methodology and coverage.
BNI contributes to defending the ozone layers As of the end of 2024, the emissions data inventory
by implementing the initiative of restricting the was limited to greenhouse gas (GHG). Other air
use of ozone-depleting substances. This helps pollutant emissions, such as Nitrogen Oxide
reduce the use of equipment that may produce (NOx) and Sulphur Oxide (SOx), have not yet been
such emissions, especially those containing calculated, considering the main source of these
Chlorofluorocarbon (CFC). As its commitment, emissions does not derive from BNI’s operations.
[305-6, 305-7]
BNI replaced all said equipment with better eco-
friendly technology and apparatus, such as the use
of AC inverter.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 83
Page 84
Waste Management [306-1, 306-2, 306-4]
In 2024, BNI implemented the Zero-Waste to Landfill There was a change in the waste volume
(ZWTL) concept using the 3R method (Reduce, measurement method in 2024. Since December
Reuse, & Recycle). This waste management 2024, BNI has collaborated with a third party for
initiative involves five BNI Head Offices to optimize waste management, including the recycling of
recycling programs for waste generated by BNI organic and inorganic waste. As a result, waste
buildings and minimize direct waste disposal to data has been measured by weight (tons).
landfills.
Meanwhile, for the period January–November
To support solid waste management, BNI has 2024, waste data was calculated based on storage
established a Standard Operating Procedure (SOP) volume (m³).
for Solid Waste Management, which applies to its
Organic (m3) Inorganic (m3)
Head Office buildings. Once the waste management
implementation at BNI’s Head Offices is running 617.2 3,283.3
effectively, the program will be expanded to all 2024 2024
(January-November) (January-November)
Regional and Branch Offices.
Volume
Waste management stage: of Waste Organic (Ton) Inorganic (Ton)
Generated
[306-3, 306-5] 10.8 51.5
2024 2024
(December) (December)
In line with this, BNI has also expanded the scope
Hazardous of recycled waste calculations beyond paper waste
Solid Effluent
& Toxic to include other organic and inorganic waste.
Volume of Volume of
Recycled Paper Recycled Waste
BNI has classified the waste it generates into three Waste [306-4] (Exluding Paper
main categories: solid, effluent, and hazardous Waste)[306-4]
and toxic waste. BNI collaborates with a third
party for the management of hazardous and 48.0 Ton Organic (Ton)
toxic waste. Before collection by a licensed third 2024 3.7
party, the waste is initially stored in a designated 2024
(December)
to hazardous and toxic waste storage facility. The 60.5 Ton
collection of it is conducted once a year. 2023 Inorganic
(Ton)
16.0
191.6 Ton 2024
2022 (December)
Sustainability Report 2024
84 PT Bank Negara Indonesia (Persero) Tbk
Page 85
Textile Waste Management [306-1, 306-2, 306-4]
One of BNI’s waste management initiatives is This program has handled 21.6 tons of uniform
the Empathy Drop Box program. Through this waste and resulted in three outputs, which are as
program, we collaborate with the community to follows:
collect textile items for recycling and upcycling. 1. Donate: 5.3 tons of reusable clothing which
The repurposed items are then donated back to passed the quality test was distributed to pre-
those in need, reinforcing our commitment to prosperous families in 7 cities in Indonesia,
sustainability and social impact. preventing new 39,984 pieces of textile
products from being manufactured.
Additionally, BNI works together with employees 2. Recycle: 15.3 tons of textiles failed passing
in the Uniform Disposal Program, particularly in the quality test will be destroyed and further
handling employees’ wearable uniforms. This processed into recycled fabrics, Ja-Brick for
program aims to lessen the piling of textile waste home decor, and insulator.
ending in landfills by carrying out the Donate, 3. Upcycle: 1.12 tons of textiles in less than 60%
Recycle, and Upcycle principles. viable condition was further transformed into
products with added values, such as shoes,
and others.
This program is expected to contribute to reducing
GHG emissions, promoting a circular economy,
and delivering tangible benefits to underprivileged
communities in Indonesia.
Water Management [303-1, 303-2, 303-3, 303-4]
In BNI, water is used for domestic necessities, such To optimize water use, BNI has conducted
as handwashing, plant watering, and toilets. The several initiatives, such as implementing water
water is directly acquired from water springs. The management technology in Plaza BNI and Menara
need for water is met by the Regional Drinking BNI, campaigning for water saving, practising
Water Company (PDAM) and groundwater, which is sensible use of water, reporting tap leaks, and
commonly exhausted for domestic purposes in the using processed wastewater for plant watering.
office areas. With no hazardous effluent from BNI’s The calculation of water consumption in BNI
operations, BNI does not execute quality standard includes the head offices and the entire branch
tests on the generated effluent. Alternatively, BNI offices, with a total volume of 1,882,040 m3/year
efficiently processes its wastewater through the in 2024.
building management system, enabling water
reuse.
Water Use [303-5]
Description Unit 2024 2023 2022
Volume of water use
Head office m3/year 329,344 272,165 305,852
Regional and branch offices 1,552,696 1,485,969 1,331,022
Total volume of water use 1,882,040 1,758,134 1,636,874
Intensity of annual average water use m /employee/year
3
69.2 63.8 60.3
Note:
The water consumption is calculated based on the data of PDAM in m3
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 85
Page 86
Environmental and Biodiversity Preservation
BNI understands that the financing provided by Being remote from conservation areas and/or areas
the company potentially causes negative impacts with high biodiversity index, all operations in BNI
to the community and biodiversity. Hence, BNI have no direct significant impacts on biodiversity.
is committed to the “BNI for the Environment” Nevertheless, BNI consistently demonstrates
Pillar to continuously bring positive impacts to its commitment to conserving the environment
the environment by enhancing the ecosystem’s through various programs that can increase the
carrying capacity and protecting biodiversity. ecosystem’s carrying capacity. [304-1, 304-2]
As a commitment to adapting to climate change,
mainly in absorbing pollutant gases in the air, BNI
has the BNI GoGreen Program. It is the Company’s
form of support to conserve the environment.
Rehabilitating Mangrove Forest [304-3]
BNI supports land reforestation and rehabilitation activities, one of which is planting mangroves in
Banyuwangi Regency, East Java where is known as Wetland Essential Ecosystem Zone. The Pangpang
Bay requires immediate attention due to the coastal community’s low level of prosperity, neglected nature
conservation as well as sub-par level of knowledge, skills, and environmental awareness.
Sustainability Report 2024
86 PT Bank Negara Indonesia (Persero) Tbk
Page 87
BNI’s support is manifested by starting from procuring and planting seedlings to maintaining 50 hectares
of mangrove forest for the next three years. BNI had the conservation of Pangpang Bay as one of the
locations for celebrating its 78th anniversary to simultaneously gain attention and positive impacts from
rehabilitating the mangrove forest. The reforestation program is conducted through an agroforestry
approach to improve the quality of soil and air, as well as prevent natural disasters, such as landslides and
floods. In 2024, BNI reforested various areas in Indonesia with 177,347 trees planted.
Waste Management Program
BNI has a waste management program, which is
collectively led by the community through a waste
bank. The community benefits from the program’s
positive effects, both environmentally and
economically. Several activities are established
to support this program, such as Program Pos
Pandai (Center, Process Waste, Sort, Obtain,
Save, Recycle, Tool, and Innovation), incinerator
assistance, garbage motorcycle, and rubbish bin.
The waste management program is also applied
in tourist destinations, namely Likupang, North
Sulawesi; Cikole, Lembang; and Cipanas, West
Java. Cleaning activities are also conducted in
Nusantara Capital City (IKN), West Kalimantan.
Conservation of Protected Species [304-4]
BNI performs biodiversity activities by protecting biodiversity which is in accordance with the Regulation
of Environment and Forestry Minister No. 106 of 2018, stating the protection of endemic plants and
animals, such as Bornean orangutan and Javan rhinoceros.
Conservation of Javan Rhinoceros (Rhinoceros sondaicus)
The Javan rhinoceros (Rhinoceros sondaicus) is This conservation initiative includes the
classified as Critically Endangered on the IUCN establishment of a Field School for Buffalo
Red List, primarily due to its limited population Management and the continuation of Javan rhino
distribution, small population size, and threats to genetic mapping. The buffalo school aims to
its habitat and survival. Currently, the Javan rhino prevent buffalo from entering the rhino’s habitat
population is confined to Ujung Kulon National while ensuring that buffalo populations near the
Park. National Park remain healthy, thereby minimizing
the risk of disease transmission to Javan rhinos.
BNI remains committed to preserving Indonesia’s Meanwhile, genetic mapping is conducted to
biodiversity, particularly the Javan rhino, as part assess the genetic diversity of individual rhinos,
of its ongoing conservation efforts. At the end of helping to determine their overall genetic health.
2023, BNI continued its support for Javan rhino
conservation in collaboration with the Ministry
of Environment and Forestry, the Ujung Kulon
National Park Authority, and the Aliansi Lestari
Rimba Terpadu (ALeRT).
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 87
Page 88
Conservation of Bornean Orangutan
(Pongo pygmaeus)
Actively contributing to rehabilitating Bornean
orangutans, BNI joins the Ministry of Environment
and Forestry and Borneo Orangutan Survival
Foundation (BSOF). In 2024, the Bank rehabilitated
two Bornean orangutans in the Orangutan Nyaru
Menteng Rehabilitation Center, Central Kalimantan
along with 4 hectares of critical land in Samboja
Lestari. In the rehabilitation area, BNI restored the
forest through reforestation, land maintenance,
and fire threat management so that the existing
land can return to its natural purpose. This
activity also aims to promote areas for learning
centers, sanctuaries, and feeding. Moreover, the
Bank supports healthcare for orangutans through
vitamin provision, teaches how to prepare natural
food, and helps improve the infrastructure in the
conservation area.
Both Bornean orangutan and Javan rhinoceros are rare species that are also categorized as critically
endangered by the International Union for Conservation of Nature and Natural Resources (IUCN) Red
List Data Book. These species are umbrella species that have the capacity to roam wide and large areas
and serve as a supporting factor to the success of conserving other species. Protecting these species
indirectly protects other species, including plants and other animals.
Employee Volunteering Program
Since 2023, we launched a new program, Employee
Volunteer Program (EVP). It aims to increase awareness
and bring positive contributions environmentally and
socially. Activities relating to this program are held under
the BNI Berbagi Program. The EVP program is one of the
key performance indicators (KPI) of Environmental and
Social Responsibility Program of the Ministry of SOEs.
The Employee Volunteer Program (EVP) serves as a source
of motivation for BNI Hi Movers to voluntarily contribute
their time and ideas, fostering camaraderie among
employees while supporting the community. This initiative
also strengthens employee loyalty to the company and
ultimately helps create a better workplace environment.
BNI Hi Movers carry out the EVP through various activities,
including tree planting, religious holiday celebrations, and
the revitalization of praying places.
Sustainability Report 2024
88 PT Bank Negara Indonesia (Persero) Tbk
Page 89
Sustainability Report 2024 PT Bank Negara Indonesia (Persero) Tbk 89
Page 90
PILlAR
04
BNI FOR
T HE COMMUNIT Y
“BNI’s presence is always directed towards
providing a positive impact on surrounding
communities through programs focused on
empowerment, inclusion, and sustainability.
Through initiatives in education,
health, economic empowerment, and
environmental preservation, BNI strives
to create sustainable added value for the
people, in line with the company’s vision to
grow together with the nation.”
Sustainability Report 2024
90 PT Bank Negara Indonesia (Persero) Tbk
Page 91
Sustainability Report 2024 PT Bank Negara Indonesia (Persero) Tbk 91
Page 92
Empowering Growth with Communities [203-2, FS5] [FN-CB-240a.1, FN-CB-
240a.2]
Providing easy access to financing for MSMEs
(Micro, Small, and Medium Enterprises) is a
strategic step in empowering this sector to support
the national economy. With improved access to
capital, MSMEs have greater opportunities to
expand their businesses, increase production
capacity, and contribute to creating new jobs. As
of the end of 2024, BNI has consistently supported
the MSME sector by disbursing loans, including
both Subsidized Micro Loan (KUR) and non-
KUR loans. By the end of 2024, total MSME loan
financing has reached Rp117.1 trillion, consisting of
Rp33.2 trillion in KUR and Rp84.0 trillion in non-
KUR financing.
Subsidized Micro Loan (KUR) Disbursement Based of Business Segment in 2024 [FS7]
Business Number of Target Achievement of
Maximum Loan (Rp Billion)
Segment Debtors (Rp Billion) Government Target
Supermicro 21 0.2 0.5 39.4%
Micro 9,707 720.9 740.5 97.4%
Small 43,365 11,165.5 11,220 99.5%
Migrant 982 26.0 39 66.6%
Workers (PMI)
Total 54,075 11,912.5 12,000 99.3%
On the other hand, inclusive financing for MSMEs has reached Rp213.2 trillion by the end of 2024, with the
fulfilment of the Macroeconomic Inclusive Financing Ratio (RPIM) at 28.1%.
Macroprudential Inclusive Financing Ratio (Rp Trillion)
Description 2024 2023 2022
Direct financing and supply chain 184.7 171.5 169.0
Providing financing through financial services institutions, public service 22.9 14.6 7.5
agencies, and/or business
entities
Purchase of inclusive financing securities (SBPI) 5.4 4.8 3.5
Total inclusive financing 213.2 190.9 180.0
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 5.0
Total loan/financing to Non-Bank third parties 759.6 685.8 641.1
RPIM 28.1% 27.8% 28.0%
Sustainability Report 2024
92 PT Bank Negara Indonesia (Persero) Tbk
Page 93
Support for MSMEs
BNI is committed to supporting the empowerment, development, and strengthening of MSMEs as
they are fundamental to the national economy. In addition to providing ESG-oriented financing access
to SMEs, BNI also supports capacity building through training, the implementation of environmentally
friendly practices, and encourages the growth of MSMEs by facilitating market access, both nationally
and internationally. BNI’s MSME journey includes initiatives such as Go Productive, Go Digital, and Go
Global. To achieve these goals, BNI collaborates with relevant ministries, agencies, and institutions.
BNI MSME Empowerment Roadmap
Initiation Phase Acceleration Phase Scale-Up Phase
(Go Productive) (Go Digital) (Go Global)
Phases
Enhancement of MSME Digitalization of Online Market Export Market Access
Capabilities MSME Business Access Supporting potential
Capital support and MSME Processes Directing MSME export MSMEs to reach
mentoring according to Introduction of product marketing the global market, in
Empowerment
mapping results for business technology in MSME through online terms of product quality,
Steps
capability enhancement as a business processes market access such legality/certification,
driver for MSME graduation to create digital as e-commerce or and foreign product and
MSMEs social media service transactions
MSME survey Mentoring • Partner Partner Partner
for mapping through collaboration for collaboration for collaboration for
Real Actions
mentoring webinars & business financial online market MSME export
needs MSME capital record digitalization access curation
distribution • Business Transaction
Products and
Services
Financing
Products
PUMK BNI BWU SMALL COMMERCIAL
BNI Wirausaha PANDU LOAN LOAN
Note:
PUMK is a Micro & Small Business Funding Program
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 93
Page 94
Go Productive
BNI UMKM Ramah Lingkungan (BUMI) Program [203-2]
BUMI Program is an empowerment initiative for MSMEs focusing on environmental sustainability by
implementing eco-friendly business processes and/or producing eco-friendly products. Throughout
2024, BNI through the BUMI program continues to promote the program through collaborations with
external parties, such as Bank Indonesia, to raise public awareness of the important role of MSMEs in
practicing environmentally friendly practices. Additionally, MSME actors involved in the BUMI program
have participated in several business matching activities beneficial for improving market access and
business profitability. In 2024, the BUMI program has conducted socialization four times, disbursed
Rp38.9 billion in loans to the crafts sector for 164 MSMEs, and included BUMI program MSMEs in several
business matching activities through events such as BNI Bazaar Fest Vol.02, BNI Expo, and BNI Investor
Daily Summit 2024. It is hoped that MSMEs participating in the BUMI program, in accordance with Bank
Indonesia’s Green MSME Development Guidelines, can advance while protecting the earth by becoming
MSMEs meeting the eco-adopter, eco-entrepreneur, and eco-innovator criteria.
BNI Kampung Budidaya Perikanan
BNI Kampung Budidaya Perikanan is an empowerment program for MSMEs in the fisheries sector, providing
banking solutions and services from upstream to downstream to create a closed-loop ecosystem, offering
training and skill development for MSMEs in the fisheries sector and expanding their market access
through Xpora to enable them to Go Global. In implementing this program, BNI collaborates with the
Ministry of Marine Affairs and Fisheries (KKP) to support KKP’s Priority Programs, such as the Fisheries
Cultivation Village and Fishermen’s Villages. The BNI Kampoeng Budidaya Perikanan program also aims
to support and help achieve the success of the blue economy program as one of the Asta Cita of President
Prabowo-Vice President Gibran national priority programs. Through this program, BNI seeks to improve
the welfare of communities in the fisheries sector and support nutritional fulfillment.
Sustainability Report 2024
94 PT Bank Negara Indonesia (Persero) Tbk
Page 95
Forming a Cluster
(Upstream Sector):
Digital MSMEs : Providing Business Mentoring
Access to Financial Services & (Downstream Sector)
Banking Transactions
Xpora BNI Export Made
√ Aquaculture Village
√ Progressive Fishermen Village
Easy: Business Mentoring through
offline and online meetings
√ Marine Village
√ Curation of MSMEs with Export
Potential
√ Coaching Clinic for MSMEs in the
Partnership Collaboration Fisheries Sector
Merchant: BNI X E-Commerce: √ Exhibitions & Bazaars
Collaboration on Utilizing Big Data √ Business Matching for Export
of Potential MSME Partners to Products
Become BNI Agency Partners (BNI
Agent46)
BNI synergizes and supports Priority Programs initiated by the Ministry of Marine Affairs and Fisheries,
including the Kampung Budidaya Perikanan and Kampung Nelayan, to improve their well-being.
Program Sceme of BNI Kampung Budidaya Perikanan
Offtaker collaboration agreement
Global market
Export
Independent Partnership
BNI’s financial Village agreements
literacy and inclusion Aquaculture
Group
(Pokdakan) Local offtakers
Business development
assistance
Harvested
Aquaculture and
product sales
Fisheries MSMEs
MSME
empowerment
Stakeholders and training
Ministries,
Organizations, Fishermen Fish Farmers
Relevant
Institutions
In 2024, BNI disbursed Rp3,312 billion in loans to
Capture Aquaculture
7,139 debtors in the marine and fisheries sector, Description
Fishery Fishery
with a breakdown of Rp260 billion in Subsidized
KUR Rp358 1,631 Rp972 4,359
Micro Loan (KUR) totaled Rp1,330 billion for 5,990 billion debtors billion debtors
business actors.
Non-KUR Rp1,321 544 Rp661 605
billion debtors billion debtors
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 95
Page 96
Go Digital
BNI Desa Digital Khatulistiwa (BNI Dedikasi)
BNI Dedikasi is a sustainable village transformation business incubation program via BNI’s digital
financial ecosystem. The program aims to promote increased financial literacy and inclusion in villages
and to create environmentally conscious entrepreneurship in the village’s leading sectors by optimizing
the role of Village-Owned Enterprises (BUMDes) as drivers of the local economy. A total of Rp18.6 billion
in financing has been disbursed to 69 MSMEs as financing recipients
Alsintan Taxi Financing Program
BNI is committed to supporting sustainable BNI has played an active role in supporting the
development in Indonesia. A tangible manifestation Taksi Alsintan program through targeted and
of this commitment is BNI’s participation in the sustainable financing. Through this program, BNI
Taksi Alsintan program (Agricultural Tools and contributes to:
Machinery). The Taksi Alsintan program is a 1. Increasing Agricultural Productivity: Farmers
strategic initiative by the government to accelerate using modern agricultural machinery (alsintan)
the modernization of the agricultural sector in can improve time and labor efficiency, resulting
Indonesia. This program is designed to support in better harvests.
the development of agricultural mechanization by 2. Strengthening Food Security: With increased
utilizing more modern, efficient, and affordable productivity, the national food supply becomes
agricultural tools and machinery (alsintan) for more secure.
farmers. With this program, the government hopes 3. Encouraging Digital Transformation: The use
to enhance national agricultural productivity and of alsintan integrated with digital technology
efficiency, ultimately supporting Indonesia’s food supports the digital transformation process in
security and aligning with the Asta Cita program of the agricultural sector.
President Prabowo-Vice President Gibran. 4. Improving Farmers’ Welfare: Access to alsintan
financed by BNI opens up opportunities for
farmers to increase their income.
BNI’s support for strategic programs like Taksi
Alsintan is an important step in promoting
sustainable development in Indonesia. BNI is
committed to being a strategic partner in realizing
the modernization of the agricultural sector
and creating a brighter future for Indonesian
agriculture. During the period from 2022 to 2024,
BNI, in collaboration with several providers of
agricultural machinery, has disbursed funding
amounting to Rp97.4 billion to 297 debtors to
support the implementation of this program
Sustainability Report 2024
96 PT Bank Negara Indonesia (Persero) Tbk
Page 97
Go Global
BNI Xpora
BNI Xpora, a one-stop export solution from BNI, continues to play a
crucial role in helping MSMEs expand their reach to global markets.
In 2024, BNI Xpora received the Economy Enhancement MSME
Enabler of the Year award and the Best Brand for Digital MSME
Banking Services, Xpora. These awards highlight BNI Xpora’s
commitment to fostering MSME growth through sustainability,
digitalization, and providing access to international markets.
In 2024, BNI Xpora supported various initiatives to enhance the
productivity and competitiveness of MSMEs. These initiatives
included training, business development, and participation in
international trade events such as Foodex in Tokyo, Amsterdam
Coffee Festival, Chicago Coffee Festival, Indonesia in Singapore,
Seoul Food & Hotel, Shoppe Object, HKTDC Food Expo, Wonderful
Nusantara, Indonesia Africa Forum, and Trade Expo Indonesia.
Additionally, BNI Xpora helped connect local businesses with
global buyers, providing a platform for business meetings and
international exposure. These efforts align with the broader
goal of making Indonesian MSMEs more productive, digital, and
competitive on a global scale. The realization of BNI Xpora in 2024
amounted to Rp33.6 trillion with 18,432 debtors.
BNI Jejak Kopi Khatulistiwa (JKK) Program
BNI through the BNI Jejak Kopi Khatulistiwa program bridged
the financial solution which covers financing, transaction, and
business-agents for the coffee farming ecosystem, including agro-
input stores, off-takers, and aggregators.
Productive Loan Productive Loan Collaboration Supporting Export-
Supporting CSR Supporting CSR oriented Market
Grading Access
Saprodi Harvested Product
purchasing Collection Coffee Sales Coffee Sales
Saprodi Supplier Farmer Aggregator Offtaker
Saprodi Supply Harvested Transaction Payment
Product Payments
Payment
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 97
Page 98
BNI Jejak Kopi Khatulistiwa (BNI JKK) is a program The program features include financing, coaching
initiative rooted in social forestry that aims to (in collaboration with Puslitkoka), and coffee
empower local communities through the creation grading. In 2024, a total of 525 farmers received
of a green economy financing ecosystem for financing, with the total financing realization
coffee MSMEs (farmers, collectors, and other amounting to Rp67.2 billion.
stakeholders), both in social forestry areas and
potential coffee-growing regions across Indonesia. BNI JKK Program received Gold Medal at the BUMN
The program strives to establish a closed-loop Corporate Communications and Sustainability
financial ecosystem to support these coffee Summit (BCOMSS) 2024 in the Creating Shared
stakeholders. Value category. The program is implemented
in five provinces: North Sumatra (Humbang
Social forestry includes various commodities, Hasundutan Regency), South Sumatra (Rejang
such as coffee, corn, porang, sengon, and others, Lebong Regency), West Java (Garut Regency),
with a portfolio worth Rp240.0 billion distributed to Central Java (Temanggung Regency), and East
10,467 farmers. Among the various commodities, Java (Jember Regency).
BNI focuses on coffee as a key thematic area for its
social forestry efforts, which is the foundation for BNI JKK has also received recognition from the
the establishment of the BNI JKK Program. Ministry of State-Owned Enterprises where it is
currently part of the Project Management Office
BNI JKK has been implemented in five regions and (PMO) for Coffee and Cocoa of Indonesia, under
aims to: the Ministry of SOE. BNI’s tangible contribution
1. Position local coffee to meet global coffee to supporting the coffee ecosystem is through its
needs environmental and social responsibility initiative,
2. Empower the economy of coffee farmers where it provided coffee processing equipment to
3. Enhance financial inclusion LMDH Wanaasri, Temanggung, aimed at optimizing
4. Create a green economic ecosystem the coffee ecosystem in Temanggung.
5. Provide coffee grading in BNI JKK areas
6. Develop an export market-oriented coffee
ecosystem
Sustainability Report 2024
98 PT Bank Negara Indonesia (Persero) Tbk
Page 99
Financial Literacy and Inclusion [FS16][FN-CB-240a.3, FN-CB-240a.4]
BNI Promotes Financial Literacy and Inclusion through National-
Level Achievements
BNI is committed to supporting the financial and off-branch), 1,380 DigiCS Lite machines (in-
literacy and inclusion programs advocated by branch), and Digital Posters (in-branch).
the government. These initiatives aim to improve
the public’s knowledge, skills, confidence, and Not only domestically, BNI also collaborates with
behavior to make informed financial management OJK to actively educate the Indonesian Diaspora
decisions for the future. Financial literacy activities and Migrant Workers (PMI) by utilizing the presence
are also conducted to help every segment of of BNI Representative Offices abroad. BNI has
society better understand banking products and been assisting PMI since the pre-departure briefing
services, their benefits and advantages, as well as stage. As of December 31, 2024, a total of 353,225
potential financial risks. Through these financial BNI Taplus accounts have been owned by PMI.
literacy and inclusion programs, it is hoped that
the gap in public access to financial services can Through 7,986 frontliners stationed across 1,780
be reduced by decreasing the number of unbanked branch offices/outlets, BNI is able to reach and
individuals. educate customers and the community visiting
these branches. In addition, BNI leverages social
BNI takes a proactive approach in providing media to disseminate information and educational
comprehensive education to the public. content to segments of the online community,
Community-based education is also carried out in including platforms such as Instagram (1.7 million
schools, campuses, and universities, where digital followers), Twitter (15.1 thousand followers),
banking and investment products are introduced Facebook (439 thousand followers), and TikTok
to raise awareness about the existence of illegal (503.8 thousand followers).
investments and online gambling, which have
become widespread. In its efforts to enhance BNI’s commitment to implementing financial
customer experience and encourage digital literacy programs has paid off, as evidenced by
transactions, BNI has introduced the O-Branch winning the Best Literacy Program award at the
Banking Café. This mobile service, housed in 2024 Financial Literacy Award hosted by OJK. This
a minibus designed to resemble a café, offers award was given for BNI’s significant contributions
customers a new way to obtain information and to enhancing financial literacy in Indonesia through
conduct transactions with the bank. innovative and impactful educational programs.
This achievement highlights BNI’s active role in
BNI has introduced BNI Agen46 to reach areas that supporting financial inclusion and empowering
are not covered by BNI outlets. Currently, there communities with a better understanding of
are 213,370 BNI Agen46 agents spread across financial management.
Indonesia, with 16,360 located in underdeveloped,
leading, and outermost (3T) areas. BNI Agen46 Throughout the implementation of its financial
serves as the closest point of service to encourage literacy and inclusion program, BNI has conducted
financial literacy among the public. As a medium 557 activities reaching 72,407 offline participants
for disseminating financial education materials to across 33 provinces. Additionally, the program
the entire community, BNI optimizes digital branch/ has successfully reached social media audiences,
outlet devices, utilizing 13,388 ATM and CRM with a total social media reach of 167,738 people.
screens, 330 DigiCS machines (both in-branch These achievements highlight BNI’s commitment
to providing widespread and equitably distributed
financial literacy access throughout Indonesia.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 99
Page 100
The recognition from OJK is evidence of BNI’s Through this recognition, BNI solidifies its
commitment to aligning its programs with the position as a leader in the implementation of
government’s targets to accelerate national financial literacy programs that not only educate
financial literacy and inclusion. This award also but also play a role in building a more inclusive
underscores BNI’s consistency in creating financial financial ecosystem. The award from OJK serves
education initiatives aimed at various groups, as motivation for BNI to continue innovating
including students, educators, and the general and expanding the reach of its financial literacy
public, through effective and measurable activities. programs to support sustainable economic growth
in Indonesia.
Financial Inclusion Reaches Underdeveloped, Frontier, and Outermost
Regions [FS13][FN-CB-240a.3, FN-CB-240a.4]
BNI’s financial inclusion program has successfully BNI continues to demonstrate its commitment
provided the public with access to banking services. to supporting financial inclusion and promoting
However, there are potential risks, such as social sustainable economy by collaborating with the
engineering, which can lead to financial losses and an Indonesian Association of Persons with Disabilities
increase in consumerist behavior. To address these (PPDI) through mentoring and special assistance
risks, BNI consistently implements financial literacy programs for people with disabilities to become
and inclusion programs aimed at improving the BNI Agen46 partners. In line with the momentum
public’s understanding of wise and secure financial of International Day of Persons with Disabilities
management. commemorated on December 3rd, BNI, together with
PPDI, made history by achieving a MURI Record for
BNI Agen46 is a BNI product that collaborates or the First Empowerment of Persons with Disabilities
partners with individuals and legal entities to provide as Smart Agent Partners of BNI Agen46. A total of 65
banking services to the community, especially in areas persons with disabilities officially joined as Agen46
with limited population or economically vulnerable partners, marking a tangible step for BNI in promoting
regions. BNI has expanded its business-to-business equality and inclusion.
(B2B) partnership network with 53 potential super
agent (SA) partners to enhance service reach through
branchless banking agents.
In 2024, the number of BNI Agen46 grew by 14.9%,
with agents distributed across 462 cities/districts,
6,196 sub-districts, and 34,241 villages/sub-villages
throughout Indonesia. Of the total, 16,360 agents, or
approximately 8%, are located in frontier, outermost,
and underdeveloped regions, experiencing a
growth of 15.5%. This highlights BNI’s commitment
to expanding its banking services to more remote
areas, including regions that require special attention
in terms of economic development and financial
inclusion.
Sustainability Report 2024
100 PT Bank Negara Indonesia (Persero) Tbk
Page 101
Financial Inclusion Support Program
We actively participate in supporting government
programs for underprivileged communities by
assisting in the distribution of aid cards and
disbursing funds. Additionally, BNI focuses on
enhancing financial literacy and inclusion through
various programs, such as “Ayo Menabung dengan
Sampah” (Let’s Save with Waste) and the “Super
Bidan” (Super Midwife) Program. These programs
aim to empower individuals, encourage saving
habits, and support entrepreneurship among
vulnerable groups in society.
Ayo Menabung dengan Sampah
By the end of 2024, BNI has implemented the Bank Goes to School program in 518 schools, along with
the Goes to School initiative aimed at the One Student One Account (KEJAR) and Indonesia Savings Day
(HIM), involving more than 61,000 participants. The success of this program has led BNI to receive several
awards from OJK, which is the Best Financial Literacy Program in 2024.
Ayo Menabung dengan Sampah program successfully exceeded its fundraising target of Rp1,875 million,
surpassing the target of Rp1,800 million. The funds consisted of Rp1,712 million for SimPel and Rp163
million for BNI Pandai. Additionally, the program recorded 195,349 accounts, with 194,011 accounts for
SimPel and 1,338 accounts for BNI Pandai.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 101
Page 102
Super Bidan Program
BNI collaborates with Women’s World Banking
(WWB) to develop the Super Bidan Program, which
offers banking solutions for financial planning
related to childbirth and post-delivery care. As
part of the implementation, 100 midwives across
4 cities were involved in 2024. A monitoring visit
was conducted by WWB management, who came
directly from their headquarters in New York in
2024. The purpose of this visit was to evaluate the
progress of the program’s implementation on the
ground, which will serve as the basis for deciding
whether the program will continue in 2025. The
program will receive continued technical and
financial support from WWB.
Teacher Education and Certification
Program
BNI implemented a teacher certification program
across five provinces—DKI Jakarta, Pekanbaru,
East Kalimantan, Bali, and East Nusa Tenggara—
participated by 1,000 teachers from 513 schools.
This six-month program aims to support the
Ministry of Education, Culture, Research, and
Technology’s mission to enhance teachers’
capacities. The program equips teachers with
digital technology skills, which have a lasting
positive impact on education. As a value-added
benefit, teachers will receive not only a nationally
recognized certificate accredited by the Ministry
of Education, Culture, Research, and Technology
(Kemendikbudristek) but also an international
certificate from Microsoft, the Microsoft Certified
Educator.
During the program, BNI also conducted a financial
education program in collaboration with OJK. The
educational materials covered financial planning,
the dangers of illegal online loans, and the
prevention of online gambling. This program aims
to enhance financial literacy, position teachers as
role models, and raise early awareness among
students about responsible and inclusive financial
management.
Sustainability Report 2024
102 PT Bank Negara Indonesia (Persero) Tbk
Page 103
Financial Inclusion and Literacy Reaching the Nation
The Simpanan Pelajar (Student Savings) product plays a role in supporting various activities, including
the Bank Goes to School program, Let’s Save with Trash initiative, and government assistance programs
like the Indonesia Smart Program (PIP). Through these initiatives, BNI not only encourages a culture of
saving among students but also increases their participation in broader financial activities, introduces the
concept of sustainability, and helps access education through government assistance.
Description 2024 2023 2022
Simpanan Target Rp2,500 billion Rp1,800 billion Rp1,500 billion
Pelajar Total Funds Total Funds Total Funds
Realization Rp2,681.3 billion Rp1,831.0 billion Rp1,555.7 billion
Total Funds Total Funds Total Funds
11,390,761 Accounts 9,549,173 Accounts 10,131,096 Accounts
BNI Pandai Target Rp1,000 billion Rp1,105 billion Rp1,000 billion
Total Funds Total Funds Total Funds
Realization Rp1,124 billion Rp1,120 billion Rp921 billion
Total Funds Total Funds Total Funds
20,180,474 Accounts 20,023,883 Accounts 20,007,475 Accounts
TabunganKu Target Rp3,900 billion Rp3,900 billion Rp4,100 billion
Total Funds Total Funds Total Funds
Realization Rp3,946 billion Rp3,982 billion Rp4,315 billion
Total Funds Total Funds Total Funds
12,255,408 Accounts 12,889,609 Accounts 12,862,645 Accounts
Sharing Added Values with Communities [413-1, 413-2]
BNI demonstrates its strong commitment to and increasing income. However, there are also
conducting healthy business processes by always negative impacts that need to be considered,
considering achieving a balance in performance in including inequality in guidance and assistance,
economic, social, and environmental aspects. One limited access to information, and the potential
of these efforts is the realization of various Social for social jealousy that can trigger conflicts among
and Environmental Responsibility Programs. involved communities. Throughout the program’s
The pillar ‘BNI for the Community’ is realized implementation, BNI continues to strive to mitigate
through a series of community engagement and potential negative impacts by actively building
empowerment activities. communication with beneficiaries.
In implementing the Social and Environmental BNI established the BNI Berbagi Program as
Responsibility Program, BNI refers to the a platform for implementing its Social and
Regulation of the Minister of State-Owned Environmental Responsibility initiatives, aiming
Enterprises No. PER-1/MBU/03/2023. In 2024, BNI to create a positive impact in the economic, social,
allocated Rp130 billion of funds for this program, and environmental sectors, while strengthening
with realization reaching Rp129.9 billion or 99.9%. relationships with the community as a key
It has a number of positive impacts, such as stakeholder. Through this program, BNI supports
improving living standards, changing behavior, the achievement of sustainable development goals
(SDGs).
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 103
Page 104
KAWAN BNI Program [203-1, 203-2]
KAWAN BNI Program is a community
empowerment initiative that focuses on three main
areas: women’s empowerment, cultural villages,
and ecotourism. The empowerment targets in the
KAWAN BNI Program include Village Officials,
Village-Owned Enterprises, Community Leaders,
Micro and Small Enterprises, and Business Actors
(such as youth organizations, tourism awareness
groups, community surveillance groups, and the
like).
This Program is one of the BNI Sharing Programs
targeting villages across Indonesia to develop the
leading businesses of each village.
This program aims to enhance the economic capabilities of community members. BNI continuously
provides contributions and support to develop potential so that villages can become self-sufficient and
create or expand employment opportunities for the community.
Throughout the year 2024, BNI is developing four KAWAN BNI Program sites, namely Wringin Putih Village
(Banyuwangi, East Java), Ponggok Tourism Village (Klaten, Central Java), Lembah Asri Tourism Village
(Purbalingga, Central Java), and Bubu Attagamu Village (East Flores, East Nusa Tenggara).
Sustainability Report 2024
104 PT Bank Negara Indonesia (Persero) Tbk
Page 105
Rumah BUMN [203-1, 203-2]
Rumah BUMN, initiated by the Ministry of State-Owned
Enterprises, aims to develop Micro, Small, and Medium
Enterprises (MSMEs) as essential pillars in Indonesia’s
economy. BNI actively manages Rumah BUMN in 23 locations
across Indonesia. Throughout 2024, BNI has demonstrated
its commitment to supporting MSME development with
various training programs, mentoring, and market access to
strengthen the role of MSMEs in the national economy.
Rumah BUMN not only focuses on developing MSME at the
local level but also helps expand their market to national
and international scales. This program provides MSME with
opportunities to introduce their products through domestic
and international exhibitions, enhance market networks,
and contribute more significantly to the national economy.
In 2024, BNI’s Rumah BUMN further strengthened Additionally, BNI’s Rumah BUMN provided
its commitment to supporting Disability MSMEs mentoring to coffee farmers in Bantaeng, working
through the program of Rumah BUMN in Bekasi alongside the Directorate General of Intellectual
Grows with Disability-oriented MSME. The goal of Property (DJKI) from the Ministry of Law and
this program is to make a tangible contribution to Human Rights to obtain a Geographical Indication
fostering inclusive economic growth and reducing certificate for the premium coffee products from
inequality. BNI’s Rumah BUMN contribution goes Mount Lompobattang, Bantaeng, South Sulawesi.
beyond technical training; it also provides hope This certification has confirmed the quality of the
and opportunities, driving positive change that coffee as some of the best in both national and
directly impacts society, especially Disability- international markets. In 2024, it became one of
oriented MSMEs. BNI also provided production the Indonesian coffees representing ASEAN at
equipment to support these Disability-oriented the World Geography Indication event in Geneva,
MSMEs. Switzerland.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 105
Page 106
Realization of Other Community and Environmental Programs [203-1, 203-2]
123 794 59
Worship facilities from Scholarship beneficiary Ambulance vehicles to
various religions are built/ accumulation support healthcare
renovated across the entire
BNI operating areas
619,362 100 2
Food packages were Infrastructure development Locations for solar
distributed in the context of and the provision of panel assistance for
religious holidays, mitigating facilities and infrastructure community roads and
the impact of El Nino, and for schools or educational praying places
other assistance institutions are carried
out in the BNI operational
areas
Other social and environmental responsibility To support the government’s program in
programs performed in the form of aid activities accelerating the reduction of stunting, BNI
include a wide range of initiatives. In the health implements various programs, including providing
sector, “BNI Berbagi” donates equipment to the assistance in the form of:
Nusa Waluya II Hospital Ship to perform cataract 1. Nutritious packages for toddlers, pregnant and
surgeries in remote locations. Furthermore, breastfeeding mothers
clean water and sanitation facilities are provided 2. Nutritious lunches
in several affected areas of Indonesia, such as 3. Training for Posyandu (Integrated Health Cares
Lombok Regency - West Nusa Tenggara, Rembang, Clinic) cadres and stunting prevention training
Purwokerto, Serang, Pandegelang, Cilegon-
Banten, Bogor - West Java, and Banyuwangi - East The implementation of these programs is carried
Java. To address food security and hunger issues, out in various regions, namely Tasikmalaya,
BNI distributes 619,362 food packages during Jombang, Sidoarjo, North Jakarta, Semarang, and
Ramadan, to mitigate the impact of El Niño, and on Jepara.
other occasions.
Social Return on Investment
BNI also undertakes the construction and
(SROI) Measurement
renovation of worship infrastructure for various
BNI measures the impact created in social,
religions throughout its operational areas.
environmental, and economic areas from its social
Throughout 2024, BNI supported 123 places
and environmental responsibility programs. The
of worship, including those in West Sumatra,
impact measurement results serve as a basis for
Bengkulu, Java Island, Bali, and Maluku. In the
improving program quality. Additionally, SROI acts
field of education, BNI contributed by providing
as an evaluation of the implementation of the BNI
assistance to 100 schools or educational
Berbagi Program. In 2024, we measured the impact
institutions, which included the construction of
of the social and environmental responsibility
school buildings, the development/renovation
programs using the Social Return on Investment
of classrooms, training, provision of information
(SROI) method. Impact assessments were
and communication technology facilities, and
conducted in collaboration with an independent
the provision of learning support infrastructure.
party for three programs, namely:
BNI also distributed 17,000 educational packages
1. Bore Well in Gunung Kidul (DIY), score 3.5
across its operational area.
2. Bekasi State-Owned Enterprises House (West
Java), score 2.6
3. Waste Management Program in Bogor (West
Java), score 2.2
Sustainability Report 2024
106 PT Bank Negara Indonesia (Persero) Tbk
Page 107
Mechanism for Handling Public Complaints [411-1]
In 2024, BNI did not receive any complaints or incidents related to violations of indigenous people’s rights
around its operational areas. During the same period, no complaints were received from the general public
either. This demonstrates BNI’s commitment to maintaining good relationships with local communities
and operating responsibly.
Local Parties’ Involvement in the Supply Chain [2-6, 204-1]
BNI places a priority on local partners and suppliers within its supply chain by selecting companies
that are entirely domestically owned. To ensure the quality and effectiveness of the supply chain, BNI
routinely conducts assessments and evaluations of its partners’ performance. Additionally, BNI holds an
annual vendor gathering to disseminate information about the anti-bribery management system and to
encourage the use of domestic products. This step supports efforts to empower the local economy while
maintaining integrity in business operations.
Goods and Services Procurement
2024 2023 2022
Type of Goods Goods Goods
Suppliers/ Number of Number of Number of
Procurement Procurement Procurement
Partners Suppliers/ Suppliers/ Suppliers/
Value Value Value
Partners Partners Partners
(Rp Trillion) (Rp Trillion) (Rp Trillion)
Local 606 4.2 473 7.0 331 4.4
Overseas 52 0.9 8 - 44 -
Total 658 5.1 481 7.0 375 4.4
Note:
• Local refers to companies with complete domestic ownership.
• Overseas refers to companies with complete foreign ownership.
New Suppliers’ Screening using Environmental and Social Criteria
[308-1, 308-2, 414-1, 414-2]
As part of BNI’s commitment to environmental This commitment has been communicated to both
sustainability and responsible business practices, existing suppliers and potential suppliers who
BNI has implemented a policy to assess suppliers have been verified by BNI and meet the minimum
based on environmental and social criteria. This criteria or have received a Supplier Registration
policy has been in effect since December 2024. The Certificate (TDR). By the end of 2024, BNI had
criteria outlined in the policy include aspects such as conducted a reassessment of 17.6% of its existing
environmental licensing information, the company’s suppliers. Meanwhile, the commitment has been
proximity to protected areas, management of communicated to all (100%) potential suppliers
greenhouse gas emissions and waste, the prohibition who received a Temporary Supplier Registration
of underage labor, the absence of forced labor, a Certificate (TDRs) in December 2024.
commitment to non-discriminatory practices based
on race, religion, or ethnicity, and ensuring equality BNI has also established a policy regarding the
in promotions and remuneration. identification of labor unions in suppliers/vendors
by the end of 2024. However, the implementation
will begin in 2025, where suppliers/vendors will be
assessed to determine whether they have labor
unions through the partnership process, with
reviews conducted annually.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 107
Page 108
PILLAR
05
BNI FOR EMPLOYEES
“BNI believes that increasing employee
productivity will drive the company’s
performance excellence. For this
reason, BNI is committed to creating
an inclusive and fair work environment
by implementing Human Resources
policies that respect diversity, human
rights, and focus on developing
employee competencies. This allows
each employee to be more responsive
to the needs of stakeholders.”
Sustainability Report 2024
108 PT Bank Negara Indonesia (Persero) Tbk
Page 109
Sustainability Report 2024 PT Bank Negara Indonesia (Persero) Tbk 109
Page 110
Human Resource Management [2-7, 406-1]
BNI’s business sustainability depends on the inclusive work environment by ensuring there is
support of all employees, so we strive to create no discrimination, intimidation or violence in social
the best conditions for employees as a place of relations between employees during the reporting
pride to work and achieve following one of BNI’s period.
missions. BNI implements human resources
management by respecting the principles of To maintain diversity, BNI strives to balance
Human Rights. BNI upholds the principle of various factors such as education level, age group,
equality and opposes discrimination in every work experience, gender, race, ethnicity and
stage of human capital management, starting religion. As of the end of 2024, the number of BNI
from the recruitment process, during employment employees reached 27,203 people, consisting of
(including career development, remuneration, 48.0% men and 52.0% women. This proves that
and other aspects), to when employees leave BNI provides equal opportunities for female and
the company. BNI is committed to building an male employees. All BNI employees are full-time
employees, with no part-time employees.
BNI Employee Profile
Employee Composition by Employment Status and Gender [2-7]
2024 2023 2022
Employment Status
Male Female Male Female Male Female
Permanent 12,200 13,178 12,150 13,310 12,203 13,131
Contract 521 697 647 728 606 761
Trainees 333 274 395 340 222 247
Total by gender 13,054 14,149 13,192 14,378 13,031 14,139
Total 27,203 27,570 27,170
Employee Composition by Operational Regions and Gender [2-7]
2024 2023 2022
Operational Regions
Male Female Male Female Male Female
Head Office 4,168 3,277 5,664 4,798 3,058 2,447
Regional Office 01 471 556 394 473 546 587
Regional Office 02 647 683 518 604 721 731
Regional Office 03 667 746 555 637 726 805
Regional Office 04 735 767 623 657 816 798
Regional Office 05 496 540 400 472 519 570
Regional Office 06 616 940 533 817 744 1,051
Regional Office 07 569 666 455 539 644 689
Regional Office 08 610 668 520 593 677 707
Regional Office 09 662 740 578 632 777 811
Sustainability Report 2024
110 PT Bank Negara Indonesia (Persero) Tbk
Page 111
2024 2023 2022
Operational Regions
Male Female Male Female Male Female
Regional Office 10 346 569 298 536 388 624
Regional Office 11 336 496 276 417 372 503
Regional Office 12 395 469 351 450 501 598
Regional Office 14 456 768 379 707 471 818
Regional Office 15 512 698 417 631 559 752
Regional Office 16 207 221 187 212 228 234
Regional Office 17 557 683 491 609 671 726
Regional Office 18 581 653 533 585 646 681
Overseas Branch 23 9 20 9 21 7
Total by Gender 13,054 14,149 13,192 14,378 13,031 14,139
Total 27,203 27,570 27,170
Employee Composition by Age Group and Gender [2-7, 405-1]
2024 2023 2022
Age Group
Male Female Male Female Male Female
> 50 Years 1,310 1,031 1,359 1,035 1,601 1,032
> 45-50 Years 1,975 1,452 1,625 1,222 1,285 1,037
> 40-45 Years 1,081 1,186 1,543 1,550 1,965 1,838
> 35-40 Years 2,635 2,820 2,103 2,181 1,603 1,550
> 30-35 Years 2,809 3,494 3,064 3,834 3,210 4,075
> 25-30 Years 2,532 3,190 2,719 3,462 2,724 3,597
≤ 25 Years 712 976 779 1,094 643 1,010
Total 27,203 27,570 27,170
Employee Composition by Position Level and Gender [2-7, 405-1]
2024 2023 2022
Position Level
Male Female Male Female Male Female
≥ Senior Vice President* 91 31 83 28 68 25
≥ Vice President 205 72 156 49 181 50
Assistant Vice President 887 434 846 407 901 413
Manager 2,259 1,647 2,027 1,491 2,016 1,420
Assistant Manager 5,519 5,806 5,691 5,860 5,380 5,640
≤ Assistant** 4,093 6,159 4,389 6,543 4,485 6,591
Total 27,203 27,570 27,170
Information:
The proportion of senior managers employed are Indonesian citizens (WNI) [202-2]
*) Consists of: Senior Vice President, Executive Vice President, and Senior Executive Vice President
**) Consists of: Assistants and Basic Employees
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 111
Page 112
Employee Composition by Education Level and Gender [2-7]
2024 2023 2022
Education Level
Male Female Male Female Male Female
Doctoral Degree 13 3 9 4 7 4
Master’s Degree 1,634 1,274 1,625 1,219 1,627 1,151
Barchelor’s Degree 10,531 11,620 10,515 11,731 10,355 11,511
Diploma Degree 593 1,249 724 1,421 679 1,467
Primary to High School 283 3 319 3 363 6
Total 27,203 27,570 27,170
Other Employees Not Employed by BNI [2-8]
In addition to full-time employees, BNI also employs workers through outsourcing partnerships with
service providers (vendors) to support the bank’s operational activities. BNI ensures that all employees,
including outsourced workers, are provided with a work environment that fosters mutual respect and
upholds human rights. In its collaborations with third parties, BNI consistently strives to comply with
applicable regulations and laws. In 2024, there were 16,089 outsourced employees, the majority of whom
were assigned to assistant-level roles, such as cleaning services, drivers, and other similar positions.
Sustainability Report 2024
112 PT Bank Negara Indonesia (Persero) Tbk
Page 113
Recruitment, Retention, and Turnover Rate [401-1]
As part of its Employee Value Proposition (EVP), During the reporting period, some employees
“Together, creating the best place to contribute, left the company for various reasons, including
learn, and grow, to become the pride of the nation,” voluntary resignation. To maintain the company’s
BNI is committed to managing human capital by performance, BNI strives to retain its employees
implementing an integrated human resources by promoting healthy industrial relations, offering
policy that spans recruitment through to employee competitive remuneration and benefits in line
departure. This process aims to motivate and with the industry average, providing competency
retain employees. Recruitment is conducted development, and offering opportunities for career
based on available positions and alignment with advancement.
BNI’s cultural values. BNI has several programs
to ensure the availability of talent that meets BNI measures employee retention through the
business needs and future leadership roles, such turnover rate. As of December 31, 2024, BNI’s
as the Early Recruitment Program (ERP), which turnover rate was 1.7%. BNI considers that the
provides scholarships to high-achieving students achievement and opportunities in implementing
from top universities to become prospective BNI the employee value proposition within the bank
employees, as well as the Assistant Development are commendable, leading to a turnover rate that
Program (ADP) and the Officer Development remains better than the industry average.
Program (ODP). The ODP program includes both
external and internal candidate searches, with
the internal ODP program training employees for
promotion to higher positions. Additionally, BNI 1.7% 1.2% 1.5%
participates in the Joint Recruitment Program for
State-Owned Enterprises (PBB) organized by the
Ministry of SOEs.
Further details about each recruitment program Turnover
can be found in the 2024 Annual Report. During the rate
recruitment process, BNI is committed to fostering
an inclusive work environment that values 2024 2023 2022
employee diversity. We also welcome candidates
from various backgrounds without discrimination
based on race, gender, or other attributes,
ensuring equal opportunities for everyone to join
the company.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 113
Page 114
Composition of New Employees by Age Group and Gender [401-1]
2024 2023 2022
Age Group
Male Female Male Female Male Female
< 30 Years 410 430 764 790 494 579
30-50 Years 84 39 78 33 45 18
> 50 Years 12 1 13 7 8 2
Total 976 1,685 1,146
Composition of New Employees by Operational Regions and Gender [401-1]
2024 2023 2022
Operational Regions
Male Female Male Female Male Female
Head Office 364 236 657 477 346 254
Regional Office 01 10 16 11 21 5 14
Regional Office 02 3 10 19 25 6 16
Regional Office 03 4 7 5 6 53 52
Regional Office 04 7 17 15 30 8 20
Regional Office 05 6 21 11 26 20 19
Regional Office 06 16 11 22 31 12 27
Regional Office 07 11 19 11 23 11 23
Regional Office 08 14 16 10 20 2 19
Regional Office 09 4 4 3 5 7 5
Regional Office 10 15 14 10 21 6 26
Regional Office 11 4 11 4 16 9 15
Regional Office 12 5 21 10 21 2 20
Regional Office 14 13 18 11 21 3 23
Regional Office 15 8 22 13 34 5 21
Regional Office 16 5 5 11 10 12 8
Regional Office 17 11 12 18 19 24 12
Regional Office 18 5 10 14 24 16 25
Overseas Branch 1 0 0 0 0 0
Total 976 1,685 1,146
Composition of Employee Turnover by Age Group and Gender [401-1]
2024 2023 2022
Age Group
Male Female Male Female Male Female
< 30 Years 59 98 35 100 51 102
30-50 Years 106 174 74 114 97 146
> 50 Years 7 7 6 3 12 11
Total 451 332 419
Sustainability Report 2024
114 PT Bank Negara Indonesia (Persero) Tbk
Page 115
Composition of Employee Turnover by Operational Regions and Gender [401-1]
2024 2023 2022
Operational Regions
Male Female Male Female Male Female
Head Office 68 50 37 49 34 44
Regional Office 01 4 10 5 6 5 11
Regional Office 02 7 23 0 9 10 10
Regional Office 03 8 9 5 6 7 14
Regional Office 04 9 16 7 16 16 13
Regional Office 05 3 8 4 16 5 13
Regional Office 06 8 22 11 14 16 31
Regional Office 07 3 8 6 5 10 7
Regional Office 08 5 12 4 7 2 7
Regional Office 09 10 34 9 20 10 25
Regional Office 10 2 10 2 10 10 10
Regional Office 11 8 5 2 4 4 6
Regional Office 12 5 12 6 8 2 12
Regional Office 14 5 15 4 11 4 13
Regional Office 15 7 8 5 8 1 14
Regional Office 16 2 5 3 9 3 5
Regional Office 17 5 15 1 4 8 11
Regional Office 18 13 17 3 15 13 13
Overseas Branch 0 0 1 0 0 0
Total 451 332 419
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 115
Page 116
Respecting Human Rights and Diversity [2-3, 408-1, 409-1]
The Collective Labor Agreement (CLA) outlines the rights and obligations between the company and
employees, as well as other labor-related aspects, including respect for human rights. The CLA includes
regulations regarding working hours and rest periods in Chapter VI, Article 20, which affirms that forced
labor is not practiced at BNI. The CLA also governs overtime, which is agreed upon by employees and
management to address urgent tasks. Furthermore, BNI ensures that all employees meet the minimum
legal working age, thus preventing child labor.
Creating a Respectful Working Place
Recognizing the diverse characteristics of its Place/RWP) within State-Owned Enterprises. BNI
workforce, BNI is committed to fostering a work upholds a zero-tolerance policy for harassment and
environment built on mutual respect, free from discrimination, enforcing administrative sanctions
discrimination, exclusion, harassment, bullying, and for any RWP violations. Employees can report such
any form of violence. This commitment is upheld violations through designated channels, including
through the implementation of comprehensive the Whistleblowing System (WBS) or directly to
labor policies. The Board of Directors, particularly their Line Manager/Unit Leader.
the Director of Human Capital and Compliance,
is responsible for overseeing and ensuring the BNI upholds the principles of equality and dignity
effective implementation of these policies. for every individual by implementing a strict policy
against sexual harassment and discrimination
BNI’s labor policies integrate human rights in any form. BNI is committed to creating an
principles in alignment with the standards set by inclusive work environment that respects diversity,
the International Labour Organization (ILO), United providing secure reporting channels, transparent
Nations Global Compact (UNGC), and applicable handling mechanisms, and continuous education
labor and human rights regulations. to raise awareness and prevent actions that violate
these values.
All BNI employees have access to the company’s
human rights policies, which are outlined in the Following the guidance from the Ministry of
Code of Conduct (e-PP) and the Collective Labor State-Owned Enterprises through Letter No. SE-1/
Agreement (CLA) through the DigiHC and DigiCM MBU/01/2024 dated January 18, 2024, BNI has
platforms. Any new policies or updates will be established regulations in the Company Guidelines
communicated in the form of infographics via under Instruction No. IN/013/HCS/001 regarding
DigiHC to ensure effective information delivery. the implementation of a Respectful Working
Additionally, policy socialization is regularly Place. This initiative aims to create a safe and
conducted for employees and relevant functions, comfortable work environment that respects and
with the frequency adjusted based on operational protects the dignity of every individual, promotes
needs. mutual respect, and is free from discrimination,
exclusion, restriction, bullying, harassment, and
Furthermore, BNI’s commitment to fostering all forms of violence, both mental and physical, for
a respectful work environment, free from all BNI Group employees.
harassment and discrimination in the workplace
or related activities is formalized in the Respectful The Respectful Working Place policy is enforced
Working Place policy. This policy aligns with the and communicated to all employees with the goal
Ministry of State-Owned Enterprises (SOE) Circular of creating a work environment that prioritizes
Number SE-3/MBU/04/2022 on the Policy of Mutual mutual respect, free from discrimination,
Respect in the Workplace (Respectful Working exclusion, restriction, bullying, harassment, and
Sustainability Report 2024
116 PT Bank Negara Indonesia (Persero) Tbk
Page 117
4. Providing opportunities to carry out religious
obligations, where every BNI office is provided
with a place to worship.
5. Providing remuneration above the Provincial
Minimum Wage/City/Regency Minimum Wage
and in determining the basic salary, there is no
gender distinction. [202-1, 405-1]
6. Provide leave rights for all employees,
including menstrual leave for a maximum of
two days by submitting a doctor’s certificate
and three calendar months leave for women
who give birth, and no other normative rights
are reduced when returning to work. [401-3]
7. Providing the right to be absent from work while
still receiving wages/salary without reducing
leave rights following the right to permission
to be absent from work mandated by law by
all forms of violence, both mental and physical. submitting a written request to the immediate
This is aimed at fostering an inclusive, conducive, superior with valid evidence.
and productive work environment that supports
the company’s sustainability and upholds human
rights.
Career Opportunities for
Employees with Disabilities
As part of the Respectful Working Place initiative, BNI pays particular attention to employees with
BNI has enhanced its employee well-being disabilities and promotes gender equality across
program through the BNI Holistic Employee the company, its subsidiaries, and consolidated
Well-Being Program, which focuses on mental & affiliates. Employees with disabilities are given
physical health, financial health, and social health. equal opportunities to join BNI, considering
Several initiatives have been launched, including their skills and competencies in determining
Employee Assistance Program 2.0, the provision appropriate positions and job types. BNI also
of daycare services named BNI Little Explorers, provides facilities to support the comfort and
financial health through the new Pension Health productivity of employees with disabilities, such as
Fund (DKMP), and social health initiatives, such as lifts, accessible parking spaces and toilets, ramps,
46Society or the employee community. wheelchairs, walking aids, and more. In 2024, there
were 22 employees with disabilities.
Concrete manifestations of the application of
Human Rights Principles in HR Management
include:
1. BNI prioritizes the principles of diversity, equal
opportunity to work, and upholds the principle
of non-discrimination.
2. Empowering 22 employees who have physical
limitations (difabel).
3. Providing opportunities for unionization and
assembly through the existence of Workers
Union.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 117
Page 118
Increasing the Role of Women at In 2024, various Srikandi programs were
implemented to support the productivity of
the Managerial Level employees, particularly women. These included
The company has implemented the Accelerated
support for physical and mental health through the
Career Track policy to promote the career
Respectful Working Place (RWP) programs, daycare
advancement of female talent and increase their
services, webinars, the 46Society community,
representation in leadership positions (Assistant
and collaboration with Srikandi BUMN. For more
Vice President and above). This policy has
information, you can visit the Srikandi BNI social
successfully increased the proportion of female
media on Instagram: srikandi.bni.
talent at the leadership level over the past three
years.
31.2% 30.9% 29.8% Labor Union and Collective
Labor Agreement [2-30, 407-1]
BNI ensures the right of all employees to freedom
Female employees of association and assembly through the
holding managerial establishment of the Labor Union. In maintaining
positions and above a good relationship with the Union, BNI has taken
(%) [405-1] several steps, including:
1. Responding promptly to input from the Labor
2024 2023 2022
Union.
The company remains committed to prioritizing 2. Communicating openly and transparently to
equality and justice in human resource prevent and/or resolve industrial relations
empowerment and creating an inclusive work disputes.
environment. Support for gender equality and 3. Maintaining regular communication with the
women’s empowerment is realized through Labor Union through joint management-union
equitable policies, such as menstrual leave; forums.
childcare facilities (daycare); maternity leave; the
Employee Assistance Program (EAP) to support Management and the Union have jointly drafted
employees’ physical, mental, and financial well- the current CLA for the period of 2024-2026, based
being; breastfeeding rooms in each building; and on a spirit of partnership and togetherness with a
flexible work arrangements. familial principle for all BNI employees.
Additionally, BNI has established Srikandi BNI Employee Grievance Mechanism
as a platform for employees’ creativity to raise BNI provides channels for employees to submit
awareness of career development based on complaints, including those related to employment
competencies and employee performance, relationships, which can be addressed to direct
regardless of gender status. The creation of Srikandi supervisors or through official communication
BNI reflects BNI’s commitment to implementing channels such as call center or email. In addition,
the spirit of female leadership, thereby providing the Labor Union can assist in escalating complaints
a positive impact on the advancement of to the Company’s Management in a structured
women through the values of caring, inspiring, manner. Complaints related to legal violations,
and collaboration, which are crucial to an internal policies, and the company’s code of ethics
organization. The presence of Srikandi BNI is can be submitted through the Whistleblowing
expected to encourage all employees, particularly System (WBS), known as “WBS to CEO,” which is
women, to support each other and develop managed by an independent external party.
their personal and professional capabilities.
Sustainability Report 2024
118 PT Bank Negara Indonesia (Persero) Tbk
Page 119
Employee Competency Development [404-2]
Competency Development Types and Scope of Competency
Policy Development Programs
In competency development, BNI complies with The types and scope of competency development
OJK Regulation No. 24 of 2022 on the Development programs at BNI have been adjusted to meet their
of Human Resources Quality in Commercial Banks. intended purposes.
This ensures that all employees, both permanent
and contract-based, are entitled to participate Learning programs to enhance employee
in training and competency development. capabilities in support of BNI’s business
Additionally, BNI provides opportunities for These learning programs cover eight training
employees to enhance their knowledge and skills and development areas: Leadership; Finance &
in relevant job fields. Human Capital; IT, Digital & Operations; Legal,
Governance, Audit & Compliance; Network &
BNI regularly organizes training and development Services; Retail Banking; Risk; and Wholesale,
programs aimed at enhancing the quality of human Treasury & International Banking. The objectives
resources, strengthening future competitiveness, of each training and development area are detailed
and creating a more productive and innovative in the 2024 Annual Report, under the section on
work environment. Through BNI University, BNI Competency Development Based on Job Level and
ensures employee competency development by Gender Equality.
designing learning strategies aligned with BNI’s
needs and offering various training programs, Learning programs to support leadership
including Sustainable Finance topics. capability
BNI’s succession planning program is structured
Employee competency and capability development to ensure leadership continuity and preparedness
at BNI is carried out through three main approaches: for future challenges. Leadership programs are
1. Capability Development Based on Employee available to all employees at the officer level.
Categories Further details on leadership development can be
This development is categorized into two types: found in the 2024 Annual Report under the section
• Employee Development, aimed at improving Competency Development by Position Level and
employee performance in their current Gender Equality.
positions/functions.
• Talent Development, focused on developing
high-performing employees (talents) to take
on higher positions/functions.
2. Position-Based Capability Development
Development is tailored to the competency
requirements of a specific position. This
development is mandatory, thematic, and
individual, adjusted to the needs of the
individual, whether for current or future roles.
3. Tiered Capability Development
Development is based on employee levels, with
cross-functional programs such as Leadership
Programs, Risk Management, and Human
Capital Programs.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 119
Page 120
The Board of Directors, Board of Commissioners, Learning programs to support employee
and employees one level below the Directors preparation for retirement
are given equal opportunities to enhance their BNI provides a Pre-Retirement program to prepare
leadership capabilities through the Board Level employees who are approaching retirement
Program and Advanced Management Leadership with essential skills and knowledge, including
Program. These initiatives include Executive self-empowerment strategies, coping with
Education, Roundtable Mentoring, Top Executive psychological changes, healthy living habits,
Sharing, TOP GUN (part of SOE’s School of retirement financial planning, and entrepreneurial
Excellence), and Business Essential (part of SOE’s opportunities. In 2024, pre-retirement training
School of Excellence). These programs aim to focused on topics such as Wisdom Living, Healthy
enrich leadership insight and skills, aligned with Lifestyle, Financial Planning, and Leveraging
strategic issues, market developments, and Assets.
development interests to support BNI’s objectives
and/or their respective fields of work. [2-17] Postgraduate education program
To fulfil its Employee Value Proposition (EVP) as
BNI collaborates with prestigious institutions to the best place to learn, grow, and contribute, BNI
offer its Board Level Program, partnering with provides employees with opportunities for self-
renowned business schools and universities such development by pursuing postgraduate education
as Harvard Business School, MIT Sloan Executive through:
Education, Stanford Graduate School of Business, a. Self-Development Program (SDP), this program
Columbia Business School, and IMD Business offers reimbursement of educational expenses
School. Furthermore, the Advanced Management for employees who have completed domestic
Leadership Program is conducted in partnership academic education at the bachelor’s, master’s,
with IMD Business School, MIT Sloan Executive or doctoral levels and have met all requirements
Education, and INSEAD. of the SDP. The chosen field of study must be
relevant to BNI’s business operations, such as
Computer Science, Economics & Econometrics,
Statistics, Mathematics, Accounting & Finance,
Business & Management, and Law.
b. Global Postgraduate Program (GPP), this is
a globally oriented employee development
program that provides scholarships for
postgraduate (master’s) studies at top
international universities ranked within the
top 30 universities per subject area based on
the QS World University Rankings. The GPP
is designed for high-performing employees
categorized as talent and who meet all GPP
program requirements.
Sustainability Report 2024
120 PT Bank Negara Indonesia (Persero) Tbk
Page 121
Competency Development on 6. Ensuring Compliance – Social Media in
Regulated Industries
Sustainable Finance [2-17, 404-2, FS4] 7. Implementation of Governance, Risk &
BNI’s commitment to sustainable finance is
Compliance (GRC)
demonstrated through the development of
8. Mastering Financial Literacy to Enhance
training modules on Environmental, Social, and
Transaction Security
Governance (ESG) issues and risks, sustainability
9. Leaders Talk: Fostering a Global Mindset
principles, and sustainable finance. These
Toward the Future Business Ecosystem
modules are created in collaboration with Subject
10. Leaders Talk: Agile & Digital Mindset
Matter Experts (SMEs), consultants, and other
Experience – Transforming Markets & Fostering
qualified professionals to equip employees with
Collaboration
a comprehensive understanding of sustainability
11. Leaders Talk: Optimizing Organizational
concepts, ESG risk management, and corporate
Transformation Through Strategic Delegation
sustainability report analysis.
12. Leadership Development and Organizational
Resilience in a Transforming Industry
Aligned with the Sustainable Finance Action Plan
13. Applying the Business Judgment Rule in Risk
(RAKB), BNI aims to enhance the competencies
Management
of 93% of its employees in sustainable finance by
14. Implementation of the Personal Data Protection
2024. By the end of the reporting period, 98.1%
Law (PDP)
of employees, approximately 26,425 people, had
participated in sustainable finance development
Sustainability training is also provided to specific
programs through the e-Learning Mandatory
divisions. The program covers various topics, such
Sustainability Finance program. The mandatory
as Greenhouse Gas (GHG) Calculation, Mitigation,
e-learning topics provided for all employees
Audit, and Reporting, which was attended by the
include:
ERM Division; Raising Awareness on Operational
1. Gratification Control and Anti-Bribery
Carbon Emissions Reporting, attended by 99
Management Systems
participants, including relationship managers and
2. Anti-Fraud Awareness
division and branch managers; Global Reporting
3. Anti-Money Laundering
Initiative (GRI) Standards Certified Training,
4. Workplace Culture
attended by those responsible for sustainability
5. Good Corporate Governance
reporting; and Indonesia Sustainable Finance
6. Risk Culture
Taxonomy (TKBI), attended by 30 employees from
7. Sustainable Finance
the Business and Risk Divisions. Additionally, in
8. Personal Data Protection
2024, a webinar focused on green MSME financing
was attended by particular divisions.
In addition to e-learning mandatory, employees
also participate in mandatory webinars. In 2024,
On the other hand, BNI recorded that 12 members of
the total number of webinar attendees reached
the Board of Directors and 11 members of the Board
220,927 viewers. The mandatory webinar topics
of Commissioners participated in sustainability-
covered included:
related training sessions. These sessions covered
1. Anti-Fraud Awareness
a range of topics, including Navigating Risks
2. Business Ethics: Strengthening Organizations
Towards Business Resiliency and Sustainability,
Through Conflict of Interest Prevention &
Sustainability Stronger Together, ESG
Management
Management and Sustainability, BUMN Corporate
3. Business Ethics: Anti-Bribery and Anti-
Communication and Sustainability Summit
Corruption Strategies
(BCOMSS), Navigating Global Market Forces and
4. Compliance Forum
Technology Innovation for Sustainable Business,
5. Driving Innovation – Beyond Boundaries for
Leading & Sustaining a Culture of Innovation,
Everyday Improvement
Building Internal Capability, Sustainable Talent
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 121
Page 122
Management and Culture Transformation, Leading Utilization of Technology and
Change & Organizational Renewal, Generative
AI & Business Transformation, and the Certified
Digitalization in Competency
Governance Oversight Professional (CGOP): Development
Master Class on Corporate Governance (CRMS). BNI utilizes technology to enhance its employee
training programs, including mandatory e-learning,
Additionally, members of the Board of Directors the Daily Exercise Employee Program (DEEP46) via
and Board of Commissioners actively served as the BNI Learning Management System namely BNI
speakers in external sustainability training sessions. Smarter, webinars hosted on the BNI University
Throughout 2024, they delivered material in nine YouTube channel, and third-party digital learning
sessions covering various topics, such as the CFO platforms such as GoFluent, LinkedIn Learning,
Forum (Climate Change Threatening Economy and Coursera, Udemy, and Moody’s.
Business: CFOs’ Financial Strategies); Empowering
Women in Finance Conference (Empowering Employees are required to complete e-learning
Women by Embracing Technology); Empowering mandatory, with the results reported to regulators.
Women with AI (Women’s Strategic Role in DEEP46 offers concise learning sessions on daily
Advancing AI for Inclusive Growth); Kelana Wastra work-related topics through daily quizzes, while
Fest Fashion Talkshow for Indonesia 2024 - Creative further skill development is facilitated through
Financing: Meeting the Needs of Fashion MSMEs; webinars and digital learning platforms. All
Challenges and Opportunities in Empowering training activities are overseen by BNI University
MSMEs to Support the Realization of Indonesia’s and recorded within the Integrated Human Capital
Vision 2045; FHCI Sharing Session - Unlocking System (IHCS).
Global Opportunities: Key Insights for Business-
Savvy Professionals; Crafting Future Strategies;
CFO Financial Strategies Amid Climate Change Realization of Employee
Threats to Economy and Business; Issuance of Competency Development
Global Bonds and BNI’s Transformation to Address As of December 2024, BNI has implemented
2024 Challenges; and CTO Strategies for the Future various competency development programs for
of Digital Payments. 26,919 employees, ranging from new entry-level
to executive positions. These programs cover
all employees regardless of their employment
status, with an average frequency of 10 sessions
for permanent employees, 10 sessions for contract
employees, and 9 sessions for trainees. A total
of Rp200.9 billion has been allocated for these
programs.
Average Training Hours Based on Gender [404-1]
2024 139.1
2023 153.7
2022 185.3
Male
2024 129.5
2023 134.2
2022 171.5
Female
Sustainability Report 2024
122 PT Bank Negara Indonesia (Persero) Tbk
Page 123
Average Training Hours Based on Position Level and Gender [404-1]
Employees Participating
Training Hours a Year Average Training Hours
Position Level in Training
Male Female Male Female Male Female
≥ Senior Vice President *) 88 31 12,065.4 4,068.4 137.1 131.2
Vice President 201 71 20,452.2 8,204.7 101.8 115.6
Assistant Vice President 860 125,343.2 59,766.6 145.7 141.6
422
Manager 2,211 273,015.0 201,132.1 123.5 125.0
1,609
Assistant Manager 5,452 979,211.3 936,389.3 179.6 163.2
5,736
≤ Assistant **) 4,084 384,228.6 606,753.2 94.1 98.6
6,154
Total 26,919 3,610,630.0 134.1
Note:
The data presented includes categories of active permanent employees, contract employees, and trainees (excluding employees in retirement preparation, unpaid
leave, medical leave, and assignments outside of BNI, in total of 278 employees).
*) Includes: Senior Vice President, Executive Vice President, and Senior Executive Vice President.
**) Includes: Assistants and Entry-Level Employees.
In addition to sustainability-related topics, BNI regularly conducts training on debt collection policies. In
2024, the training was delivered through Zoom meetings as well as in-class sessions.
Training on Debt Collection Policy in 2024
Participant Scope Training
Training Number of
Training Name Permanent Contract Frequency
Format Participants
employees Employees (within 1 year)
Agency Recovery Meeting Jakarta In Class 228 v x 12 times
Training (3rd Party)
Agency Recovery Meeting Non- Zoom 1,200 v v 12 times
Jakarta
Effective Collaborative Leadership In Class 30 v x 1 time
Training
Training for Trainers - In Class 37 v x 1 time
Restructuring Training
Jabodetabek Restructuring In Class 277 v v 1 time
Training Training
Restructuring Training Outside Zoom 711 v v 1 time
Jabodetabek
Mobile Collection - Card Zoom 159 v v 1 time
Socialization
Website Lelang - Consumer Zoom 162 v v 1 time
Socialization
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 123
Page 124
Employee Welfare
Remuneration and Other Benefits for Employees [2-20, 202-1, 401-3, 405-2]
BNI determines remuneration and other benefits or miscarriage. Furthermore, female employees
based on job grade, position, and employee who give birth under special circumstances are
performance, without discrimination based on entitled to an additional maternity leave of up
gender, ethnicity, race, religion, or status, ensuring to 3 months. Male employees are also granted
a 1:1 ratio for equivalent positions. Employee an additional leave of up to 3 days if their wives
remuneration at the lowest level is above the give birth under special circumstances. This is in
regional minimum wage (UMP/UMK), adjusted accordance with the implementation of Law No.
according to the work area, in compliance with 4 of 2024 regarding the welfare of mothers and
applicable regulations. children during the first 1,000 days of life.
The remuneration policy is outlined in the HC In 2024, a total of 1,092 female employees utilized
Policy, which has been approved by the Board their maternity leave entitlement. Meanwhile, 589
of Commissioners, and its implementation male employees took leave to accompany their
procedures are determined by the Board of wives during childbirth, and all of them (100%)
Directors. In practice, the development of have returned to work. Furthermore, all (100%)
employee remuneration involves and/or utilizes female employees who completed their maternity
data/information from remuneration consultants leave have returned to their same positions.
to gather information on BNI’s remuneration
positioning in the market, which is then proposed Benefits Received Based on Employment Status
for approval by the Board of Directors. Employee [401-2]
remuneration at BNI is also monitored and Contract
Type of Benefit*) Permanent Trainee
overseen by the Board of Commissioners, including **)
through the Nomination and Remuneration Pension v v v
Committee and/or meetings between the Board
Holiday v v v
of Directors and the Board of Commissioners. Allowance
Additionally, management involves the Employee
Bonus v v x
Union in discussions regarding the development
Health Facilities/ v v v
and implementation of employee remuneration
Medical Benefits
policies.
Leave Benefits v v v
In addition to remuneration, BNI provides leave *) The allowances mentioned apply to all BNI offices.
**) The allowances/benefits for contract employees are in accordance with the
entitlements to all employees in accordance with
terms agreed upon in the employment agreement.
the Collective Labor Agreement (CLA) Articles
27 to 33, which include annual leave, long leave,
menstrual leave, maternity leave, and leave for
work absences as per applicable regulations. In the
case of childbirth, female employees are entitled
to three months of maternity leave, including in
cases of miscarriage or abortion. This entitlement
is complemented by a guarantee to return to work
with the same status and rights after the leave.
Meanwhile, male employees are entitled to two days
of leave to accompany their wives during childbirth
Sustainability Report 2024
124 PT Bank Negara Indonesia (Persero) Tbk
Page 125
Retirement Program [201-3]
To provide post-retirement welfare for employees who have dedicated themselves to growing together with
BNI, the company offers a retirement program for its employees, as outlined in the CLA, Articles 52 to 56. This
program includes:
• Pre-Retirement Program (MPP), is a program designed to prepare employees for retirement. This voluntary
program can be undertaken one year prior to retirement.
• Retirement Program:
1. Defined Benefit Pension Program (PPMP): is available for employees appointed as permanent staff
before September 1, 2005. This program is funded by a 7.5% contribution from the employee’s basic
pension income and a company contribution based on actuarial calculations.
2. Defined Contribution Pension Program (PPIP): is available for employees appointed as permanent staff
on or after September 1, 2005. The contribution consists of 3.5% of the employee’s total income, while
the company contributes 11.5% of the total income.
• Retirement Period Health Fund Program (DKMP): is a defined contribution program that aims to help
employees and their spouses prepare for healthcare benefits in retirement. Contributions begin while the
employee is still actively working.
• In addition, BNI also provides programs mandated by the government through BPJS Employment to prepare
for retirement, including the Old Age Security (JHT) program and the Pension Guarantee (JP) program.
In 2024, a total of 479 employees reached retirement age, consisting of 209 males and 270 females.
Performance Appraisal and Career Path [404-3]
Employee performance is a key factor in achieving To support objectivity in performance assessments,
BNI’s strategic and business objectives. Therefore, BNI implements a 360-degree multirater survey
BNI has developed a performance management involving the employee’s direct supervisor or other
policy centered around three significant aspects supervisors, colleagues, and subordinates who have
of the performance cycle. The performance cycle coordinated and collaborated with the employee on
at BNI is a continuous process that includes Goal projects or tasks.
Setting to establish targeted performance objectives,
Performance Driving to encourage the achievement The results of the performance evaluation serve as
of these goals, and Performance Evaluation as a a basis for determining rewards and remuneration,
mechanism to assess employee performance. capability development, and career planning.
Employees who meet the objective criteria set
BNI conducts a comprehensive and annual by the human resources committee are eligible
performance assessment process for all employees to to participate in promotion or job advancement
foster a performance-driven culture. This assessment programs. To support the continuous development of
process is implemented transparently and includes its employees, BNI also fosters a culture of continuous
mechanisms such as self-assessment, 360-degree feedback through One-On-One discussions held
survey multirater, and One-On-One discussions at the beginning of the year after the performance
between employees and their line managers. The assessment. These discussions aim to create an
assessment is based on the achievement of individual Individual Development Plan (IDP) that serves as a
Key Performance Indicators (KPIs), ensuring that guide for the employee’s development throughout
there is no discrimination based on ethnicity, religion, the year.
race, gender, social status, or any other factors that Composition and Percentage of Permanent
violate human rights in the evaluation process. Employees Receiving Reviews [404-3]
The evaluation criteria for specific divisions also 2024
include sustainability aspects. One of the divisions Status Gender
Total %
evaluated for sustainability is the Enterprise Risk
Review One Male 12,200 48%
Management Division. The sustainability criteria on One Career Female 13,178 52%
evaluated include performance related to the green Development
Total 25,378 100%
portfolio, ESG Framework, and BNI’s ESG Rating.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 125
Page 126
Promoting Work-Life Balance through Wellbeing Culture Program
BNI regards its employees as a vital element in 5. Flexible Working Hours
achieving the organization’s vision and mission. Employees can work flexibly through Flexitime,
Therefore, BNI is committed to supporting a flexible work schedule arrangement available
employee well-being and health by implementing via the DigiHC application.
the Employee Wellbeing Program in line with the
mandate of SOE Minister Circulation No. SE-1/ In addition to the above programs, BNI recognizes
MBU/01/2024 on Employee Wellbeing Policy (EWP) that strengthening employee well-being is crucial
within State-Owned Enterprises. for sustaining and enhancing productivity. In 2024,
BNI launched the BNI Holistic Employee Wellbeing
To foster a workplace that employees take pride Program, focusing on three key areas: mental
in, drive performance, and support the Employee & physical well-being, financial well-being, and
Wellbeing Program, BNI has introduced the social well-being. This initiative aims to create a
Employee Wellbeing Guidebook. This guide supportive and balanced work environment that
serves as a reference for leaders and employees empowers employees to thrive both personally
to understand the importance of workplace well- and professionally.
being. Through this initiative, BNI aims to enhance
employee engagement, ultimately contributing to
increased organizational productivity. EAP 2.0
1. BISASAPA
Employee Assistance Program 2.0 x
Naluri Konsultasi berbasis digital
terkait mental, fisik, dan finansial.
Health Financial
BISA (CAN) is a coaching and mentoring culture Mental & Physical
Consultation
Financial Consultation
• Financial Check
aimed at improving communication quality • EAP 2.0
with Naluri
Up with Naluri
• New Dana
• BNI Kesehatan Masa
BNI
among employees, both between leaders and
Daycare Pensiun (DKMP)
WELLBEING
their teams, as well as among colleagues. In PROGRAM New DKMP
(Dana Kesehatan Masa Pensiun)
addition to BISA, there is the SAPA (GREET)
program, which encourages the habit of Social
Social communities
greeting one another by name, along with the 46 Society (Communities)
use of the three magic words: “sorry,” “please,” 46Society sebagai
wadah komunitas
Daycare Khusus Pegawai pegawai BNI.
and “thank you,” to strengthen mutual respect
among employees.
2. Let’s Get It Done
Let’s Get It Done is a program designed to • Employee Assistance Program 2.0
enhance the quality of meetings by ensuring The Employee Assistance Program (EAP)
more efficient and effective outcomes. This is a corporate benefit designed to provide
program emphasizes the importance of having professional support for employees facing
a clear agenda and maintaining focus on the work-related challenges or personal
effectiveness of each meeting. situations that may impact their productivity,
3. Wellness Day performance, and interpersonal relationships.
Wellness Day is a program focused on wellbeing This program aims to help both the company
activities to provide direction to all employees and its employees maintain a healthy work
to do sports activities together on the 10th of environment by offering guidance and
every month. resources to navigate various professional
4. BNI Community (46Society) and personal difficulties effectively.
BNI has several communities formed based on
sports, arts, and employee hobbies which are
gathered in a container called 46Society which
is actively engaged in sports, arts, hobbies, and
so on.
Sustainability Report 2024
126 PT Bank Negara Indonesia (Persero) Tbk
Page 127
In 2024, BNI collaborated with professional Employee Engagement and
consultants to provide an Employee Assistance
Program (EAP) through a dedicated mobile
Satisfaction
application accessible to all employees. This BNI recognizes that employee job satisfaction
platform enables employees to consult with contributes to positive engagement with the
experts on mental and physical health, as well organization. Therefore, BNI regularly conducts
as design personalized programs tailored to employee satisfaction surveys as a means
their specific health needs and goals. Through of interaction to monitor satisfaction and
this initiative, BNI aims to enhance employee engagement levels. The surveys are conducted
well-being by offering convenient and through the DigiHC platform, where all employees
professional support for maintaining a healthy can participate by completing the available
and balanced lifestyle. questionnaires.
On November 14, 2024, BNI hosted the BNI Culture The survey results are used as a basis for
Fest 2024, an event that introduced the Employee improvements to enhance employee engagement
Wellbeing Program as a key initiative to enhance in the future. After 2023, the engagement
employee safety and comfort. This program is measurement methodology was adjusted to
built on three core principles: health, financial provide more comprehensive and in-depth
well-being, and social well-being. The event results. The employee engagement measurement
marked the culmination of an advanced phase in in 2024 assessed the average satisfaction level
strengthening corporate culture, aligning with of employees across 9 key drivers: Leadership,
BNI’s transformation efforts to drive performance Work Climate, Work Infrastructure, Training &
excellence. Development, Career, Performance Evaluation,
Work-Life Balance, Reward & Remuneration, and
Organizational Policies.
In 2024, BNI adjusted its employee engagement
measurement methodology by adopting the
Employee Net Promoter Score (NPS) to better
reflect employee engagement levels. The
engagement score for 2024 reached 35%, marking
an improvement from 34% in 2023. This indicates a
growing sense of engagement among employees
• BNI Little Explorers
toward BNI. The employee engagement survey is
BNI Little Explorers Daycare is a childcare
conducted once a year.
facility designed for employees’ children aged
1–4 years, managed in collaboration with
professional daycare providers. Equipped
with comprehensive facilities, it features a 35% 34% 30%
2024 2023 2022
safe and clean environment, open-ended toys
to foster children’s imagination, and qualified
professionals, including regular visits from child Employee Engagement Rates (NPS)
psychologists and pediatricians. Additionally, Scale Description:
<0: Needs Improvement | 0-30: Fair | 30-70: Good | >70: Very Good
the daycare provides nutritious meals curated
and monitored by nutrition experts. This
initiative aims to enhance employee well-being,
particularly for working parents, while also
supporting work-life balance and productivity.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 127
Page 128
Decent, Healthy, and Safe Workplace
Access to Safety and Health Incident Reporting Mechanism
Facilities [403-1, 403-3, 403-4, 403-5, 403-6, 403-7, 403-8] [403-2, 403-4]
BNI prioritizes the creation of a Respectful Working We have established a communication procedure
Place by providing a healthy, suitable, and safe for employees who need to request leave or leave
work environment for all employees. To support the office due to health or safety issues. Employees
this, BNI offers various supporting facilities, such who are unwell can apply for leave to leave the
as dining areas, breastfeeding rooms, a daycare office and report their health condition to their
center, and sports facilities. immediate supervisor.
In terms of health, BNI ensures easy access to BNI also provides a complaint mechanism for
medical services through clinics located at Grha employees to report potential hazards, asset
BNI, Menara BNI, Plaza BNI, and Gedoeng BNI. damage, or issues related to building facilities.
Employees requiring referrals can access partner Reports can be made via telephone/WhatsApp or
hospitals in the DKI Jakarta area or in nearby cities through an official damage report submitted to
for operations outside Jakarta. Additionally, BNI the Building Management. Employees identifying
regularly raises health awareness by organizing potential hazards can also report them to the
webinars and health broadcasts. Emergency Task Force (ETF) established in each
division/function. If an incident escalates into a
For workplace safety, BNI provides fire broader crisis, in line with the Business Continuity
extinguishers and personal protective equipment Management (BCM) mechanism, the Crisis
across various facilities. Fire extinguishers and Management Team (CMT) may be activated to
earthquake drills are also conducted regularly address the situation. In 2024, BNI successfully
twice a year at the main operational buildings in resolved 100% of complaints related to building
collaboration with the building management and facilities.
the local Fire Department.
As of the end of 2024, BNI has not yet established
a specific Occupational Health and Safety
(OHS) committee or policy related to building
management. However, BNI’s operational
buildings have adopted Operational Technical
Guidelines from each Building Management as
a reference for emergency situations, applied
to all employees (100%), along with emergency
response procedures specific to each building’s
management.
Sustainability Report 2024
128 PT Bank Negara Indonesia (Persero) Tbk
Page 129
Occupational Diseases and Work Accidents [403-9, 403-10]
BNI recognizes that health significantly impacts Additionally, BNI offers the Employee Assistance
employee productivity. Thus, we provide a Program 2.0 (EAP 2.0), in collaboration with digital
safe and conducive workplace by offering both consultation services to support employees’
preventive and curative healthcare facilities to mental, physical, and financial health. Through
employees, including health insurance, annual this program, employees can consult with trained
medical check-ups (MCU), counselling services psychologists, nutrition experts, medical advisors,
with psychologists, online health consultations, executive coaches, and fitness trainers to help
and BPJS Kesehatan. achieve their health goals, such as weight loss,
reduced blood pressure, blood sugar, or cholesterol
BNI provides an annual MCU at partner hospitals, levels, as well as better stress management.
clinics, and laboratories. The common health The company also provides health insurance in
concerns identified in the MCU include vision issues partnership with health insurance providers, in
such as myopia and astigmatism, high cholesterol addition to mandatory BPJS Kesehatan, to cover
(hypercholesterolemia), overweight, fatty liver, and the health needs of employees and their families.
dental cavities. However, no specific occupational
diseases have been identified. Throughout 2024, In 2024, BNI conducted socialization campaigns
there were no accidents, injuries, or work-related on healthy lifestyles and mental health, alongside
diseases. various educational health activities. These
included the Healthy Talk Series with topics such
To address these health concerns, BNI has as “Prevent and Early Detection of Kidney Failure in
implemented both preventive and curative Children,” “Early Detection of Pinched Nerve Risks
measures, including health webinars with invited and Management with the Latest Technology,”
health practitioners and experts, and encouraging and “Sports Injuries: Prevention, Treatment, and
employees to engage in wellbeing programs to Recovery.”
adopt healthier lifestyles. Employees are also
encouraged to join programs managed by the BNI
Community (46Society).
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 129
Page 130
SUSTAINABILIT Y
06
GOVERNANCE AND
STAKEHOLDER
ENGAGEMENT
“BNI constantly upholds the highest code of
conduct in operations and reporting. All its business
processes are assuredly conducted in a responsible,
accurate, and transparent manner whilst complying
with prevailing laws and regulations. The Board
of Directors and Board of Commissioners play a
strategic role in overseeing the implementation
of sustainability governance to firmly apply the
prudence principles in ESG risk management for
sustainable growth.”
Sustainability Report 2024
130 PT Bank Negara Indonesia (Persero) Tbk
Page 131
Sustainability Report 2024 PT Bank Negara Indonesia (Persero) Tbk 131
Page 132
Commitment to Implementing Sustainable Finance
Building Sustainability Culture [2-27]
BNI has thoroughly adopted the sustainability A comprehensive ESG framework, roadmap, and
principles and sustainable finance on all levels policy have also been developed to ensure all
starting from the staff to the management. This business activities are in line with the sustainability
aims to instil a culture of environmental and social principles. Moreover, BNI actively supports the
awareness across the company. Below are several government’s endeavors to achieve Net Zero
steps that we have taken up: Emission (NZE) and continues to observe the
1. Established a Sub-Committee of Environment, trends in sustainable finance, including preparing
Social, and Governance (ESG) under the Risk the Climate Risk Management and Scenario
Management & Anti-Fraud as per the Board of Analysis (CRMS) as per the OJK’s directives.
Directors Decree No. KP/484/DIR/R of October
26, 2021; Sustainable Finance Action Plan
2. Established a Department of Environmental,
Social & Governance (ESG) Management,
(RAKB)
Referring to the POJK No. 51/POJK.03/2017,
specifically in the ERM Division to monitor daily
BNI consistently formulates RAKB to comply
sustainability practices internally;
with the implementation of sustainable finance.
3. Developed a loan policy by taking the
The 2025 RAKB focuses on strengthening
Environmental, Social, and Governance (ESG)
BNI’s position in the face of climate change by
factors into account as well as integrating
preparing a work plan that amplifies its role as a
the sustainability principles into the Code of
debtor partner in transitioning into a sustainable
Conduct, policies, and Standard Operating
business. This step includes an advisory program
Procedure (SOP);
for debtors’ transition, an alignment of the
4. Organizing training to enhance employees’
management portfolio with a transition plan, an
insights on sustainability; and
educational program for debtors’ transition, and
5. Mapping high-risk credit portfolios against the
the strengthening of climate risk management
environment.
by adopting international standards and best
practices. BNI will also develop various initiatives,
For consistent implementation of the sustainability
such as eco-friendly MSMEs and MSME Go Global,
principles, BNI has conducted various strategic
sustainable finance inclusion, sustainable product
measures and initiatives. These include the
development, and the integration of sustainable
socialization of the Indonesia Green Taxonomy
finance management in risk management.
(THI) and the Taxonomy for Sustainable Finance
Indonesia (TKBI), training relating to environment,
BNI regulates the implementation of Sustainable
social, and governance (ESG) as well as the
Finance through the President Director Decree
implementation of sustainability initiatives.
No. KMP/4/2602. Through this effort, BNI created
Furthermore, all employees are mandated to
a Sub-Committee of Environment, Social &
study the sustainability training modules through
Governance (ESG) under the Risk Management
e-learning mandatory and increase their ESG
& Anti-Fraud Committee based on the Board of
awareness through diverse channels, such as
Directors Decree No. KP/484/DIR/R of October 26,
websites, YouTube, email blasts, and Majalah
2021. This sub-committee is tasked to coordinate
Sinergi BNI.
the implementation of Sustainable Finance and
control the division of functions related to it.
Sustainability Report 2024
132 PT Bank Negara Indonesia (Persero) Tbk
Page 133
Sustainability Governance Structure [2-29]
BNI has active supports from its leaders, namely the Board of Commissioners and Board of Directors, in
implementing sustainability governance. Both the Board of Commissioners and the Board of Directors are
directly involved in planning and overseeing Sustainable Finance. To manage the sustainability governance,
BNI operates with the Sub-Committee of ESG under the Risk Management & Anti-Fraud Committee. The
personnel of the Sub-Committee of ESG consists of cross-function members in accordance with the Board
of Directors Decree No. KP/745/DIR/R of October 26, 2023.
Chairman : Vice President Director
Vice Chairman : Risk Management Director
Secretary : Head of the Enterprise Risk Management Division (concurrently holding the
permanent position as a non-voting member)
Permanent Members Equivalent to : 1. Finance Director
the Board of Directors and SEVP 2. Wholesale & International Banking Director
(Voting Members) 3. Institutional Banking Director
4. Retail Banking Director
5. Network & Services Director
6. Technology & Operations Director
7. SEVP Treasury
Permanent Members Equivalent to : Human Capital & Compliance Director
the Board of Directors (Non-Voting
Members)
Permanent Members Equivalent : 1. Head of Corporate Secretary Division
to Divisions/Units (Non-Voting 2. Head of Policy & Governance Division
Members) 3. Head of Investor Relations Division
4. Head of Corporate Planning & Performance Management Division
5. Head of International & Financial Institutions Division
6. Head of Subsidiaries Management Division
7. Head of Procurement & Fixed Assets Division
8. Head of Treasury Division
9. Head of Compliance Division
10. Head of BNI University Division
11. Head of Human Capital Strategy Division
12. Head of Human Capital Services Division
13. Head of Corporate Banking 1 Division
14. Head of Corporate Banking 2 Division
15. Head of Corporate Banking 3 Division
16. Head of Corporate Banking 4 Division
17. Head of Syndication & Structured Finance Division
18. Head of Enterprise Banking Division
19. Head of Commercial Banking Division
20.Head of Commercial Banking 2 Division
21. Head of Operational Risk Management Division
22.Head of Corporate & Enterprise Credit Risk Division
23.Head of Commercial Credit Risk Division
24.Head of Consumer Product Division
25.Head of Retail Productive Banking Division
26.Head of Business Program Division
27. Head of Card Business Division
28.Head of Agen46 Division
Non-Permanent Members (Non- Director of Sector/SEVP/Head of Division/Unit relating to the discussion
Voting Members) topic.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 133
Page 134
Delegation of Responsibilities in Managing ESG [2-9, 2-13, 2-14, 2-15, 2-16]
The ESG Sub-Committee, consisting of members 5. Developing and managing the ESG information
of BNI’s Board of Directors, is responsible system, including emissions calculation
for implementing ESG initiatives. In 2024, the methodology and climate risk stress test
committee held four quarterly meetings. As the in accordance with prevailing regulators’
entity overseeing ESG management, its key duties stipulations and/or best practices;
include: 6. Coordinating the implementation of ESG
1. Preparing policies and strategies in managing principles and climate change risk across
ESG and its amendments; all of the Bank’s lines of business, including
2. Identifying potential ESG risk that may impact Subsidiaries and KLN;
BNI and its stakeholders; 7. Preparing, organizing, and reviewing
3. Overseeing the implementation of Sustainable communication planning, execution and
Finance strategies; performance, socialization, and campaigns
4. Overseeing, evaluating, and giving relating to ESG programs internally and
recommendations on the results of BNI’s ESG externally;
assessment; 8. Performing the functions of Working Group
5. Evaluating the implementation of ESG Coordinator for the Sub-Committee of ESG and
strategies in all BNI’s business lines. liaisons with external parties regarding the ESG
policy;
The sustainability management is a collective 9. Monitoring the presentation and reporting
responsibility of all work units under the on ESG (Green Portfolio, Green Bond, and
supervision of the Board of Commissioners other ESG-aware bonds, the Indonesia
and Board of Directors. For effective conduct, Green Taxonomy (THI), Sustainability Report
BNI established a Department of Environment, (sustainability governance, sustainable
Social & Governance (ESG) Management under financing, and carbon emissions data).
the Enterprise Risk Management (ERM) with the
following key duties: The Environment, Social & Governance (ESG)
1. Formulating, developing, managing, and Management Department oversees 4 teams
reviewing ESG framework, roadmap, and consisting of:
strategy along with Net Zero Emission and 1. ESG Policy & Framework
Climate Risk bankwide; 2. ESG Program Development
2. Formulating, developing, and reviewing the 3. ESG Communication Management
Sustainable Financing and Bond Framework 4. ESG Portfolio Management & Reporting
with related Divisions;
3. Formulating, developing, managing, and
reviewing the ESG programs;
4. Formulating and managing RAKB, ESG-
related Corporate Plan, Sustainability Report,
sustainability-aware bonds, and sustainable
financing as per prevailing regulators’
stipulations and/or best practices;
Sustainability Report 2024
134 PT Bank Negara Indonesia (Persero) Tbk
Page 135
Enterprise Risk Management Division Organization Structure
Enterprise Risk
Management Division
Enterprise & Market & Credit Risk Credit Risk Risk Model Environmental, IT & Digital Risk
Integrated Risk Liquidity Risk & Portfolio Management Validation & Social & Management
Management Management Management & Modelling Methodology Governance Department
Department Department Department Department Department Management
Department
Market &
Enterprise Risk Credit Risk Wholesale Market & IT & Digital Risk
Liquidity Risk Policy &
Methodology & Portfolio Credit Risk Liquidity Risk Methodology
Methodology Framework Team
& Governance Management Management & Model Validation & Governance
& Governance
Team Team Modelling Team Team Team
Team
Retail Wholesale &
Enterprise Risk Market Risk Credit Risk Data Program IT & Digital Risk
Credit Risk Retail Credit
Management Management Management Development Management
Management & Risk Model
Team Team Team Team Team
Modelling Team Validation Team
Integrated &
Liquidity Risk Portfolio
Subsidiaries Risk
Management Management &
Management
Team Reporting Team
Team
Overseas
Communication
Branch Risk Middle Office
Management
Management Team
Team
Team
General Services
Section*
Description:
The organizational structure of the Enterprise Risk Management (ERM) Division is outlined in the Board of Directors Decree No. KP/136/DIR/R dated April 12,
2023, regarding the organizational arrangement of divisions/functional units at the Head Office. Additionally, CDV Memo No. 2/098/R dated January 30, 2024,
provides updates on the structure, personnel composition, and main functions of the ERM Division.
*) In accordance with the limited centralization policy of the General Section of the Head Office.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 135
Page 136
ESG Oversight and Evaluation
Summary of ESG risk management in BNI
Strengthening Proposing the
Identifying
the ESG aspects motion to bolster Monitoring the
sectors with
in the credit the ESG aspects Implementing implementation
high level of
process, one in the credit the ESG aspects of ESG aspects
emissions
of which by process to the assessment in the assessment
and impacts
reinforcing RAC Board of Directors credit process in the credit
against the
and debtor rating as per the process
environment
assessment authority
Continue & Improve
Mitigation: Approval: Implementation Monitoring:
Identification
ERM, PGV, Business Business Units, Business and
ERM, PGV,
Business Director, Risk Risk Unit, and Risk Director,
Business Units,
Units, Risk and Policy; ERM Business Units,
and Risk
Unit ERM, PGV Risk Unit, and
ERM
Policy for Managing Risk Identification Procedure
Environmental, Social, and in the Sustainable Finance
Governance (ESG) Risks [2-13] Implementation and its
BNI constantly upholds the highest code of conduct Management [2-16, 2-25, 2-26] [FN-CB-550a.2]
in operations and reporting in a responsible, BNI has four pillars of risk management to identify,
accurate, and transparent manner whilst complying measure, oversee, and control the Sustainable
with prevailing laws and regulations. The Board Finance risk:
of Directors and Board of Commissioners play a 1. Active Oversight by the Board of Commissioners
strategic role in overseeing the implementation and Board of Directors;
of sustainability governance throughout all work 2. Adequacy in Limit Policies, Procedures, and
units, promoting responsible business practices Establishment;
and applying the prudence principles in ESG risk 3. Internal Control System;
management. 4. Adequacy in Risk Identification, Measurement,
Monitoring, and Control as well as in the Risk
To reinforce this commitment, BNI establishes Management Information System.
governance structures, policies, and procedures
to identify and manage environmental, social,
and governance (ESG) risks across its operational
value chain.
Sustainability Report 2024
136 PT Bank Negara Indonesia (Persero) Tbk
Page 137
The identification results show several risks in the implementation of Sustainable Finance which are as
follows:
No. Risk Risk Mitigation [2-25]
ESG Risk in banking operations
1 The Bank’s operations bring negative 1. All of BNI operational offices were located as per their functions.
impacts to the environment and 2. BNI generated wasted was in a minimum amount and
community categorized as household waste.
3. BNI processed its wastewater which was previously used for
watering plants.
4. Optimizing the use of digitalization in all the Bank’s operations to
reduce the use of paper.
2 Digital finance products/services 1. Identifying, assessing, reviewing, and improving digital risk of
increase the risk of technological each BNI’s digital product.
crime, threatening customers’ privacy 2. Identifying, assessing, reviewing, and improving the resilience
against cybercrime.
3. Assessing and intensifying the security maturity on third parties.
4. Assessing data privacy and the adequacy of data security
through end-to-end process.
3 Emissions surge from the Bank’s 1. BNI has carried out energy saving in the form of:
operations • Switching off lights during break sessions on working days.
• Using solar energy for lighting purposes surrounding
emergency stairs at BNI’s main building.
• Optimizing meetings through online media.
• Optimizing the use of central AC in head office building.
• Holding online training through Zoom or webinars.
2. BNI decided on the targeted operational NZE, including the
strategy to reduce emissions.
4 Threat of physical risks (flood, 1. Conducted a natural disaster risk analysis upon selecting offices.
drought, and forest fire) against BNI's 2. BNI's offices are located in the urban areas, hence they were not
offices exposed to the risk of forest fire.
3. BNI has a Business Continuity Management as one of the efforts
to mitigate natural disaster conditions.
ESG Risk in loan disbursement [FN-CB-410a.2]
5 Loan disbursement to sector with 1. BNI has a Risk Acceptance Criteria (RAC) by adding mitigation
high emissions for climate change risk, containing minimum requirements for
(potential) debtors with high-risk impact on the environment,
such as RSPO/ISPO certification and the commitment to
implementing No Deforestation, No Peat, and No Exploitation
(NDPE) policy in land clearing for debtors in oil palm plantation,
fulfilling encironmental mandatory documents (AMDAL or UPL/
UKL & PROPER) as per their business sector.
2. BNI selectively finances sectors with high emissions by
considering the ESG implementation and the energy transition
plan made by the debtors.
3. BNI disburses financing in the form of Sustainability Linked
Loan to encourage debtors to initiate their energy transition.
6 Violation of ESG aspects by existing Business units will periodically monitor through a watchlist system
Debtors and debtor rating assessment. Should any violation was made
again the ESG aspect, BNI will verify the relevant parties and make
adjustments to the debtors’ rating.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 137
Page 138
No. Risk Risk Mitigation [2-25]
7 Disbursement of green bonds Evaluating and selecting projects with green bonds disbursement
disproportionate to the designations is handled by the ESG Sub-Committee with Vice President as the
chairman. The disbursements are carried out on projects with the
nature of project financing so that the course of the fund use can
be overseen by BNI. A second party opinion (SPO) has formed its
opinion on the green bonds disbursement led by BNI.
8 Debtors of Sustainability Linked Loan A penalty system is in place to be subjected to debtors who fail to
not meeting the targeted SPT KPI that reach the targeted KPI SPT that has been agreed upon. An independent
has been agreed upon. third party leads an annual evaluation for any loan, including the
achievement of KPI SPT target.
9 The classification of taxonomy not in 1. TKBI questionnaires have been developed in a plain language.
accordance with TKBI 2. Technical assistant for filling out TKBI questionnaires has been
provided for debtors in energy sectors.
3. Training for TKBI classification has been held for Relationship
Manager.
Social risk in performing financial literacy and inclusion
10 Uneven spread of financial literacy 1. Target market has been stipulated relating to financial literacy
and inclusion beneficiaries and inclusion beneficiaries.
2. Local mapping of financial literacy and inclusion has been
developed.
3. Financial literacy and inclusion has been conducted gradually in
accordance with the target market mapping results of financial
literacy and inclusion beneficiaries.
Sustainability Report 2024
138 PT Bank Negara Indonesia (Persero) Tbk
Page 139
Issues, Challenges, Developments, and Influences In
Implementing Sustainable Finance
BNI faces various challenges in implementing 6. Dynamic New Regulations on Sustainability
sustainable finance. The following are some key Practices Guidelines such as Climate Risk
obstacles, challenges, and management strategies Management and Strategy (CRMS) and
undertaken by BNI: IFRS S1 & S2 require well-prepared human
1. Uneven Understanding of ESG BNI focuses on resources, enhanced knowledge, and
enhancing human resource capacity through strengthened capabilities to support effective
training and e-learning programs, both implementation.
internally and externally.
2. Limited Awareness of ESG Principles Among To address these challenges, BNI continues to
Debtors Many debtors still have a limited adapt by leveraging technological advancements,
understanding of Environmental, Social, and collaborating with strategic partners, and
Governance (ESG) principles, particularly in implementing policy innovations to support
managing climate change risks. To address sustainability and sustainable finance in Indonesia.
this, BNI provides training and technological
support to help debtors adopt sustainable Despite these challenges, we continue to identify
practices. opportunities in sustainable finance that have a
3. Development of Sustainable Financial Products positive impact on banking and financing activities,
To meet the needs of customers and debtors, including:
BNI continuously innovates in developing 1. Growing opportunities for green financing in
relevant and competitive sustainable financial Indonesia;
products. 2. Encouraging financing for debtors who adopt
4. Digitalization of ESG Data Management BNI sustainable business practices through
is developing a digital system to efficiently Sustainability-Linked Loans;
manage the ESG database, ensuring more 3. Increasing awareness of sustainable finance
accurate and effective sustainability analysis among businesses, particularly corporations;
and reporting. 4. Rising interest from the government, regulators,
5. Complex ESG Standards and Regulations and investors in sustainability implementation;
The evolving regulatory landscape poses 5. The presence of a sustainable niche market,
challenges in adopting sustainable finance creating opportunities for financial products
practices in Indonesia. BNI actively monitors and services tailored to specific sustainability
and adjusts its policies to stay aligned with needs;
these developments. 6. Building partnerships with knowledgeable and
competent stakeholders in sustainability to
design programs that support the Sustainable
Development Goals (SDGs).
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 139
Page 140
Implementing Good Corporate Governance (GCG)
[2-9, 2-10, 2-11, 2-12, 2-15, 2-17, 2-19, 2-20, 2-21]
The GCG principles are the basis for BNI in carrying Board of Directors’ Performance
out sustainability governance, Sustainable
Finance, and corporate sustainability principles.
Assessment [2-18]
The Company has various ways to evaluate and
BNI’s governance structure includes the Board
assess the performance of the Board of Directors,
of Directors to lead and oversee operations and
which are through an assessment in the GMS,
the Board of Commissioners to supervise the
fulfillment of the Company’s performance target,
performance of the Board of Directors. Each
and GCG assessment. Further information on this
Directorate is led by a Director and has a special
subject can be viewed in the Annual Report, Board
division to manage the ESG aspect. The Board
of Directors’ Performance Assessment Chapter,
of Director is collectively responsible for the ESG
page 775-777.
performance. Details of the corporate governance
structure can be viewed in the Annual Report page
96-97. Code of Conduct
BNI’s prevailing code of conduct, also known
Shareholders are entitled to nominate and appoint as BNI Code of Conduct, assertively regulates
the Board of Directors and Board of Commissioners matters relating to value system, business ethics,
through GMS. BNI is committed to maintaining commitment, and enforcement of company’s
good relationship and ensuring no conflict of regulations in running its business and other
interest among the Board of Directors, Board of activities. This guideline also distinctly sets rules
Commissioners, and Shareholders which may on behaviors or interactions that are acceptable
affect the end results. Information on such matter and improper between employees and customers
is disclosed in the 2024 Annual Report pages 780- and other stakeholders. The BNI Code of
784 and 800-801. Conduct is established as a reference for all BNI
personnel, including BNI Hi-Movers, the Board
More detailed information on remuneration and of Commissioners, and the Board of Directors in
the annual total compensation ratio can be found acting and making decisions so that they always
in the 2024 Annual Report on page 784-797. work professionally and abide by the highest
ethical standards as per the vision, mission, values,
and prevailing regulations. The Code of Conduct is
Composition of the Board
socialized through sharing session, internal media,
of Directors and Board of seminar, coaching, and distribution of BNI Code
Commissioners [2-11] of Conduct pocketbook. Information on Code of
Detailed information on the highest governance Conduct can be viewed in the 2024 Annual Report
organs and their committees are explained in the page 1052-1055. It is also accessible through the
Annual Report: company website.
• Board of Directors’ Chapter, page 715-774;
• Board of Commissioners’ Chapter, page 664-
714;
• Board of Commissioners’ Supporting Organs,
page 802-867;
• Board of Directors’ Supporting Organs, page
872-947.
Sustainability Report 2024
140 PT Bank Negara Indonesia (Persero) Tbk
Page 141
Whistleblowing System [FN-CB-510a.2]
BNI is committed to implementing GCG principles The purpose of WBS is to prevent, detect early
in all its activities, including through the potential deviances/violations, and functions
Whistleblowing System (WBS) in accordance with as a means for BNI to protect the trust of all
the Ministry of SOE Regulation Number PER-09/ stakeholders, including customers, debtors,
MBU/2012 and PER-2/MBU/03/2023 concerning business partners, employees, and regulators
Guidelines for BUMN Governance and Significant as well as to ensure preventative measures are
Corporate Activities. WBS is a mechanism accessible. The policy to protect reporters adheres
designed to support transparency, integrity, to the Company Guidelines (PP) pertaining to
and accountability in company operations. This matters of WBS. This will help BNI to protect the
system gives opportunities to BNI personnel, reporters from countermeasures or intimidation,
customers, debtors, business partners, and other encouraging more parties to come forward to
external parties to report on any BNI personnel report without apprehension.
who allegedly perpetrate unlawful actions; violate
internal action and company’s code of conduct. BNI is committed to ensuring transparency and
The report submitted comprises matters relating to accountability in its operations by implementing
fraud, corruption, conflict of interests, gratification/ WBS that is known as WBS to CEO. The President
bribery, unlawful actions, and violations of code Director guarantees all WBS reports solidified
of conduct/unethical behavior. With this system, with data and relevant supporting evidence will
BNI strives to create a safer environment and be followed up professionally and transparently.
is committed to keeping the company’s code of For provenly objective follow-ups, the WBS
conduct standards. management is led by the Internal Audit (IAD),
collaborating with an internal independent party.
Further information on WBS and number of
complaints through WBS can be viewed in the
2024 Annual Report page 1088-1091.
WBS reporting can contact:
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.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 141
Page 142
Responsibility for Ethical Issues [2-6]
Oversight for Ethical Issues Regular Audit for Meeting Ethical
Responsibility and oversight for business ethics Standards
and behavioral ethics in BNI involve the Risk The enactment of Anti-Bribery Management
Management & Anti-Fraud Committee, Audit System (ABMS) in BNI adheres to an international
Committee, the Board of Directors, and the Board ethical standard, ISO 37001:2016. Audits and
of Commissioners. Through Whistleblowing assessments on the SMAP have been conducted
System (WBS), BNI will receive various reports every year by the Internal Audit (IAD) and
of violation, including ethical violations which independent parties to guarantee their compliance
encompass fraud, corruption, conflict of interests, and effectiveness. In 2024, the assessment scope
gratification/bribery, and policy violation, code of of ISO 37001:2016 included Goods and Services
conduct, and other forms of non-ethical conducts, Procurement Activities, Corporate Segment Credit,
including HR-related issues. and Financial Institution Pension Fund (DPLK).
The line of responsibility for the oversight of WBS Furthermore, the enforcement of standard ethical
implementation starts from the Internal Audit practices is also carried out through thematic audits,
as WBS manager who quarterly delivers WBS specifically the Audit on the Implementation of
reports to the BNI management; to the President ISO 37001:2016 Anti-Bribery Management System
Director, the Board of Commissioners and Audit (SMAP). The evaluation of SMAP implementation
Committee as well as external parties, such as at BNI adheres to international ethical standards,
the SOE Ministry, semesterly, and the Corruption namely ISO 37001:2016. Audits and assessments
Eradication Commission (KPK), annually. Every of SMAP have been conducted annually by the
three months, the Audit Committee and the Board Internal Audit Unit as well as independent parties
of Commissioners (including the Independent to ensure compliance and effectiveness. The
Commissioner) will have a discussion over WBS scope of the ISO 37001:2016 assessment covers
reports. Such reports contain violation reports, procurement activities, corporate segment loans,
follow-ups that have been made, and effectiveness supporting work units, and financial institution
evaluation of the WBS management. pension funds.
Training on Ethical Standards
BNI’s efforts in encouraging employees to apply
business ethics and behavioral ethics are carried
out by raising their awareness through trainings
and socializations on ethics. Several ethics-related
topics are Work Culture – Core Value AKHLAK;
Ensuring Compliance – Social Media in Regulated
Industries; Reinforcing Organization through
Prevention and Management of Conflict of Interests;
Anti-Bribery and Anti-Corruption Strategy;
Building Integrity Culture in Work Environment;
Creating Anti-Corruption Culture through Integrity
Values. Trainings and socializations are given to
permanent employees and contract employees,
trainees, and outsource workers.
Sustainability Report 2024
142 PT Bank Negara Indonesia (Persero) Tbk
Page 143
Anti-Corruption, Anti-Bribery, And Anti-Fraud Policy
[2-16, 205-1] [FN-CB-510a.1]
Anti-Corruption, Anti-Bribery, and Anti-Fraud Policy
To uphold the company’s reputation, BNI 3. Development of Code of Conduct as a guideline
is committed to strengthen the trust of the of conduct for all employees.
stakeholders. Several BNI policies that have been 4. Implementation of the anti-bribery
stipulated by BNI, such as those pertaining to management system based on the ISO
corruption, bribery, and fraud, are applicable to 37001:2016 certification on the Anti-Bribery
all employees, members of the Board of Directors, Management System (ABMS).
and Board of Commissioners. The policy relating 5. Work Guidelines of the Risk Management &
to anti-corruption, anti-bribery, and anti-fraud Anti-Fraud Committee that have been approved
is stipulated as per POJK Number 12 of 2024 on through the Board of Directors Decree No.
the Implementation of Anti-Fraud Strategy for KP/745/DIR/R of 26 October 2023.
Financial Services Institution (LJK) as well as other 6. Guidelines of the Implementation of Anti-Fraud
laws and regulations. BNI also reports all fraud Strategy, as stated in the Company Procedure
incidents to OJK every semester, supported by Number IN/003/AFR/001 of 9 December 2024.
oversight from the highest governance body. 7. Implementation of a single action in the form of
termination of employment (PHK) for fraudsters,
To have business activities untainted with as stated in the Whole Organization Letter (WO)
corruption, bribery, and fraud, BNI formed several MNumber HCE/7/0785 of 21 December 2021.
organizations, such as Gratification Control Unit 8. Prospective debtors’ or debtors’ signing of the
(UPG), Anti-Fraud Unit, and Anti-Fraud Committee. Integrity Pact for the loan agreement as per the
Reports from these units are submitted regularly Company Guidelines of Credit.
to the management, both the Board of Directors 9. Signing of the Integrity Pact by relevant parties
and Board of Commissioners. BNI also implements in the procurement process, as regulated in the
rigorous policies and procedures to defend the Company Guidelines of Procurement.
anti-corruption, anti-bribery, and anti-fraud 10. Implementation of good corporate governance,
principles, such as follows: among which are avoiding any conflict of
1. Employees’ signing the Integrity Pact annually interests in the loan process, as per the
as a form of gratification control and anti-fraud Company Guidelines of Credit.
commitement.
2. Periodical Gratification and Anti-Bribery
Declaration.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 143
Page 144
Communication, Socialization, and Training on Anti-Corruption and
Anti-Fraud [205-2]
BNI conducts socialization to raise awareness on 9. Encouraging all employees to not accept or
anti-corruption and anti-fraud, such as follows: solicit any rewards in any form from third
1. E-Learning Mandatory program on Gratification parties, and to read the Integrity Pact that
Control and Anti-Briberry Management System informs BNI commitment towards gratification
through BNI learning management system (BNI control.
Smarter) that was joined by 26,352 employees. 10. Disseminating information through posters,
2. E-Learning Mandatory program on Anti-Fraud videos, digital banners, videotrons, BNI
Awareness through BNI learning management website, national mass media, and BNI
system (BNI Smarter) that was participated by Forum on anti-gratification, anty-briberry
26,347 employees. management system, and guidelines on
3. E-Learning Mandatory program on Anti-Money corruption prevention.
Laundering through BNI learning management 11. Organizing a Compliance Forum with the
system (BNI Smarter) that was participated by theme “Realizing an Anti-Corruption Culture by
26,365 employees. Instilling Integrity Values” which invited source
4. Conducted a series of three Anti-Fraud persons from KPK and was participated by the
Awareness webinars, attended by 8,894 Board of Directors, Board of Commissioners,
viewers. SEVP BNI, Subsidiaries, PAKSI, API, Millennial
5. Held a series of five Business Ethics webinars, Gratification Reporters, and all BNI employees.
attended by 21,245 viewers. 12. Employees participation in training and
6. Regular implementation of Quality Month certification related to anti-fraud to strengthen
initiatives and Morning Briefings. their understanding and competence in each
7. Conducting socialization on Gratification operation business.
Control and Anti-briberry Management
System to Outsource Workers, Bina BNI
Officer Development Program (ODP), and BNI’
subsidiaries.
8. Conducting socialization and raising
awareness on anti-fraud and anti-gratification
to employees and other stakeholders through
internal media communication, such as e-mail
blasts, internal bulletins, desktop wallpapers,
and posters.
Sustainability Report 2024
144 PT Bank Negara Indonesia (Persero) Tbk
Page 145
Monitoring, Evaluation, and Follow-Ups [2-27]
To supervise and prevent corruption, bribery, and According to KPK evaluation, the 2024 BNI
fraud, the Bank has formed an Anti-Fraud Unit Gratification Control was ranked “Very Good”,
that also cooperates with the Risk Management showing that Gratification Control and Anti-Bribery
& Anti-Fraud Committee. Moreover, an evaluation Management System has been implemented in
is carried out based on the results of active BNI.
supervision from the Board of Directors and Board
of Commissioners. The Bank also regularly reports The Bank strives to reducing fraudulent incidents
how anti-fraud strategy is being implemented in and prevent corruption through corrective
the form of Anti-Fraud Strategy Implementation measures whilst also buttressing various aspects,
Report to OJK every semester as a form of such as:
compliance with the regulations. • Increasing integrity and understanding of risks
of all employees.
BNI performs anti-briberry audit every year • Enhancing tools that could support leaders’
with an external certification institution as the oversight activities.
lead to ensure compliance with the anti-bribery • Strengthening internal control to minimize
management system. The 2024 Surveillance Audit potential internal fraud.
results show that BNI has consistently managed • Solidifying mitigation and detection of external
to implement anti-briberry management system fraud cases in Card Payment Instruments
without major deviation. products.
• Increasing literacy risk in customers through
education on the Bank’s official website.
Strict Sanction [205-3]
The Bank stands firm against any form of unlawful actions, such as corruption, bribery, and fraud.
Every individual involved, without exception, will be given sanctions, such as warning, demotion, up
to termination of employment, demand for recompense and due process. For those who are proven as
fraudsters, a single sanction will be inflicted in the form of termination of employment and a report may
be submitted to Law Enforcements to ensure the deterrent effect.
Fraud Cases Found [205-3]
Number of Cases Committed by
Members of the Board of Non-Permanent
Permanent Employees
Internal Fraud in 1 Year Directors and Board of Employees and Outsource
Commissioner Personnel
2024 2023 2022 2024 2023 2022 2024 2023 2022
Total fraud 0 0 0 14 10 14 2 0 7
Resolved 0 0 0 9 10* 14 2 0 7
Under resolution process 0 0 0 5 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 5 2 2 0 0 1
process
Note: Fraud cases with a loss over Rp100 million
*Restatement due to the fraud findings that had been under resolution process within BNI as of the end of 2022 were resolved in 2023.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 145
Page 146
APU-PPT and PPPSPM Policy
BNI has Company Guidelines No. IN/003/CMP/001 • Monitoring the implementation of anti-money
of 28 February 2024 that regulates Anti-Money laundering, counter-terrorism financing and
Laundering, Counter Terrorism Financing and proliferation of weapons of mass destruction
Proliferation of Weapons of Mass Destruction prevention program in Overseas Branch Offices
Prevention (APU PPT and PPPSPM). The and Subsidiaries.
implementation of this program is predicated on • Refreshment anti-money laundering, counter-
five pillars, namely active oversight by the Board terrorism financing and proliferation of
of Directors and Board of Commissioners, Policies weapons of mass destruction prevention
and Procedures, Internal Control, Management program for BNI’s Board of Directors and Board
Information System, as well as Human Capital of Commissioners as well as its Subsidiaries.
and Training. BNI also submits the Anti-Money • Sharing information on lessons learned over the
Laundering, Counter Terrorism Financing and implementation, such as concerning typology,
Proliferation of Weapons of Mass Destruction latest modus, and the prudence principles that
Prevention program implementation report every should be assimilated by all Branches/Units/
six months to OJK. Divisions.
periodically, all bni personnel will receive Further information on anti-money laundering,
socialization on how to increase awareness counter-terrorism financing and proliferation of
towards anti-money laundering, counter terrorism weapons of mass destruction prevention can be
financing and proliferation of weapons of mass accessed through https://www.bni.co.id/en-us/
destruction prevention through several activities, company/corporate - governance/patriot-ac ts-
such as: certification-aml.
• Electronic/online-based training, for example
e-learning anti-money laundering, counter The implementation of anti-money laundering,
terrorism financing and proliferation of counter-terrorism financing and proliferation
weapons of mass destruction prevention on BNI of weapons of mass destruction prevention
Smarter as well as face-to-face training, such as program is a part of BNI’s internal control system.
training for new prospective employees (ODP/ Throughout 2024, BNI had no involvement in
BINA BNI) and specific units/divisions, including any money laundering case, counter terrorism
operations, IT, Custody, Pension Fund, Overseas financing, and proliferation of weapons of mass
Business, and Cross Border Correspondent destruction.
Banking.
• Supervising and socializing the implementation The Financial Integrity Rating on Money Laundering
of anti-money laundering, counter-terrorism and Terrorist (FIR on ML/TF) is an assessment led
financing and proliferation of weapons of mass by the Financial Transaction Reports and Analysis
destruction prevention implementation in Center (PPATK) to investigate the integrity and
Branch Offices, based on the assessment results effectiveness of reporters in running the APU,
of Branch Risk Rating, and in relevant divisions. PPT, and PPPSPM that includes the aspects of
commitment, implementation, and compliance. In
2024, BNI was scored at 9.03 for FIR on ML/TF with
Very Good Category (Highest Score FIR on ML/TF
on KBMI 4).
Sustainability Report 2024
146 PT Bank Negara Indonesia (Persero) Tbk
Page 147
Stakeholder Engagement [2-29]
BNI cultivates good relationships with all its stakeholders. We identify groups of stakeholder prioritization
by taking influence, dependency, responsibility, and proximity into account. This year, BNI had each
representative of stakeholder groups, internally and externally, involved in an in-depth interview. Through
this interview, we discovered strategic issues that have become the main concerns of the stakeholders,
requested feedback on BNI’s previous sustainability performance, and discussed material topics that
might have affected their decision-making.
Engagement Method Significant Topics/Issues and Needs BNI’s Response
Customer: Economic Relations
• Call center services, branch • Banking transaction security • Innovations of products and
offices, phone banking, • Micro Small Medium Enterprise services according to technological
websites, social media loans developments and needs
(Facebook, Instagram, and • Banking facilities and ease of • Financial education on banking
Twitter) access products
• Customer Satisfaction Survey • Clear and transparent information • Storage and protection of customer
• Information from the Website on banking products and services data as per the Personal Data
& Frontliners • Financial products/services Protection Law and relevant
• Agen46 gathering innovations stipulations
• Customer data confidentiality • Maintaining the existing ISO 27001
Frequency certification and renewing the latest
• At all times ISO certification
• Twice a year • Reaching and nurturing SMEs to
• All the time helping provide financing
• At least once a year
Investor/Shareholder: Economic Relations, Ownership & Legal
• Bank’s quarterly Performance • Financial and non-financial • Periodic information disclosure on
Report performance BNI performance
• Capital Market and Share • Environmental, Social, and • Direct communication to investors
Investor Analyst Meeting, Governance (ESG) performance and through analysis of securities
quarterly and regularly every • Increased Investment value companies (brokers) to ensure
year (shareholder return) company’s information disclosure
• Public Expose at least once a • Investment/financing in eco- • Consistently performing strategies
year friendly sectors to achieve business targets
• Holding Annual GMS (once a • Climate risk management • Comprehensively disclosing
year) and Extraordinary GMS • Disclosure of methodology and information on ESG performance in
when needed results of calculation of scope 3 Sustainability Report as well as in
financing emissions periodic updates
• Human capital management and • Strengthening employees’
developments capabilities and skills
• KPI driving the achievement of • Following up recommendations of
sustainable profitability ESG aspect from Rating Agency,
• Green bonds performance SPO, and investors
• Performing audits on Financial
Reports
• Developing Annual Reports and
Sustainability Reports
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 147
Page 148
Engagement Method Significant Topics/Issues and Needs BNI’s Response
Employee: Legal relations & stakeholders involved in achieving the company goals
• Internal Media (eSinergi Digital • Employee rights • In-class and e-learning training
Magazine, HCMS, Sinergi • Training and Competency • Performance Assessment System
Magazine, BNI Forum) Development for Employees and Promotion
• Employee Satisfaction Survey, • Equality in opportunities • Availability of official
once a year • Career developments communication facilities provided
• Valuable and enjoyable work by BNI for employees, such as Info
experience HCT and Internal Communication
• Work-life balance (eSinergi, SMS Blast)
• Establishing a community based on
sports, arts, and hobbies, namely
46Society
• Existence of Whistleblowing system
• Existence of Labor Relations
• Availability of facilities and
infrastructures for activities
• Providing welfare for work and post-
employment periods
Labor Relations: Legal relations
• Meeting and Discussion Employee rights, remuneration and • Accommodating and identifying
• Discussion of Collective Labor benefits proposals and feedback from Labor
Agreement (CLA) Relations
• Establishing the process of
communication in case of industrial
relations disputes
• Holding regular meetings in
communication forum between BNI
and labor relations
• Ensuring the safety and rights of
employees through Collective Labor
Agreement (CLA)
Government/OJK: Legal relations/Interests as Financial Services Institutions
• Submission of the Bank’s • Compliance with laws and • Complying with all prevailing
Business Plan (RBB) and its regulations regulations
realization to Bank Indonesia • Managing ESG risk in financing • Paying taxes, retributions, and Non-
and OJK activities Tax State Revenue (PNBP) as per
• Submission of RAKB to OJK • Environmental & social risk laws and regulations
• Other reporting as per analysis in granting loans • Developing Sustainable Finance
prevailing stipulations to • Anti-Bribery and Corruption Action Plan (RAKB)
regulators (ABC), Anti-Money Laundering • Establishing the ESG Sub-
• Various activities of (AML) and Anti-Terrorism Green Committee to monitor the
socialization/webinar/hearing/ banking inclusive banking implementation of RAKB
discussion forum held by the • Implementing Sustainable • Adjusting internal policies and
government and authorities Finance regulations as per regulations
• At least once a year • Supporting SDGs issued by the government
• Setting more quantifiable and • Implementing the GCG principles
targeted targets, mainly in across all work units
supporting green economy and • Submitting performance reports
NZE targets in Indonesia and other activities: Sustainable
Finance Action Plan Report, Annual
Report, Sustainability Report, and
others
Sustainability Report 2024
148 PT Bank Negara Indonesia (Persero) Tbk
Page 149
Engagement Method Significant Topics/Issues and Needs BNI’s Response
Supplier: Economic Relations and Legal Relelations
Seminars and socialization of • Mutually profitable relationships • Building cooperation with partners
policies, when needed, through with suppliers in procuring goods and services for
vendor gathering • Fair and transparent goods and the Bank’s needs
services procurement process • Fair sand compliant selection
process of partners
• Payment system as per work
contract
• Socialization of policy relating
procurement procedure
Community: Social relations, social license & social responsibility as well as proximity with the company
Strategic collaboration in BNI’s • Environmental impact and • Implementing Financial Inclusion
social care performance and Literacy
• Planning and executing social • Implementing social and
and environmental responsibility environmental responsibility
program program through BNI Berbagi and
• Opportunities to collaborate BNI Go Green programs
in social and environmental • Opening an internship or contract
responsibility program program for fresh graduate through
• Information on corporate BINA BNI Program
activities • Providing job opportunities as
• Understanding of Sustainable needed
Finance
Media: Social relations, social license
Press release, when needed, and • Financial and non-financial • Updating information on banking
quarterly media gathering performance solutions or company performance
• Environmental impact and that are disseminated via www.bni.
performance co.id
• Planning and executing social • Regularly fostering good
and environmental responsibility relationships with media through
programs media gathering, and editor-in-chief
• Opportunities to collaborate gathering
in social and environmental • Disseminating press release
responsibility programs materials on www.bni.co.id and
online media
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 149
Page 150
Verification by Independent Parties
Independent Assurance Statement
The 2024 Sustainability Report PT Bank Negara Indonesia (Persero) Tbk
Number : 02/000-758/I/2025/SRAI
Assurance Type : Type 1 and Type 2 for the specific topic of Green Portfolio Management, and
Data Security and Cyber Security
Assurance Level : Moderate
Reporting Standards : GRI Universal Standard 2021 Consolidated, GRI Financial Services Sector
Supplement, Sustainability Accounting Standard Board (SASB) Financial
Sector Commercial Banking, Sustainability Banking Assessment (SUSBA), and
ASEAN Corporate Governance Scorecard (ACGS) regarding Resilience
Sustainability
Reporting Regulation : Otoritas Jasa Keuangan Regulation (POJK) Number 51/POJK.03/2017
(Indonesia) and SEOJK No. 16/SEOJK.04/2021
Dear stakeholders,
PT Sejahtera Rambah Asia or “SRAI” is issuing an Independent Assurance Statement (“the
Statement”) of the 2024 Sustainability Report (“the Report”) of PT Bank Negara Indonesia (Persero)
Tbk (“the Bank”). The Bank is public legal entity that manages social security programs for Indonesian
workers. The Report presents the commitment and efforts of the Bank in managing its sustainability
performance for the reporting period of January 1st to December 31st, 2024. As agreed with
Management, SRAI’s responsibility is to make an assessment based on the data and content of the
Report for the year.
Intended User and Purpose
The purpose of the Statement is to present our opinion including the findings and recommendations
based on the results of assurance work to the Bank’s stakeholders. The assuror team in accordance
with specific procedures and a specific scope of work carried out the assessment. Except for the areas
covered in the scope of the assurance, we encourage all NOT to solely interpret the Statement as the
basis to conclude the Bank’s overall sustainability performance.
Responsibilities
Our obligations to the Management involve assessing the Report’s content, generating findings, and
recommendations, and issuing a Statement. Additionally, we are tasked with establishing conclusions
and recommendations according to agreed-upon standards, methods, and approaches. Consequently,
SRAI’s evaluation is solely based on the most recent editorial and data received as of January 31st,
2025, regarding the final draft. SRAI’s responsibility lies solely in providing assurance work, distinct
from an audit, in accordance with the Non-Disclosure Agreement, the Assurance Engagement
Agreement, Representation Letter, and Subsequent Event Testing. Management bears the sole
responsibility for presenting data, information, and disclosures within the Report. Therefore, any
parties relying on the Report and Statement must assume and manage their own risk.
Independence, Impartiality, and Competency
SRAI confirms NO relationships between the assuror team and the clients that can influence their
independence and impartiality to conduct the assessment and generate the Statements. The assuror
team is mandated to follow a particular assurance protocol and professional ethical code of conduct
to ensure their objectivity and integrity. We carried out a pre-engagement assessment before the
SRAI Independent Assurance Statement, version 2025, page 1 of 4
Sustainability Report 2024
150 PT Bank Negara Indonesia (Persero) Tbk
Page 151
assurance work was taken to verify the risks of engagement as well as the independence and
impartiality of the team. The assuror team members have knowledge of ISO 26000, AA1000
AccountAbility standards and principles, and also have experience in sustainability report assessment
based on various reporting regulations such as Regulation of Otoritas Jasa Keuangan
No.51/POJK.03/2017 on Sustainable Finance, GRI Universal Standard, GRI G4 Financial Disclosure,
Sustainability Accounting Standard Board (Commercial Banking), Sustainable Banking Assessment
(SUSBA) World Wide Fund for Nature (WWF), and ASEAN Corporate Governance Scorecard (ACGS)
regarding Resilience Sustainability.
Type and Level of Assurance Service
1. Type 1 assurance on the Report content
2. Type 2 assurance on Green Portfolio Management, and Data Security and Cyber Security.
3. A moderate level of assurance to the procedure on the Report content and evidence, where the
risks of information and conclusions of the Report being error is reduced, but not to very low, but
not zero.
Scope and Limitation of Assurance Service
1. Data and information in the Report for the period of January 1st to December 31st, 2024.
2. Material topics presented in the Report: Data Security and Cyber Security, Economic
Performance, Green Portfolio Management, and Climate Resilience.
3. Evaluation of publicly disclosed information, system, and process of the Bank to ensure adherence
of the Report content to the reporting principles.
4. SRAI does NOT include financial data, information, and figures in the Report content. We assumed
that the Bank, independent parties, or other parties associated with the Bank have verified and/or
audited financial statements, data, and information.
5. Adherence to the following reporting principles, standards, and regulations:
a) Regulation of Otoritas Jasa Keuangan (OJK) No.51/POJK.03/2017 regarding the
Implementation of Sustainable Finance for Financial Service Institution, Listed, and Public
Companies (POJK 51) with reference to OJK Circular Letter (SEOJK) 2022 No.16/SEOJK.04/2021
b) Consolidated set of GRI Sustainability Reporting Standards 2021 (GRI Universal Standards).
c) GRI G4 Financial Disclosure (GRI G4-FS) issued by the Global Reporting Initiative.
d) Sustainability Accounting Standard Board – Commercial Banks.
e) Sustainable Banking Assessment (SUSBA) World Wide Fund for Nature (WWF).
f) ASEAN Corporate Governance Scorecard (ACGS) regarding Resilience Sustainability.
Exclusion
1. The expression of opinion, belief, expectation, advertisement, and also forward-looking
statements, including future planning of the Bank as specified in the Report content.
2. Analysis or assessment against regulations, principles, standards, guidelines, and indicators other
than those indicated in the Statement.
3. Topics, data, and information outside the reporting period, or in the public domain not covered
in the reporting period.
4. Financial performance data and information as presented in the Bank’s financial statements and
documents, other than those mentioned in the Report.
Methodology and Source Disclosure
1. Form an Assuror Team whose members are capable in sustainability report development and
assurance.
SRAI Independent Assurance Statement, version 2025, page 2 of 4
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 151
Page 152
2. Perform the pre-engagement phase to ensure the independence and impartiality of the Assuror
Team.
3. Hold a kick-off meeting and initial analysis of the Report draft based on the SRAI Protocol on
Assurance Analysis refers to the standards, principles, and indicators of AA1000AS v3, AA1000APS
(2018), and standards/regulations used in the Report.
4. Discuss online the results of the analysis with the Management and data contributors.
5. Verify evidence and trace data and information as covered in the Report.
6. The Bank incorporated our recommendations in the draft Report and release the final Report
content.
7. Prepare a Management Letter detailing all aspects seen, recorded, and observed during the
assurance work to the Management of the Bank for further improvement of sustainability
processes.
Adherence to AA1000AP (2018) and GRI Universal Standards
Inclusivity – The Bank has engaged stakeholders in its operational activities and decision-making. In
terms of the frequency of engagement that has been disclosed, the Bank explains significant topics or
issues of concern to stakeholders by communication with stakeholders, both internal and external.
Activities carried out by the Bank in engaging with stakeholders include community empowerment,
and reaching out to customers through a financial literacy program that is in line with the concept of
sustainable finance, meetings with vendors, and providing programs to support employee welfare and
health.
Materiality – The Bank has identified material topics well. In the determination process, the Bank
conducts in-depth interviews and distributes questionnaires to stakeholders, internally and externally.
To adjust the material topics to the issues of concern to stakeholders, an analysis of the results of the
material topics was conducted.
Responsiveness – The grievance process received through the whistle blowing system has explained
by the Bank. In the process of managing the whistle blowing system, the Bank's Internal Audit division
works closely with independent external parties to increase confidence in the follow-up. For external
stakeholders, several channels that serve as a medium of contact in the complaint process.
Furthermore, the Bank also provided an explanation of the mechanism for incoming complaints and
the stages of resolution. All incoming complaints are reported to the Board of Directors and Board of
Commissioners on a regular basis.
Impact – In its implementation of sustainable finance, the Bank continues to expand its sustainability
financing portfolio with a focus on green loans, Sustainability Linked Loan (SLL), and green bonds. The
Bank strives to create a safe, comfortable, inclusive, and fair work environment, with the
implementation of respectful working place in the Bank's operational. Furthermore, in supporting
human empowerment, the Bank carries out various programs that support the potential of the
community to develop and increase/create jobs for the community. Though the Bank received concern
on the information and communication aspects of services and products, this has been addressed well.
Statement of Use: “In Accordance to the GRI Standards” – We evaluated the Report content in
adherence to the GRI Universal Standards principles, disclosures, and requirements for reporting. The
Bank has referred to the nine requirements: apply the reporting principles, report the disclosures in
GRI 2: General Disclosures 2021, determine material topics, report the disclosures in GRI 3: Material
Topics 2021, report disclosures from the GRI Topic Standards for each material topic, provide reasons
SRAI Independent Assurance Statement, version 2025, page 3 of 4
Sustainability Report 2024
152 PT Bank Negara Indonesia (Persero) Tbk
Page 153
for omission for disclosures and requirements that the organization cannot comply with, publish a GRI
content index, provide a statement of use, and notify GRI.
GRI Standards Principles – As the assurance work was taken, the report content sufficiently indicates
its adherence to the Reporting principles (accuracy, balance, clarity, comparability, completeness,
sustainability context, timeliness, and verifiability). The Management provided sufficient support
during the assurance work by submitting evidence/documents as requested.
Type 2 Assurance – The Bank applies ESG aspects to the assessment process of accepting debtors by
implementing RAC (Risk Acceptance Criteria) procedures carried out by the ERM division. The Bank
also voluntarily carries out CRST (Climate Risk Stress Test) to identify financial risks related to climate
in the short, medium, and long term. The implementation of various aspects of supervision carried out
by the Bank CISO (Chief Information Security Officer) team is adequate good because it not only looks
covers people, processes, and technology aspects but the CISO team carries out the principle of
multilayer defense for prevention and improvement in customer data protection.
Recommendation
1. To identify the impact of community empowerment programs, the Bank can conduct a social
impact assessment to see the implications of the programs provided to the community and as a
measure of the next steps that can be taken by the Bank.
2. To improve supervision of information and communication services, the Bank can map vulnerable
areas to facilitate mitigation and anticipation steps to be taken.
3. To improve the optimization of CRST results, the Bank can conduct a comprehensive CRST
calculation for all sectors.
4. To keep pace with the movement of Artificial Intelligence (AI) technology, the Bank needs to
carefully and quickly follow the development of AI with the aim of being able to consider risks and
implement appropriate mitigation to be applied.
5. To strengthen Net Zero Emission efforts, the Bank needs to develop ambitious GHG emission
reduction targets in support of NZE targets.
The assurance provider,
Jakarta, January 31st 2025
Lim Hendra
Assurance Director
PT Sejahtera Rambah Asia
(SRAI)
SRAI Independent Assurance Statement, version 2025, page 4 of 4
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 153
Page 154
Responsibility Statement of the Board of
Commissioners on the 2024 Sustainability Report of
PT Bank Negara Indonesia (Persero) Tbk [2-14]
We the undersigned, the Board of Commissioners of PT Bank Negara Indonesia (Persero) Tbk hereby
declare that we have reviewed and approved the 2024 Sustainability Report of PT Bank Negara Indonesia
(Persero) Tbk and that all information in the 2024 Sustainability Report of PT Bank Negara Indonesia
(Persero) Tbk is presented in its entirety, and that we take full responsibility for the accuracy of the content
of this Sustainability Report.
This statement is hereby made in all truthfulness.
Jakarta, February 2025
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
Mohamad Yusuf Permana Fadlansyah Lubis Robertus Billitea
Commissioner Commissioner Commissioner
Sustainability Report 2024
154 PT Bank Negara Indonesia (Persero) Tbk
Page 155
Responsibility Statement of the Board of Directors
on the 2024 Sustainability Report of
PT Bank Negara Indonesia (Persero) Tbk [2-14]
We the undersigned, acting as the Board of Directors and Members of the ESG Sub-Committee of
PT Bank Negara Indonesia (Persero) Tbk, hereby declare that we have reviewed and approved the 2024
Sustainability Report of PT Bank Negara Indonesia (Persero) Tbk. We confirm that all information in the
2024 Sustainability Report of PT Bank Negara Indonesia (Persero) Tbk is presented in its entirety and take
full responsibility for the accuracy of the content of this Sustainability Report.
This statement is hereby made in all truthfulness.
Jakarta, February 2025
Board of Directors
Royke Tumilaar
President Director
Putrama Wahju Setyawan
Vice President Director
Novita Widya Anggraini Hussein Paolo Kartadjoemena I Made Sukajaya
Finance Director Digital & Integrated Transaction Enterprise & Commercial Banking
Banking Director Director
David Pirzada Agung Prabowo Ronny Venir
Risk Management Director Wholesale & International Banking Network & Services Director
Director
Munadi Herlambang Corina Leyla Karnalies Mucharom
Institutional Banking Director* Retail Banking Director Human Capital & Compliance
Director
Toto Prasetio
Technology & Operations Director
*) Not yet effective
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 155
Page 156
Reference of POJK No. 51, Indexes of GRI Standards,
SASB, SUSBA, ACGS
No Index Disclosures Page
Sustainability Strategy
A.1 Elaboration on Sustainability Strategy 14-15
Summary of Sustainability Aspect Performance
B.1 Economic Aspects 6
B.2 Environmental Aspects 8
B.3 Social Aspects 7
Company Profile
C.1 Vision, Mission, and Values of Sustainability 21
C.2 Company’s Address 20
C.3 Enterprise Scale 22
C.4 Products, Services, and Business Activities 20
C.5 Membership in Association 23-24
C.6 Significant Changes in Issuers and Public Companies 20
The Board of Directors’ Explanation
D.1 The Board of Directors’ Statement 16-19
Sustainability Governance
E.1 Responsible for Implementing Sustainable Finance 133-135
E.2 Competency Development Related to Sustainable Finance 121-122
E.3 Risk Assessment of the Implementation of Sustainable Finance 136-138
E.4 Stakeholder Engagement 147-149
E.5 Problems with the Implementation of Sustainable Finance 139
Sustainability Performance
F.1 Sustainable Culture Development Activities 132
Economic Performance
F.2 Comparison of targets to performance of production, portfolio, financing 34-35
targets, or investments, revenue as well as profit and loss
F.3 Comparison of target to performance of portfolio, financing target, or 35-36
investments in financial instruments or projects in line with the implementation
of Sustainable Finance
Environmental Performance
General Aspect
F.4 Environmental Costs That Incur 78
Material Aspect
F.5 Use of Environmentally Friendly Materials Not relevant to
banking sectors.
Sustainability Report 2024
156 PT Bank Negara Indonesia (Persero) Tbk
Page 157
No Index Disclosures Page
Energy Aspect
F.6 Amount and Intensity of Energy Used 82
F.7 Efforts and Achievements of Energy Efficiency and Use of Renewable Energy 82
Water Aspect
F.8 Water usage 85
Aspects of Biodiversity
F.9 Impacts from Operational Areas that are Near or Located in Conservation Areas 86
or Have Biodiversity
F.10 Biodiversity Conservation Efforts 86-88
Emission Aspect
F.11 Total and Intensity of Emissions Generated by Type 83
F.12 Efforts and Achievements of Emission Reduction Made 82-83
Waste and Effluent Aspects
F.13 Amount of Waste and Effluent Generated by Type 84-85
F.14 Waste and Effluent Management Mechanism 84-85
F.15 Occurring Spills (if any) Not relevant to
banking sectors.
Complaint Aspects Related to the Environment
F.16 Number and Material of Environmental Complaints Received and Resolved Not relevant to
banking sectors.
Social Performance
F.17 Commitment to Provide Services on Equal Products and/or Services to 69
Consumers
Employment Aspect
F.18 Equal Employment Opportunity 116-118
F.19 Child Labor and Forced Labor 116
F.20 Regional Minimum Wage 124
F.21 Decent and Safe Work Environment 128-129
F.22 Employee Capability Training and Development 119-123
Community Aspect
F.23 Impact of Operations on Surrounding Communities 92-107
F.24 Community Complaints 107
F.25 Corporate Social Responsibility (CSR) 103-106
Responsibility for Sustainable Product/Service Development
F.26 Innovation and Development of Sustainable Financial Products/Services 68
F.27 Products/Services That Have Been Evaluated for Safety for Customers 56
F.28 Product/Service Impact 68, 92-103
F.29 Number of Product Recalls 56
F.30 Customer Satisfaction Survey on Sustainable Financial Products and/or Services 74
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 157
Page 158
No Index Disclosures Page
Others
G.1 Written Verification from Independent Party (if any) 150-153
G.2 Feedback Sheet 191
G.3 Responses to Feedback on the Previous Year’s Sustainability Report 27
G4 List of Disclosures According to OJK Regulation Number 51/POJK.03/2017 156-158
concerning the implementation of Sustainable Finance for Financial Services
Institutions, Issuers, and Public Companies
GRI Standard
Statement of use PT Bank Negara Indonesia (Persero) Tbk has reported in accordance with the GRI
Standards for the period 1 January – 31 December 2024
GRI 1 used GRI 1: Foundation 2021
Applicable GRI Sector -
Standards
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 20
Disclosures 2-2 Entities included in the 24
2021 organization’s sustainability
reporting
2-3 Reporting period, frequency 24-25
and contact point
2-4 Restatements of information 24
2-5 External assurance 25, 150-
153
2-6 Activities, value chain and 20
other business relationships
2-7 Employees 110-112
2-8 Wokers who are not 112
employees
2-9 Governance structure and 133-
composition 135,140
2-10 Nomination and selection of 140
the highest governance body
2-11 Chair of the highest 140
governance body
2-12 Role of the highest 16-19,
governance body in 25, 140
overseeing the management
of impacts
2-13 Delegation of responsibility 134
for managing impacts
2-14 Role of the highest 16-19,
governance body in 134,
sustainability reporting 154-155
Sustainability Report 2024
158 PT Bank Negara Indonesia (Persero) Tbk
Page 159
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
2-15 Conflicts of interest 134, 140
2-16 Communication of critical 134,
concerns 136-138,
143-145
2-17 Collective knowledge of the 119-122
highest governance body
2-18 Evaluation of the performance 140
of the highest governance
body
2-19 Remuneration policy 140
2-20 Process to determine 140
remuneration
2-21 Annual total compensation Confidentiality The company cannot
ratio constraints disclose the data since it
is confidential
2-22 Statement on sustainable 10-19
development strategy
2-23 Policy commitments 14-15,
57, 69
2-24 Embedding policy 14-15
commitments
2-25 Processes to remediate 72-73,
negative impacts 136-138
2-26 Mechanisms for seeking 136-138
advice and raising concerns
2-27 Compliance with laws and 57, 132,
regulations 145
2-28 Membership associations 23-24
2-29 Approach to stakeholder 147-149
engagement
2-30 Collective bargaining 118
agreements
Material Topic
GRI 3: Material 3-1 Process to determine material 26
Topics topics
3-2 List of material topics 27
3-3 Management of material 33, 39,
topics 60
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 159
Page 160
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
Material Topic: Economic Performance and Green Portfolio Management
GRI 3: Material 3-3 Management of material 33
Topics topics
GRI 201: 201-1 Direct economic value 34
Economic generated and distributed
Performance 201-2 Financial implications and 39-43
2016 other risks and opportunities
due to climate change
201-3 Defined benefit plan 125
obligations and other
retirement plans
201-4 Financial assistance received 35
from government
Material Topic: Climate Resilience
GRI 3: Material 3-3 Management of material 39
Topics topics
GRI 302: Energy 302-1 Energy consumption within 82
2016 the organization
302-2 Energy consumption outside 82
of the organization
302-3 Energy intensity 82
302-4 Reduction of energy 82
consumption
GRI 305: 305-1 Direct (Scope 1) GHG 83
Emission 2016 emissions
305-2 Indirect (Scope 2) GHG 83
emissions
305-3 Other indirect (Scope 3) GHG 42, 83
emissions
305-4 GHG emissions intensity 83
305-5 Reduction of GHG emissions 82-83
305-6 Emissions of ozone-depleting 83
substances (ODS)
305-7 Nitrogen oxides (NOx), 83
sulfur oxides (SOx),
and other significant air
emissions
Material Topic: Data Security and Cybersecurity
GRI 3: Material 3-3 Management of material 60
Topics topics
GRI 418: 418-1 Substantiated complaints 62
Customer concerning breaches of
Privacy 2016 customer privacy and losses
of customer data
Sustainability Report 2024
160 PT Bank Negara Indonesia (Persero) Tbk
Page 161
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
Topic Standards Outside Material Topics
Market Presence
GRI 202: 202-1 Ratios of standard entry level 117, 124
Market wage by gender compared
Presence 2016 to local minimum wage
202-2 Proportion of senior 111
management hired from the
local community
Indirect Economic Impacts
GRI 203: 203-1 Infrastructure investments 104-106
Indirect and services supported
Economic
203-2 Significant indirect economic 92-98
Impacts 2016
impacts
Anti-corruption
GRI 205: Anti- 205-1 Operations assessed for 143-145
corruption 2016 risks related to corruption
205-2 Communication and training 144
about anti-corruption
policies and procedures
205-3 Confirmed incidents of 145
corruption and actions taken
Anti-competitive Behavior
GRI 206: Anti- 206-1 Legal actions for anti- 57
competitive competitive behavior,
Behaviour 2016 anti-trust, and monopoly
practices
Tax
GRI 207: Tax 207-1 Approach to tax 35
2019
207-2 Tax governance, control, and 35
risk management
207-3 Stakeholder engagement 35
and management of
concerns related to tax
Materials
GRI 301: 301-1 Materials used by weight or
Materials 2016 volume
301-2 Recycled input materials Not relevant for banking
Not applicable
used business
301-3 Reclaimed products and
their packaging materials
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 161
Page 162
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
Water and Effluents
GRI 303: Water 303-1 Interactions with water as a 85
and Effluents shared resource
2018
303-2 Management of water 85
discharge-related impacts
303-3 Water withdrawal 85
303-4 Water discharge 85
303-5 Water consumption 85
Biodiversity
GRI 304: 304-1 Operational sites owned, 86
Biodiversity leased, managed in, or
2016 adjacent to, protected
areas and areas of high
biodiversity value outside
protected areas
304-2 Significant impacts of 86
activities, products and
services on biodiversity
304-3 Habitats protected or 86-87
restored
304-4 IUCN Red List species and 87-88
national conservation list
species with habitats in
areas affected by operations
Waste
GRI 306: Waste 306-1 Waste generation and 79-80,
2020 significant waste-related 84-85
impacts
306-2 Management of significant 79-80,
waste-related impacts 84-85
306-3 Waste generation 84
306-4 Waste diverted from 80, 84-
disposal 85
306-5 Waste directed to disposal 84
Supplier Environmental Assessment
GRI 308: 308-1 New suppliers that 107
Supplier were screened using
Environmental environmental criteria
Assessment
308-2 Negative environmental 107
impacts in the supply chain
and actions taken
Sustainability Report 2024
162 PT Bank Negara Indonesia (Persero) Tbk
Page 163
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 113-115
Employment employee turnover
2016
401-2 Benefits provided to full- 124
time employees that are not
provided to temporary or
part-time employees
401-3 Parental leave 117, 124
Labor/Management Relations
GRI 402: Labor/ 402-1 Minimum notice periods Confidentiality Information is
Management regarding operational constraints confidential
Relations 2016 changes
Occupational Health & Safety
GRI 403: 403-1 Occupational health and 128
Occupational safety management system
Health & Safety
403-2 Hazard identification, risk 128
2018
assessment and incident
investigation
403-3 Occupational health services 128
403-4 Worker participation, 128
consultation, and
communication on
occupational health and
safety
403-5 Worker training on 128
occupational health and
safety
403-6 Promotion on worker health 128
403-7 Prevention and mitigation 128
of occupational health and
safety impacts directly linked
by business relationships
403-8 Workers covered by an 128
occupational health and
safety management system
403-9 Work-related injuries 129
403-10 Work-related ill health 129
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 163
Page 164
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
Training and Education
GRI 404: 404-1 Average hours of training 122-123
Training and per year per employee
Education 2016
404-2 Programs for upgrading 119-123
employee skills and
transition assistance
programs
404-3 Percentage of employees 125
receiving regular
performance and career
development reviews
Diversity and Equal Opportunity
GRI 405: 405-1 Diversity of governance 111,
Diversity bodies and employees 117-118
and Equal
Opportunity
2016
Non-discrimination
GRI 406: Non- 406-1 Incidents of discrimination 18, 110
discrimination and corrective actions taken
2016
Freedom of Association and Collective Bargaining
GRI 407: 407-1 Operations and suppliers in 118
Freedom of which the right to freedom
Association of association and collective
and Collective bargaining may be at risk
Bargaining 2016
Child Labor
GRI 408: Child 408-1 Operations and suppliers at 116
Labor 2016 significant risk for incidents
of child labor
Forced or Compulsory Labor
GRI 409: Forced 409-1 Operations and suppliers at 116
or Compulsory significant risk for incidents
Labor 2016 of forced or compulsory labor
Rights of Indigenous Peoples
GRI 411: Rights 411-1 Incidents of violations 107
of Indigenous involving rights of
Peoples 2016 indigenous peoples
Sustainability Report 2024
164 PT Bank Negara Indonesia (Persero) Tbk
Page 165
GRI
Omission
Sector
GRI Standards Indicator Disclosure Page
Requirement(s) Standard
Reason Explanation
Omitted Ref.No
Local Communities
GRI 413: Local 413-1 Operations with local 103-107
Communities community engagement,
2016 impact assessments, and
development programs
413-2 Operations with significant 103-107
actual and potential
negative impacts on local
communities
Supplier Social Assessment
GRI 414: 414-1 New suppliers that were 107
Supplier Social screened using social criteria
Assessment
414-2 Negative social impacts in 107
2016
the supply chain and actions
taken
Public Policy
GRI 415: Public 415-1 Political contributions 57
Policy 2016
Customer Health and Safety
GRI 416: 416-1 Assessment of the health
Customer and safety impacts of
Health and product and service
Safety 2016 categories Not relevant to banking
Not applicable
416-2 Incidents of non-compliance sectors
concerning the health and
safety impacts of products
and services
Marketing and Labeling
GRI 417: 417-1 Requirements for product 56, 71
Marketing and and service information and
Labeling 2016 labeling
417-2 Incidents of non-compliance 71
concerning product and
service information and
labeling
417-3 Incidents of non-compliance 71
concerning marketing
communications
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 165
Page 166
G4 Financial Sector Supplement 2013
Indicator Disclosure Page
FS1 Policies with specific environmental and social components applied to 44-55
business lines
FS2 Procedures for assessing and screening environmental and social risks in 44-55
business lines
FS3 Processes for monitoring clients’ implementation of and compliance 44-55
with environmental and social requirements included in agreements or
transactions
FS4 Process(es) for improving staff competency to implement the 121
environmental and social policies and procedures as applied to business
lines
FS5 Interactions with clients/investees/business partners regarding 92-98
environmental and social risks and opportunities
FS6 Percentage of the portfolio for business lines by specific region, size (e.g. 35
micro/sme/large) and by sector
FS7 Monetary value of products and services designed to deliver a specific 92
social benefit for each business line broken down by purpose
FS8 Monetary value of products and services designed to deliver a specific 36, 54
environmental benefit for each business line broken down by purpose
FS9 Coverage and frequency of audits to assess implementation of 44-55
environmental and social policies and risk assessment procedures
FS10 Percentage and number of companies held in the institution’s portfolio 45-54
with which the reporting organization has interacted on environmental or
social issues
FS11 Percentage of assets subject to positive and negative environmental or 54
social screening
FS12 Voting policy(ies) applied to environmental or social issues for shares Not applicable to SOEs
over which the reporting organization holds the right to vote shares or
advises on voting
FS13 Access points in low-populated or economically disadvantaged areas by 100
type
FS14 Initiatives to improve access to financial services for disadvantaged 69
people
FS15 Policies for the fair design and sale of financial products and services 56, 69
FS16 Initiatives to enhance financial literacy by type of beneficiary 99-103
Sustainability Report 2024
166 PT Bank Negara Indonesia (Persero) Tbk
Page 167
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: 22
(a) personal and (b) small business
FN-CB-000.B (1) Number and (2) value of loans by segment: (a) personal and (b) small 35
business
Data Security
FN-CB-230a.1 (1) Number of data breaches, (2) percentage involving personally 60
identifiable information (PII), (3) number of account holders affected
FN-CB-230a.2 Description of approach to identifying and addressing data security risks 60
Financial Inclusion & Capacity Building
FN-CB-240a.1 (1) Number and (2) amount of loans outstanding qualified to programs 92
designed to promote small business and community development
FN-CB-240a.2 (1) Number and (2) amount of past due and nonaccrual loans qualified 38, 92
to programs designed to promote small business and community
development
FN-CB-240a.3 Number of no-cost retail checking accounts provided to previously 99-100
unbanked or underbanked customers
FN-CB-240a.4 Number of participants in financial literacy initiatives for unbanked, 99-100
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 44-53, 137-
governance (ESG) factors in credit analysis 138
Financed Emissions
FN-CB-410b.1 Absolute gross financed emissions, disaggregated by (1) Scope 1, (2) 41-42
Scope 2 and (3) Scope 3
FN-CB-410b.2 Gross exposure for each industry by asset class 42
FN-CB-410b.3 Percentage of gross exposure included in the financed emissions 42
calculation
FN-CB-410b.4 Description of the methodology used to calculate financed emissions 41
Business Ethics
FN-CB-510a.1 Total amount of monetary losses as a result of legal proceedings 57
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 141
Risk Management System
FN-CB-550a.1 Global Systemically Important Bank (G-SIB) score, by category Not
applicable
FN-CB-550a.2 Description of approach to incorporation of environmental, social, 43, 45-55,
and governance (ESG) factors in credit analysis into capital adequacy 136
planning, long-term corporate strategy, and other business activities
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 167
Page 168
Sustainable Banking Assessment (SUSBA) Index
Indicator Disclosure Page
Purpose Sustainability Strategy and stakeholder engagement 14-15, 147-149
Stakeholder engagement and participation in sustainable 23-24
finance initiatives
Policies Public statements on specific ESG issues 14-15, 132-138
Public statements on specific sectors 44-55
Processes Assessing ESG risks in client and transaction approvals 44-55
Client monitoring and engagement 55
People Responsibilities for ESG 56
Staff E&S training and performance evaluation 121-122, 125
Products ESG integration in products and services 30-42
Portfolio ESG risk assessment and mitigation at portfolio level 44-55
Disclosure of ESG risk exposure and targets 136-138
Asean Corporate Governance Scorecard (ACGS)
Level 1
B. Sustainability and Resilience
No. Principles and Recommendations Page
B.1 Sustainability-related disclosure should be consistent, comparable and reliable, and
include retrospective and forward-looking material information that a reasonable
investor would consider important in making an investment or voting decision
Material Sustainability-related information should be specified
B.1.1 Does the company identify/report ESG topics that are material to the organization’s 26-27
strategy?
B.1.2 Does the company identify climate change as an issue? 26-27, 39
B.1.3 Does the company adopt an internationally recognized reporting framework or 24
standard for sustainability (i.e. GRI, Integrated Reporting, SASB, IFRS Sustainability
Disclosure Standards)?
If a company publicly sets a sustainability-related goal or target, the disclosure framework should provide that
reliable metrics are regularly disclosed in an easily accessible form
B.1.4 Does the company disclose quantitative sustainability target? 10-13
B.1.5 Does the company disclose sustainability-related performance progress in relation 33, 35, 38, 41,
to its previously set targets? 79, 92
B.1.6 Does the company confirm that its Sustainability Report / Reporting is reviewed and 24-25, 154-155
/or approved by the Board or Board Committee?
B.2 Corporate governance frameworks should allow for dialogue between a company,
its shareholders and stakeholders to exchange views on sustainability matters
B.2.1 Does the company engage internal stakeholders to exchange views and gather 26, 147-149
feedback on sustainability matters that are material to the business of the company?
B.2.2 Does the company engage external stakeholders to exchange views and gather 26, 147-149
feedback on sustainability matters that are material to the business of the company?
Sustainability Report 2024
168 PT Bank Negara Indonesia (Persero) Tbk
Page 169
No. Principles and Recommendations Page
B.3 The corporate governance framework should ensure that boards adequately consider
material sustainability risks and opportunities when fulfilling their key functions in
reviewing, monitoring and guiding governance practices, disclosure, strategy, risk
management and internal control systems, including with respect to climate-related
physical and transition risks
Boards should assess whether the company’s capital structure is compatible with its strategic goals and its
associated risk appetite to ensure it is resilient to different scenarios
B.3.1 Does the company disclose that the board reviews on an annual basis that the 44-45, 136
company's capital and debt structure is compatible with its strategic goals and its
associated risk appetite?
B.4 The corporate governance framework should recognise the rights of stakeholders
established by law or through mutual agreements and encourage active co-
operation between corporations and stakeholders in creating wealth, jobs, and the
sustainability of financially sound enterprises.
Does the company disclose a policy and practices that address :
B.4.1 The existence and scope of the company's efforts to address customers' welfare? 60-74
B.4.2 Supplier/contractor selection procedures? 107
B.4.3 The company's efforts to ensure that its value chain is environmentally friendly or is 107
consistent with promoting sustainable development?
B.4.4 The company's efforts to interact with the communities in which they operate? 92-107
B.4.5 The company's anti-corruption programmes and procedures? 143-145
B.4.6 How creditors' rights are safeguarded? 55
B.4.7 Does the company have a separate report/section that discusses its efforts on 171-190
environment/economy and social issues?
B.5 Where stakeholder interests are protected by law, stakeholders should have the
opportunity to obtain effective redress for violation of their rights.
B.5.1 Does the company provide contact details via the company's website or Annual 72-73
Report which stakeholders (e.g. customers, suppliers, general public etc.) can use to
voice their concerns and/or complaints for possible violation of their rights?
B.6 Mechanisms for employee participation should be permitted to develop.
B.6.1 Does the company explicitly disclose the policies and practices on health, safety and 128-129
welfare for its employees?
B.6.2 Does the company explicitly disclose the policies and practices on training and 119-123
development programmes for its employees?
B.6.3 Does the company have a reward/compensation policy that accounts for the 124-127
performance of the company beyond short-term financial measures?
B.7 Stakeholders including individual employee and their representative bodies, should
be able to freely communicate their concerns about illegal or unethical practices to
the board and their rights should not be compromised for doing this.
B.7.1 Does the company have a whistle blowing policy which includes procedures for 141
complaints by employees and other stakeholders concerning alleged illegal and
unethical behaviour and provide contact details via the company's website or annual
report
B.7.2 Does the company have a policy or procedures to protect an employee/person who 140-141
reveals alleged illegal/unethical behaviour from retaliation?
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 169
Page 170
Level 2 - Bonus Items
No. Principles and Recommendations Page
(B) B.1
(B) B.1.1 Does the company disclose how it manages climate-related risks and opportunities? 39-43
(B) B.1.2 Does the company disclose that its Sustainability Report / Sustainability Reporting 150-153, Yes
is externally assured?
(B) B.1.3 Does the company disclose the engagement channel with stakeholder groups and 147-149
how the company responds to stakeholders’ ESG concerns?
(B) B.1.4 Does the company have a unit / division / committee who is specifically responsible 134-135
to manage the sustainability matters?
(B) B.1.5 Does the company disclose board of directors/commissioners' oversight of 132-133
sustainability-related risks and opportunities?
(B) B.1.6 Does the company disclose the linkage between executive directors and senior Confidentiality
management remuneration and sustainability performance for the previous year? constraints
(B) B.1.7 Is the company’s Whistle Blowing System managed by independent parties / 141, Yes
institutions?
Sustainability Report 2024
170 PT Bank Negara Indonesia (Persero) Tbk
Page 171
Green Bond
Report
June 2024
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 171
Page 172
Table of Contents
01 Introduction
02 Summary of BNI Green Bond Framework & Issue
03 Allocation of Proceeds
04 Impact Reporting
Sustainability Report 2024
172 PT Bank Negara Indonesia (Persero) Tbk
PT BANK NEGARA INDONESIA (PERSERO) TBK. PAGE 1
Page 173
01 | Introduction
As one of the Banks who are the driving force of Sustainable Finance implementation in Indonesia, PT Bank
Negara Indonesia (Persero) Tbk or BNI continuously drives all BNI employees to stay in the forefront of
sustainable finance implementation. BNI believes that its actions are in line with and support sustainable
development, in addition to improving BNI’s resilience and competitiveness.
BNI’s commitment to sustainability is marked with the implementation of sustainable values as the
Company’s values, attitudes, and work cultures, as well as the Company’s strategies, operating policies,
systems, and procedures. BNI is involved firsthand in the establishment of Indonesia’s Sustainable Finance
Initiatives (Inisiatif Keuangan Berkelanjutan Indonesia, “IKBI”) to support and improve the implementation
of sustainable finance in Indonesia. Furthermore, BNI also continuously fosters partnership opportunities
with various parties, to unite our energy to sustain the earth and its entire habitants.
The Financial Services Authority (Otoritas Jasa Keuangan, “OJK”) has issued the Sustainable Finance
Roadmap for Phase I (2015-2019) and Phase II (2021-2025), with the purpose of improving awareness and
increasing the capacity of the financial service sector to operate in an environmentally friendly manner.
The sustainable finance initiatives developed in the Phase II Roadmap by the Financial Services Authority
(OJK) will integrate seven main components in a single ecosystem, consisting of policies, products, market
infrastructures, inter-ministerial/institutional coordination, non-governmental support, human resources,
and awareness. BNI will extend its contribution in product development and market infrastructures.
As the embodiments of BNI’s tangible role commitments to support green financing, BNI issued Rupiah
denominated Green Bonds in the amount of IDR5 trillion in June 2022
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 173
Page 174
02 | Green Bond Framework & Issue
A. Green Bond Framework
Prior to the Green Bond Issue in June 2022, BNI has developed a Green Bond Framework and engaged
Sustainalytics to issue a Second-Party Opinion (SPO). BNI has aligned the Green Bond Framework with the
Provisions of the Financial Services Authority Regulation (Peraturan OJK, “POJK”) No. 60/POJK.04/2017
concerning Issuance and Requirements of Green Debt Securities, Green Bond Principles 2021 (GPB) issued
by the International Capital Market Association (ICMA) and the ASEAN Green Bond Standards 2018. The
summary of BNI’s Green Bond Framework is presented below:
Use of Proceeds
Proceeds from the Green Bond shall be used specifically Eligible Green Projects must meet at least one of the
to finance or re-finance assets that are directly related following categories:
with “Eligible Green Projects” in compliance with the
Green Bond Principles. 1. Renewable Energy
2. Energy Efficiency
3. Waste to Energy and Waste Management
4. Sustainable Natural Resources and Land Use
5. Terrestrial and Aquatic Biodiversity Conservation
6. Sustainable Transportation
7. Sustainable Water and Wastewater Management
8. Climate Change Adaptation
9. Green Buildings
10. Sustainable Agriculture
Project Selection & Evaluation Process
BNI has established the ESG Sub-Committee that is responsible for evaluating and selecting projects that
meet the criteria of Green Bond Framework
Debtors are required to meet the requirements as BNI’s debtors, as determined by the business unit and in
accordance with the credit risk evaluation conducted by the risk unit.
Debtors meet the Risk Acceptance Criteria (RAC) based on the evaluation of the Bank’s Risk Management.
Sustainability Report 2024
174 PT Bank Negara Indonesia (Persero) Tbk
Page 175
02 | Green Bond Framework & Issue
B. Management of Use of Proceeds
BNI’s Treasury Division and Corporate Planning and Performance Management Division
Receipt of will be responsible for the receipt and management of the proceeds to be allocated to
Proceeds projects that meet criteria based on the ESG Sub-Committee’s evaluation.
The Bank will use its internal information system to track and report the allocation of
Tracking proceeds using a register of eligible projects.
Unallocated
Unallocated proceeds will be temporarily held in the form of cash or cash equivalents.
Proceeds
C. Reporting
Allocation Reporting
BNI will issue a Green Bond Report on an annual basis, beginning at no later than the date that
falls one year after the proceeds from the first issuance are received by BNI, in order to provide
transparency to investors and regulations in relation to the implementation of the Framework.
Impact Reporting
BNI shall issue the environmental and/or social impacts of eligible assets financed by the issued
Green Bonds. Whereas the quantitative positive impact indicators in BNI’s Green Bond Report cover
the following indicators:
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 175
Page 176
02 | Green Bond Framework & Issue
1. Renewable Energy • Estimated renewable energy generation per year in MWh/GWh (electricity)
and GJ/TJ (other energies)
• Estimated annual green gas emission reduced/prevented in tonnes of CO2
equivalent
2. Sustainable • Estimated annual green gas emission reduced/prevented in tonnes of CO2
Transportation equivalent
• Number of green vehicles launched
• Estimated kilometers of new/improved railway/special lanes for Bus, BRT, LRT
corridors, and bike lanes
3. Green Buildings • Percentage of energy use reduced/avoided vs initial data/local building codes
• Estimated annual green house gases reduced/avoided vs local initial data/
local initial certification level
• Certification level per property
4. Waste to Energy and • Estimated tonnes of waste redirected or recycled
Waste Management
5. Sustainable Natural • Estimated total hectares protected and/or certified
Resources and Land • Estimated total trees planted in FSC/PEFC certified reforestation projects
Use
D. Issue
On June 21, 2022, BNI issued green bonds with a total principal of IDR5 trillion. The debt securities are
divided into 2 series, i.e., A Series, with a total principal value of IDR4 trillion and a term of 3 years, and B
Series with a total principal value of IDR1 trillion and a term of 3 years.
The aforementioned transaction represents a number of milestones for BNI, namely:
• The First Green Bond Issue by Banks in Indonesia
• BNI’s Green Bond attracted investors during the bookbuilding, where the bonds were oversubscribed
by 3.1 times
Sustainability Report 2024
176 PT Bank Negara Indonesia (Persero) Tbk
Page 177
02 | Green Bond Framework & Issue
Deal Summary
Instrument : Domestic Corporate Green Bonds that meet the Provisions of POJK
60/2017 concerning Green Bonds
Total Issue : IDR5,000,000,000,000 (Five Trillion Rupiah)
A Series 3-year Term 6.35% in the amount of IDR4 Trillion
B Series 5-year Term 6.85% in the amount of IDR1 Trillion
Average term of 3.4 years and Coupon of 6.45%
Rating : idAAA (PEFINDO)
Maturity Date : A Series : June 21, 2025
B Series : June 21, 2027
Settlement Date : June 21, 2022
Penggunaan Hasil : Business expansion, refinancing, and reprofiling fundings with due
considerations to the provisions of POJK 60/2017 (minimum 70%
financing for Green Business Activities)
Listing : PT Bursa Efek Indonesia
Final Orderbook : IDR15,300,000,000,000
Oversubscription rate : 3.1x
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 177
Page 178
03 | Allocation of Proceeds
As of December 2022, BNI has allocated 87.26% of proceeds from BNI 2022 Green Bonds. The details of
such allocation are presented below:
Eligible Categoryz Financed/ Refinanced Amount Allocated Allocation of Proceeds
Renewable Energy Refinanced IDR343 Billion 7,86%
Sustainable Transportation Refinanced IDR2,317 Billion 53,10%
Green Buildings Refinanced IDR336 Billion 7,70%
Waste to Energy and Waste Refinanced IDR569 Billion 13,05%
Management
Sustainable Natural Refinanced IDR798 Billion 18,29%
Resources and Land Use
Total IDR4,363 Billion 100%
Allocation Portion Financed vs Refinance
7+5371320
7,86%
18,29%
53,10%
13,05%
7,70%
100%
Renewable Energy Refinanced
Sustainable Transportation
Geen Buildings
Waste to Energy and Waste Management
Sustainable Natural Resources and Land Use
Sustainability Report 2024
178 PT Bank Negara Indonesia (Persero) Tbk
Page 179
03 | Allocation of Proceeds
BNI has allocated 100% of the proceeds from Green Bonds to 10 Green Business Activities (Kegiatan
Usaha Berwawasan Lingkungan, “KUBL”) categories in accordance with the provisions of Financial
Services Authority (OJK) Regulation Number 60/POJK.04/2017 concerning Issuance and Requirement of
Green Debt Securities (Green Bond). The aforementioned provisions also set out the minimum allocation
of proceeds from Green Bonds to financing under KUBL categories at 70% of the issued bond value,
therefore, BNI has complied with the requirements concerning allocation of proceeds from Green Bonds.
The allocation in accordance with the Green Bond Framework amounted to 87.67%, where 7.86% was
allocated to Renewable Energy, 53.10% to Green Transportation, 7.70% to Green Buildings, 13.05% to
Waste to Energy and Waste Management, and 18.29% to Sustainable Natural Resources and Land Use
from the categories available in the Green Bond Framework. The remaining proceeds were allocated to
other KUBL categories.
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 179
Page 180
04 | Impact Reporting
Renewable Energy
The allocation of proceeds from Green Bonds to the Renewable Energy category was made for Solar
Power Plants (SPP), Mini-Hydro Power Plants (PLTMH), and Biogas Power Plants (PLTBG). These projects
are able to provide direct contributions to the provision of access to clean and affordable energy and the
improvement of proportion of renewable energy mix as well as the reduction of GHG emission.
Solar Power Plants (SPP)
Solar Power Plants are power plants that utilize potential energy from photovoltaic solar panels that are
able to convert solar power to electricity, which can therefore be used to meet the needs for electricity.
SPP to network projects available are located in Geranting Island, Akar Island, Jaga Island, Nuja Island,
Pulang Panjang and Pulang Sebung in the Riau Islands (6 SPPs) and these SPPs have a total capacity of
0.78 MW that are capable to generate and distribute electricity directly.
Environmental Impact
1,394 (tCO2eq/year) 1,426 MWh
Avoided GHG Emission per Energy produced per year
year
Other Impacts
600 Heads of Households 24 People
Access to clean and affordable Total employees receiving
energy training on project operation
30 People
Total local people employed
Alignment with SDGs :
Sustainability Report 2024
180 PT Bank Negara Indonesia (Persero) Tbk
Page 181
04 | Impact Reporting
Renewable Energy
Mini-Hydro Power Plant (MHPP)
Mini-Hydro Power Plants (MHPP) are power plants that utilize the potential energy from the watershed area
of Cikaengan river, Pandeuy Village, Pandeuy District, Garut Regency. Cikaengan MHPP has a capacity of
3 x 1.7 MW (5.1 MW) and is able to electrify households and increase the percentage of new renewable
energy (NRE) mix in the area.
Environmental Impact
26,686 (tCO2eq/year) 25,415 MWh
Avoided GHG Emission per Energy produced per year
year
Other Impacts
2 Districts 25 People
Karangnunggal and Total employees receiving
Singaparna Districts gained training on project operation
access to renewable energy
30 People
Total local people employed
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 181
Page 182
04 | Impact Reporting
Renewable Energy
Biogas Power Plant (PLTBG)
Biogas power plants are power plants that utilize palm oil waste from RSPO/ISPO-certified plantations and
cassava waste from tapioca flour processing. The Biogas Power Plants are situated in several locations,
namely:
Biogas Power Plant Energy Capacity (MW)
Biogas Power Plants - Nanga Bulik, Lamandau District, Central Kalimantan Province 1.5
Biogas Power Plants - Pisau Island, Central Kalimantan 1.5
Biogas Power Plants - Sei Rampah, North Sumatra Province 1.0
Biogas Power Plants - Nabung Timur, Rumbia, Lampung Province 1.0
Biogas Power Plants - Setia Bumi, Seputih Banyak, Lampung Province 1.0
Biogas Power Plants - Sukaraja Nuban, Lampung Timur Regency, Lampung Province 1.0
Biogas Power Plants - Tulung Buyut, Lampung Province 2.0
Environmental Impact
21,275 (tCO2eq/year) 22,106 MWh
Avoided GHG Emission per Energy produced per year
year
Other Impacts
7 Manufacturing 30 People
Total Manufacturing that obtained Total employees receiving
access to renewable energy training on project operation
30 People
Total local people employed
Sustainability Report 2024
182 PT Bank Negara Indonesia (Persero) Tbk
Page 183
04 | Impact Reporting
Sustainable Transportation
The Jabodebek Light Rail Transit (LRT) project is an electric-powered singe track train system project
connecting Jakarta with its surrounding cities, such as Bogor, Depok, and Bekasi. The rail-based
transportation project will be integrated with the existing transportation modes (Transjakarta buses,
commuter lines, bus terminals, park and ride facilities, and the airport) at several stations. The Jabodebek
LRT infrastructure project has a total railway length of 43 KM and is targeted to serve a total of 25,550,000
passengers/year based on the projection of total passengers of Jabodebek LRT in the 2024 Jabodebek
LRT Feasibility Study Final Review Report.
Environmental Impact
55,414 (tCO2eq/year) 791,630 Gj
Avoided GHG Emission per Energy saving per year
year
Other Impacts
2,295 People 39 People
Total employees employed Total employees receiving
training on project operation
Alignment with SDGs :
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 183
Page 184
04 | Impact Reporting
Green Buildings
The allocation to Green Building category is made to Building construction projects that meet the Gold
standards according to Greenship or higher, which are developed by the Green Building Council Indonesia
(GBC Indonesia) or other nationally or internationally recognized standards or environmental performance
certification, which consists of six categories, namely, appropriate site development, energy efficiency
and conservation, water conservation, material resources & cycle, air quality and comfort, and building
and environmental management.
The green building is located in Depok City, with 5 floors that function as a shopping center as well as
open green-space with a total area of 14,133 m2. The building has obtained the Green Mark certificate
from BCA (Building and Construction Authority) with Platinum rating in 2023.
Environmental Impact
10.691 (tCO2eq/year) Certificate
Avoided GHG Emission per
year
Platinum Level
Other Impacts
3 People 10 People
Total local people employed Total employees receiving
training on project operation
Alignment with SDGs :
Sustainability Report 2024
184 PT Bank Negara Indonesia (Persero) Tbk
Page 185
04 | Impact Reporting
Waste to Energy and Waste Management
The allocation of Green Bond Proceeds to the Waste to Energy and Waste Management category is
made waste processing projects, including recycling to secondary raw material processes and anaerobic
composting to organic fertilizer projects. These projects are able to contribute to the achievement of
sustainable targets in the form of sustainable use and management of natural resources, responsible
chemical and waste management, and are able to substantially reduce waste generation in accordance
with SDG 12 and reduce GHG emission in accordance with SDG 13.
Presented below are the Waste to Energy and Waste Management projects:
• Project to manage plastic waste to be recycled into plastic goods
• Projects to process aluminum scraps to be recycled into aluminum mix ingots.
• Project to process paper waste to be recycled into brown paper.
• Project to process metal ash waste to be recycled into secondary raw material in the form of Zinc Oxide.
• Project to process garden waste and/or organic waste to be recycled into organic fertilizers.
Environmental Impact
879,766 (tCO2eq/year) 1,642,473 (Tonnes/year)
Avoided GHG Emission per Total waste recycled
year
Other Impacts
815 People 255 People
Total local people employed Total employees receiving
training on project operation
Alignment with SDGs :
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 185
Page 186
04 | Impact Reporting
Sustainable Natural Resources and Land Use
The Sustainable Natural Resources and Land Use category is applied to forest concession projects with
an FSC-certified sustainable management plan, located in Nabire, Central Papua Province, and Kaimana,
West Papua Province. This project protects and maintains tree species that are capable of capturing and
storing carbon dioxide.
Environmental Impact
446.757 (tCO2eq/year) 28.955 (Trees)
Avoided GHG Emission per Total trees planted in
year reforestation projects
314.387 (Ha)
Total hectares protected and/
or certified
Other Impacts
12 People
Total local people employed
Alignment with SDGs :
Sustainability Report 2024
186 PT Bank Negara Indonesia (Persero) Tbk
Page 187
>WKZEZ s/h,>/>/E'<hE'E
ZĞǀŝĞǁZĞƉŽƌƚďLJ ŶǀŝƌŽŶŵĞŶƚĂů džƉĞƌƚ
^'Ɛ ,Ƶď hŶŝǀĞƌƐŝƚĂƐ /ŶĚŽŶĞƐŝĂ͕ ƐĞůĂŬƵ Śůŝ >ŝŶŐŬƵŶŐĂŶ^'Ɛ ,Ƶď hŶŝǀĞƌƐŝƚĂƐ /ŶĚŽŶĞƐŝĂ͕ ĂƐ ƚŚĞ ŶǀŝƌŽŶŵĞŶƚĂů
ĚŝƉŝůŝŚ ƵŶƚƵŬ ŵĞůĂŬƵŬĂŶ ƌĞǀŝƵ >ĂƉŽƌĂŶ KďůŝŐĂƐŝ džƉĞƌƚ ĐŚŽƐĞŶ ƚŽ ƌĞǀŝĞǁ ƚŚĞ ϮϬϮϰ E/ ^ƵƐƚĂŝŶĂďůĞ
ĞƌǁĂǁĂƐĂŶ >ŝŶŐŬƵŶŐĂŶ ĞƌŬĞůĂŶũƵƚĂŶ E/ dĂŚƵŶ ϮϬϮϰ ŶǀŝƌŽŶŵĞŶƚĂůůLJ &ƌŝĞŶĚůLJ ŽŶĚƐ ZĞƉŽƌƚ ;'ƌĞĞŶ ŽŶĚ
;'ƌĞĞŶ ŽŶĚ ZĞƉŽƌƚͿ ĚĞŶŐĂŶ ĚŝƐĞƌƚĂŬĂŶ ďĞďĞƌĂƉĂ ĚĂƚĂ ZĞƉŽƌƚͿǁŚŝĐŚŝŶĐůƵĚĞƐƐĞǀĞƌĂůƐƵƉƉŽƌƚŝŶŐĚĂƚĂƌĞůĂƚĞĚƚŽ
ƉĞŶĚƵŬƵŶŐ ƚĞƌŬĂŝƚ ƉĞŶĞƌďŝƚĂŶ KďůŝŐĂƐŝ ĞƌǁĂǁĂƐĂŶ ƚŚĞ ŝƐƐƵĂŶĐĞ ŽĨ E/ΖƐ ϮϬϮϮ ^ƵƐƚĂŝŶĂďůĞ ŶǀŝƌŽŶŵĞŶƚĂůůLJ
>ŝŶŐŬƵŶŐĂŶ ĞƌŬĞůĂŶũƵƚĂŶ E/ ƚĂŚƵŶ ϮϬϮϮ ;'ƌĞĞŶ ŽŶĚ &ƌŝĞŶĚůLJ ŽŶĚƐ ;'ƌĞĞŶ ŽŶĚ ϮϬϮϮͿ ĂŶĚ ƚŚĞ 'ƌĞĞŶ ŽŶĚ
ϮϬϮϮͿ ďĞƌŝŬƵƚ ŬĞƌĂŶŐŬĂ ŬĞďŝũĂŬĂŶ 'ƌĞĞŶ ŽŶĚ ƚĞƌƐĞďƵƚ͘ ƉŽůŝĐLJ ĨƌĂŵĞǁŽƌŬ͘ ŶǀŝƌŽŶŵĞŶƚĂů džƉĞƌƚƐ ŚĂǀĞ ƌĞůĞǀĂŶƚ
Śůŝ >ŝŶŐŬƵŶŐĂŶ ŵĞŵŝůŝŬŝ ŬŽŵƉĞƚĞŶƐŝ ƉĞŶŐĂůĂŵĂŶ ĚĂŶ ĞdžƉĞƌŝĞŶĐĞ ĂŶĚ ĐĞƌƚŝĨŝĐĂƚĞ ĐŽŵƉĞƚĞŶĐŝĞƐ ŝŶ
ďĞƌŝũĂnjĂŚ LJĂŶŐ ƌĞůĞǀĂŶ ĚĂůĂŵ ŬĞŐŝĂƚĂŶ ďĞƌǁĂǁĂƐĂŶ ĞŶǀŝƌŽŶŵĞŶƚĂůůLJ ĨƌŝĞŶĚůLJ ĂŶĚ ƐƵƐƚĂŝŶĂďůĞ ĚĞǀĞůŽƉŵĞŶƚ
ůŝŶŐŬƵŶŐĂŶĚĂŶWĞŵďĂŶŐƵŶĂŶďĞƌŬĞůĂŶũƵƚĂŶ;>ĂŵƉŝƌĂŶ/Ϳ͘ ĂĐƚŝǀŝƚŝĞƐ;ƉƉĞŶĚŝdž/Ϳ͘
dĂŶŐŐƵŶŐ:ĂǁĂďDĂŶĂũĞŵĞŶE/ DĂŶĂŐĞŵĞŶƚZĞƐƉŽŶƐŝďŝůŝƚŝĞƐ
dĂŶŐŐƵŶŐũĂǁĂďŵĂŶĂũĞŵĞŶE/ĂƚĂƐƉĞŶLJƵƐƵŶĂŶĚĂŶ E/ ŵĂŶĂŐĞŵĞŶƚΖƐ ƌĞƐƉŽŶƐŝďŝůŝƚLJ ĨŽƌ ƚŚĞ ƉƌĞƉĂƌĂƚŝŽŶ ĂŶĚ
ƉĞŶLJĂũŝĂŶ 'ƌĞĞŶ ŽŶĚ ZĞƉŽƌƚ ϮϬϮϰ ƚĞƌƐĞďƵƚ ƐĞƐƵĂŝ ƉƌĞƐĞŶƚĂƚŝŽŶ ŽĨ ƚŚĞ ϮϬϮϰ 'ƌĞĞŶ ŽŶĚ ZĞƉŽƌƚ ŝƐ ŝŶ
ĚĞŶŐĂŶ 'ƌĞĞŶ ŽŶĚ &ƌĂŵĞǁŽƌŬ ĂŶŬ E/ ĚĂŶ WK:< EŽ͘ ĂĐĐŽƌĚĂŶĐĞ ǁŝƚŚ E/ΖƐ 'ƌĞĞŶ ŽŶĚ &ƌĂŵĞǁŽƌŬ ĂŶĚ
ϲϬdĂŚƵŶϮϬϭϳ͘ &ŝŶĂŶĐŝĂů ^ĞƌǀŝĐĞƐ ƵƚŚŽƌŝƚLJ ZĞŐƵůĂƚŝŽŶ ;WK:<Ϳ EŽ͘ ϲϬ ŽĨ
ϮϬϭϳ͘
dĂŶŐŐƵŶŐ:ĂǁĂďŚůŝ>ŝŶŐŬƵŶŐĂŶ ZĞƐƉŽŶƐŝďŝůŝƚŝĞƐŽĨ ŶǀŝƌŽŶŵĞŶƚĂů džƉĞƌƚƐ
dĂŶŐŐƵŶŐũĂǁĂďŚůŝ>ŝŶŐŬƵŶŐĂŶĂĚĂůĂŚƵŶƚƵŬ dŚĞ ŶǀŝƌŽŶŵĞŶƚĂů džƉĞƌƚΖƐƌĞƐƉŽŶƐŝďŝůŝƚLJŝƐƚŽƌĞǀŝĞǁƚŚĞ
ŵĞůĂŬƵŬĂŶ ƌĞǀŝƵ 'ƌĞĞŶ ŽŶĚ ZĞƉŽƌƚ ĚĂŶ ďĞďĞƌĂƉĂ 'ƌĞĞŶ ŽŶĚ ZĞƉŽƌƚ ĂŶĚ ƐĞǀĞƌĂů ŽƚŚĞƌ ƐƵƉƉŽƌƚŝŶŐ
ĚŽŬƵŵĞŶƉĞŶĚƵŬƵŶŐůĂŝŶŶLJĂƐĞƐƵĂŝŬĞƚĞŶƚƵĂŶWK:<EŽ͘ ĚŽĐƵŵĞŶƚƐ ĨŽůůŽǁŝŶŐ ƚŚĞ ƉƌŽǀŝƐŝŽŶƐ ŽĨ WK:< EŽ͘ ϲϬ ŽĨ
ϲϬ dĂŚƵŶ ϮϬϭϳ͘ ZĞǀŝƵ LJĂŶŐ ŬĂŵŝ ůĂŬƵŬĂŶ ŵĞŶĐĂŬƵƉ ϮϬϭϳ͘dŚĞƌĞǀŝĞǁǁĞĐĂƌƌŝĞĚŽƵƚŝŶĐůƵĚĞĚƚŚĞƐƵŝƚĂďŝůŝƚLJŽĨ
ŬĞƐĞƐƵĂŝĂŶ ŝŵƉůĞŵĞŶƚĂƐŝ ƉĞŵŝůŝŚĂŶ ƉƌŽLJĞŬ <ĞŐŝĂƚĂŶ ƚŚĞ ŝŵƉůĞŵĞŶƚĂƚŝŽŶ ŽĨ ƚŚĞ ƐĞůĞĐƚŝŽŶ ŽĨ ŶǀŝƌŽŶŵĞŶƚĂůůLJ
Usaha Berwawasan Lingkungan (“KUBL”) sebagaimana &ƌŝĞŶĚůLJƵƐŝŶĞƐƐĐƚŝǀŝƚŝĞƐ;Η<h>ΗͿƉƌŽũĞĐƚƐĂƐƐƚĂƚĞĚŝŶ
ƚĞƌƚĞƌĂĚŝĚĂůĂŵ'ƌĞĞŶŽŶĚ&ƌĂŵĞǁŽƌŬĚĂŶƉĂĚĂWK:<ϲϬ ƚŚĞ'ƌĞĞŶŽŶĚ&ƌĂŵĞǁŽƌŬĂŶĚŝŶWK:<ϲϬŽĨϮϬϭϳ͘ ǀĞŶ
dĂŚƵŶϮϬϭϳ͘DĞƐŬŝƚĞůĂŚƚĞƌďŝƚ WK:<EŽ͘ϭϴƚĂŚƵŶϮϬϮϯ ƚŚŽƵŐŚ WK:< EŽ͘ ϭϴ ŽĨ ϮϬϮϯ ƌĞƉůĂĐĞƐ WK:< ϲϬ ŽĨ ϮϬϭϳ͕
ƉĞŶŐŐĂŶƚŝWK:<ϲϬdĂŚƵŶϮϬϭϳƚĞƚĂƉŝ ŵŝƚĞŶLJĂŶŐƚĞůĂŚ /ƐƐƵĞƌƐ ǁŚŽ ŚĂǀĞ ŝƐƐƵĞĚ ŶǀŝƌŽŶŵĞŶƚĂůůLJ &ƌŝĞŶĚůLJ Ğďƚ
ŵĞůĂŬƵŬĂŶƉĞŶĞƌďŝƚĂŶ ĨĞŬĞƌƐŝĨĂƚhƚĂŶŐĞƌǁĂǁĂƐĂŶ ^ĞĐƵƌŝƚŝĞƐ ďĞĨŽƌĞ WK:< ϭϴ ŽĨ ϮϬϮϯ ĐŽŵĞƐ ŝŶƚŽ ĨŽƌĐĞ Ɛƚŝůů
>ŝŶŐŬƵŶŐĂŶ ƐĞďĞůƵŵ WK:< ϭϴ dĂŚƵŶ ϮϬϮϯ ŝŶŝ ďĞƌůĂŬƵ͕ ĨŽůůŽǁ ƚŚĞ ƉƌŽǀŝƐŝŽŶƐ ĂƐ ƌĞŐƵůĂƚĞĚ ŝŶ WK:< EŽ͘
ƚĞƚĂƉ ŵĞŶŐŝŬƵƚŝ ŬĞƚĞŶƚƵĂŶ ƐĞďĂŐĂŝŵĂŶĂ ĚŝĂƚƵƌ ĚĂůĂŵ ϲϬͬWK:<͘ϬϰͬϮϬϭϳĐŽŶĐĞƌŶŝŶŐ/ƐƐƵĂŶĐĞĂŶĚZĞƋƵŝƌĞŵĞŶƚƐ
WK:< EŽ͘ ϲϬͬWK:<͘ϬϰͬϮϬϭϳ ƚĞŶƚĂŶŐ WĞŶĞƌďŝƚĂŶ ĚĂŶ ĨŽƌ ŶǀŝƌŽŶŵĞŶƚĂůůLJ&ƌŝĞŶĚůLJĞďƚ^ĞĐƵƌŝƚŝĞƐ;'ƌĞĞŶŽŶĚͿ͘
WĞƌƐLJĂƌĂƚĂŶ ĨĞŬĞƌƐŝĨĂƚhƚĂŶŐĞƌǁĂǁĂƐĂŶ>ŝŶŐŬƵŶŐĂŶ &ƵŶĚƐǁŝůůďĞĚŝƐƚƌŝďƵƚĞĚĨƌŽŵƚŚĞŝƐƐƵĂŶĐĞŽĨ'ƌĞĞŶŽŶĚ
;'ƌĞĞŶ ŽŶĚͿ͘ WĞŶLJĂůƵƌĂŶ ĚĂŶĂ ŚĂƐŝů ƉĞŶĞƌďŝƚĂŶ 'ƌĞĞŶ ϮϬ ƚŽ ƐĞůĞĐƚĞĚ <h> ƉƌŽũĞĐƚƐ͕ ĨŽůůŽǁŝŶŐ ƚŚĞ 'ƌĞĞŶ ŽŶĚ
ŽŶĚ ϮϬϮϮ ŬĞ ƉƌŽLJĞŬ <h> ƚĞƌƉŝůŝŚ͕ ƐĞƐƵĂŝ 'ƌĞĞŶ ŽŶĚ &ƌĂŵĞǁŽƌŬ͘ &ƵŶĚƐ ĨƌŽŵ ƚŚĞ ϮϬϮϮ 'ƌĞĞŶ ŽŶĚ ŝƐƐƵĂŶĐĞ
&ƌĂŵĞǁŽƌŬ͘ E/ ƚĞůĂŚ ŵĞůĂŬƵŬĂŶ ƉĞŶLJĂůƵƌĂŶ ϭϬϬй ĂƚĂƐ ŚĂǀĞďĞĞŶĂůůŽĐĂƚĞĚϭϬϬй͕ĂƐƌĞƉŽƌƚĞĚŝŶƚŚĞϮϬϮϰ'ƌĞĞŶ
ĚĂŶĂƉĞŶĞƌďŝƚĂŶ'ƌĞĞŶŽŶĚϮϬϮϮďĞƌĚĂƐĂƌŬĂŶWK:<EŽ͘ ŽŶĚ ZĞƉŽƌƚ͕ ĂŶĚ ƚŚĞƌĞ ŝƐ ŶŽ ĚŝĨĨĞƌĞŶĐĞ ƚŽ ƚŚĞ <h>
ϲϬͬϮϬϭϳ͘ ĚĂƉƵŶ ƉĞŶLJĂůƵƌĂŶ LJĂŶŐ ƐĞƐƵĂŝ ĚĞŶŐĂŶ E/ ĐĂƚĞŐŽƌLJŝŶƚŚĞĨƌĂŵĞǁŽƌŬĨŽƌĨŝŶĂŶĐĞĚƉƌŽũĞĐƚƐ;ϱŽĨϭϭ
'ƌĞĞŶ ŽŶĚ &ƌĂŵĞǁŽƌŬ ĂĚĂůĂŚ ƐĞďĞƐĂƌ ϴϳ͕Ϯϲй͘ Śůŝ ĨƌŽŵ ƚŚĞ ƉƌŽƉŽƐĞĚ <h>Ϳ͘ ŶǀŝƌŽŶŵĞŶƚĂů džƉĞƌƚƐ ƌĞǀŝĞǁ
>ŝŶŐŬƵŶŐĂŶŵĞůĂŬƵŬĂŶƌĞǀŝƵƚĞƌŚĂĚĂƉĚĂŵƉĂŬůŝŶŐŬƵŶŐĂŶ ƚŚĞ ĞŶǀŝƌŽŶŵĞŶƚĂů ŝŵƉĂĐƚƐ ĐŽŶƚĂŝŶĞĚ ŝŶ ƚŚĞ ϮϬϮϰ 'ƌĞĞŶ
LJĂŶŐ ƚĞƌƚƵĂŶŐ ĚĂůĂŵ 'ƌĞĞŶ ŽŶĚ ZĞƉŽƌƚ ϮϬϮϰ ĚĂŶ ŽŶĚZĞƉŽƌƚĂŶĚĂĚũƵƐƚƚŚĞŵƚŽƚŚĞĂǀĂŝůĂďůĞĚĂƚĂ͘
ŵĞŶLJĞƐƵĂŝŬĂŶĚĞŶŐĂŶĚĂƚĂLJĂŶŐƚĞƌƐĞĚŝĂ͘
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 187
Page 188
,ĂƐŝůZĞǀŝƵ ZĞǀŝĞǁZĞƐƵůƚƐ
,ĂƐŝů ƌĞǀŝƵ ĂƚĂƐ 'ƌĞĞŶ ŽŶĚ ZĞƉŽƌƚ ϮϬϮϰ ƚĞƌŚĂĚĂƉ dŚĞƌĞƐƵůƚƐŽĨƚŚĞƌĞǀŝĞǁŽĨƚŚĞϮϬϮϰ'ƌĞĞŶŽŶĚZĞƉŽƌƚ
ƉĞŶLJĂůƵƌĂŶ ĂůŽŬĂƐŝ ŬĞŐŝĂƚĂŶ LJĂŶŐ ĚŝĚĂŶĂŝ ŽůĞŚ ŚĂƐŝů ƌĞŐĂƌĚŝŶŐƚŚĞĚŝƐƚƌŝďƵƚŝŽŶŽĨĂĐƚŝǀŝƚLJĂůůŽĐĂƚŝŽŶƐĨƵŶĚĞĚďLJ
ƉĞŶĞƌďŝƚĂŶ'ƌĞĞŶŽŶĚϮϬϮϮĂĚĂůĂŚƐĞďĂŐĂŝďĞƌŝŬƵƚ͗ ƚŚĞ ƉƌŽĐĞĞĚƐ ŽĨ ƚŚĞ ϮϬϮϮ 'ƌĞĞŶ ŽŶĚ ŝƐƐƵĂŶĐĞ ĂƌĞ ĂƐ
ϭͿ WĞŵŝůŝŚĂŶƉƌŽLJĞŬƉĂĚĂƐĞŬƚŽƌ<h>ĚĂůĂŵƉĞŶLJĂůƵƌĂŶ ĨŽůůŽǁƐ͗
ĚĂŶĂ ŚĂƐŝů ƉĞŶĞƌďŝƚĂŶ 'ƌĞĞŶ ŽŶĚ ϮϬϮϰ ƚĞůĂŚ ƐĞƐƵĂŝ ϭͿ dŚĞ ƐĞůĞĐƚŝŽŶ ŽĨ ƉƌŽũĞĐƚƐ ŝŶ ƚŚĞ <h> ƐĞĐƚŽƌ ĨŽƌ ƚŚĞ
ĚĞŶŐĂŶ'ƌĞĞŶŽŶĚ&ƌĂŵĞǁŽƌŬ͕ŵĞƐŬŝƉƵŶƉĞŶĂŵĂĂŶ ĚŝƐƚƌŝďƵƚŝŽŶ ŽĨ ĨƵŶĚƐ ĨƌŽŵ ƚŚĞ ϮϬϮϮ 'ƌĞĞŶ ŽŶĚ
ƵŶƚƵŬ ƐĂƚƵ <h> ƉƌŽĚƵŬ LJĂŶŐ ĚĂƉĂƚ ŵĞŶŐƵƌĂŶŐŝ ŝƐƐƵĂŶĐĞĨŽůůŽǁƐƚŚĞ'ƌĞĞŶŽŶĚ&ƌĂŵĞǁŽƌŬ͕ĂůƚŚŽƵŐŚ
ƉĞŶŐŐƵŶĂĂŶ ƐƵŵďĞƌ ĚĂLJĂ ĚĂŶ ŵĞŶŐŚĂƐŝůŬĂŶ ůĞďŝŚ ƚŚĞ ŶĂŵŝŶŐ ŽĨ ŽŶĞ <h> ƉƌŽĚƵĐƚ ƚŚĂƚ ĐĂŶ ƌĞĚƵĐĞ
ƐĞĚŝŬŝƚ ƉŽůƵƐŝ ĚŝŐƵŶĂŬĂŶ ƉĞŶĂŵĂĂŶ ƐĞƐƵĂŝ ƉƌŽLJĞŬ ƌĞƐŽƵƌĐĞ ƵƐĞ ĂŶĚ ƉƌŽĚƵĐĞ ůĞƐƐ ƉŽůůƵƚŝŽŶ ŝƐ ƵƐĞĚ
LJĂŝƚƵ ƉĞŶŐĞůŽůĂĂŶ ƐĂŵƉĂŚ ŵĞŶũĂĚŝ ŶĞƌŐŝ ĚĂŶ ĂĐĐŽƌĚŝŶŐƚŽƚŚĞƉƌŽũĞĐƚ͕ŶĂŵĞůLJǁĂƐƚĞŵĂŶĂŐĞŵĞŶƚ
ŵĂŶĂũĞŵĞŶƐĂŵƉĂŚ͘ ŝŶƚŽ ŶĞƌŐLJĂŶĚŵĂŶĂŐĞŵĞŶƚƌƵďďŝƐŚ͘
ϮͿ dŝĚĂŬ ĂĚĂ ƉĞƌƵďĂŚĂŶ ƌĞĂůŝƐĂƐŝ ĂůŽŬĂƐŝ ĚĂŶĂ ŚĂƐŝů ϮͿdŚĞƌĞŝƐŶŽĐŚĂŶŐĞŝŶƚŚĞƌĞĂůŝnjĂƚŝŽŶŽĨƚŚĞĂůůŽĐĂƚŝŽŶ
ƉĞŶĞƌďŝƚĂŶ 'ƌĞĞŶ ŽŶĚ ϮϬϮϮ ƵŶƚƵŬ ŵĞŵďŝĂLJĂŝ ůŝŵĂ ŽĨ ĨƵŶĚƐ ĨƌŽŵ ƚŚĞ ŝƐƐƵĂŶĐĞ ŽĨ 'ƌĞĞŶ ŽŶĚ ϮϬϮϮ ƚŽ
ƐĞŬƚŽƌ<h>LJĂŶŐƚĞůĂŚĚŝƐĞƚƵũƵŝ͘>ŝŵĂƐĞŬƚŽƌƚĞƌƐĞďƵƚ ĨŝŶĂŶĐĞ ƚŚĞ ĨŝǀĞ ĂƉƉƌŽǀĞĚ <h> ƐĞĐƚŽƌƐ͘ dŚĞ ĨŝǀĞ
ĂĚĂůĂŚ ĞŶĞƌŐŝ ƚĞƌďĂƌƵŬĂŶ͕ ƚƌĂŶƐƉŽƌƚĂƐŝ ƌĂŵĂŚ ƐĞĐƚŽƌƐ ĂƌĞ ƌĞŶĞǁĂďůĞ ĞŶĞƌŐLJ͕ ĞŶǀŝƌŽŶŵĞŶƚĂůůLJ
ůŝŶŐŬƵŶŐĂŶ͕ ƉĞŶŐĞůŽůĂĂŶ ƐƵŵďĞƌ ĚĂLJĂ ĂůĂŵ ĚĂŶ ĨƌŝĞŶĚůLJ ƚƌĂŶƐƉŽƌƚĂƚŝŽŶ͕ ŶĂƚƵƌĂů ƌĞƐŽƵƌĐĞ
ƉĞŶŐŐƵŶĂĂŶ ůĂŚĂŶ LJĂŶŐ ďĞƌŬĞůĂŶũƵƚĂŶ͕ ƉƌŽĚƵŬ LJĂŶŐ ŵĂŶĂŐĞŵĞŶƚ͕ĂŶĚƐƵƐƚĂŝŶĂďůĞůĂŶĚƵƐĞ͕ƉƌŽĚƵĐƚƐƚŚĂƚ
ĚĂƉĂƚ ŵĞŶŐƵƌĂŶŐŝ ƉĞŶŐŐƵŶĂĂŶ ƐƵŵďĞƌ ĚĂLJĂ ĚĂŶ ĐĂŶ ƌĞĚƵĐĞ ƌĞƐŽƵƌĐĞ ƵƐĞ ĂŶĚ ƉƌŽĚƵĐĞ ůĞƐƐ ƉŽůůƵƚŝŽŶ
ŵĞŶŐŚĂƐŝůŬĂŶ ůĞďŝŚ ƐĞĚŝŬŝƚ ƉŽůƵƐŝ ;ƉĞŶŐĞůŽůĂĂŶ ;ǁĂƐƚĞ ƚŽ ĞŶĞƌŐLJ ĂŶĚ ǁĂƐƚĞ ŵĂŶĂŐĞŵĞŶƚͿ͕ ĂŶĚ
ƐĂŵƉĂŚŵĞŶũĂĚŝĞŶĞƌŐŝĚĂŶŵĂŶĂũĞŵĞŶƐĂŵƉĂŚͿ͕ĚĂŶ ĞŶǀŝƌŽŶŵĞŶƚĂůůLJ ĨƌŝĞŶĚůLJ ďƵŝůĚŝŶŐƐ ;ƉĂŐĞ ϳ ŝŶ ƚŚĞ
ŐĞĚƵŶŐ ďĞƌǁĂǁĂƐĂŶ ůŝŶŐŬƵŶŐĂŶ ;ŚĂůĂŵĂŶ ϳ ĚĂůĂŵ ŶŶƵĂůZĞƉŽƌƚͿ͘
>ĂƉŽƌĂŶdĂŚƵŶĂŶͿ͘ ϯͿ dŚĞƐĞ ŐƌĞĞŶ ďŽŶĚ ĨƵŶĚƐ ĂƌĞ ĂůůŽĐĂƚĞĚ ϭϬϬй ĨŽƌ
ϯͿ ĂŶĂŐƌĞĞŶďŽŶĚŝŶŝĚŝĂůŽŬĂƐŝŬĂŶϭϬϬйƵŶƚƵŬŬĞŐŝĂƚĂŶ ĂĐƚŝǀŝƚŝĞƐ ŝŶĐůƵĚĞĚ ŝŶ <h> ;WK:< EŽ͘ ϲϬͬϮϬϭϳͿ͘
LJĂŶŐ ƚĞƌŵĂƐƵŬ Ěŝ ĚĂůĂŵ <h> ;WK:< EŽ͘ ϲϬͬϮϬϭϳͿ͘ DĞĂŶǁŚŝůĞ͕ ƵŶƚŝů ƚŚĞ ƐĞĐŽŶĚ LJĞĂƌ͕ ĚŝƐƚƌŝďƵƚŝŽŶ ŝŶ
ĚĂƉƵŶ͕ƐĂŵƉĂŝƚĂŚƵŶŬĞĚƵĂƉĞŶLJĂůƵƌĂŶLJĂŶŐƐĞƐƵĂŝ ĂĐĐŽƌĚĂŶĐĞǁŝƚŚƚŚĞE/'ƌĞĞŶŽŶĚ&ƌĂŵĞǁŽƌŬǁĂƐ
ĚĞŶŐĂŶ E/ 'ƌĞĞŶ ŽŶĚ &ƌĂŵĞǁŽƌŬ ĂĚĂůĂŚ ƐĞďĞƐĂƌ ϴϳ͘Ϯϲй͕ ǁŝƚŚ ĚĞƚĂŝůƐ ŶĂŵĞůLJ ZĞŶĞǁĂďůĞ ŶĞƌŐLJ Ăƚ
ϴϳ͕Ϯϲй͕ ĚĞŶŐĂŶ ƌŝŶĐŝĂŶ LJĂŝƚƵ ĞŶĞƌŐŝ dĞƌďĂƌƵŬĂŶ ϳ͘ϴϲй͕ ŶǀŝƌŽŶŵĞŶƚĂůůLJ &ƌŝĞŶĚůLJ dƌĂŶƐƉŽƌƚĂƚŝŽŶ Ăƚ
ƐĞďĞƐĂƌ ϳ͕ϴϲй͕ dƌĂŶƐƉŽƌƚĂƐŝ ZĂŵĂŚ >ŝŶŐŬƵŶŐĂŶ ϱϯ͘ϭϬй͕ ŶǀŝƌŽŶŵĞŶƚĂůůLJ&ƌŝĞŶĚůLJƵŝůĚŝŶŐƐ Ăƚ ϳ͘ϳϬй͕
ƐĞďĞƐĂƌ ϱϯ͘ϭϬй͕ 'ĞĚƵŶŐ ĞƌǁĂǁĂƐĂŶ >ŝŶŐŬƵŶŐĂŶ tĂƐƚĞWƌŽĐĞƐƐŝŶŐĂƚ ŶĞƌŐLJĂŶĚtĂƐƚĞDĂŶĂŐĞŵĞŶƚ
ƐĞďĞƐĂƌ ϳ͕ϳϬй͕ WĞŶŐŽůĂŚĂŶ ^ĂŵƉĂŚ ŵĞŶũĂĚŝ ŶĞƌŐŝ Ăƚ ϭϯ͘Ϭϱй ĂŶĚ ^ƵƐƚĂŝŶĂďůĞ hƐĞ ŽĨ EĂƚƵƌĂů ZĞƐŽƵƌĐĞƐ
ĚĂŶ DĂŶĂũĞŵĞŶ >ŝŵďĂŚ ƐĞďĞƐĂƌ ϭϯ͕Ϭϱй ĚĂŶ ĂŶĚ>ĂŶĚhƐĞĂƚϭϴ͘Ϯϵй͘
WĞŶŐŐƵŶĂĂŶ ^ƵŵďĞƌ ĂLJĂ ůĂŵ ĚĂŶ WĞŶŐŐƵŶĂĂŶ
dĂŶĂŚLJĂŶŐĞƌŬĞůĂŶũƵƚĂŶƐĞďĞƐĂƌϭϴ͕Ϯϵй͘ ϰͿZĞƉŽƌƚŝŶŐƚŚĞŝŵƉĂĐƚŽĨϱ<h>Ɛ͕ŶĂŵĞůLJ͗
ϰͿWĞůĂƉŽƌĂŶĚĂŵƉĂŬĚĂƌŝϱ<h>LJĂŝƚƵ͗ ĂͿZĞŶĞǁĂďůĞĞŶĞƌŐLJƉƌŽũĞĐƚĐŽŶƐŝƐƚŝŶŐŽĨϭͿƐŽůĂƌĞŶĞƌŐLJ
ĂͿ WƌŽLJĞŬĞŶĞƌŐŝƚĞƌďĂƌƵŬĂŶLJĂŶŐƚĞƌĚŝƌŝĚĂƌŝϭͿĞŶĞƌŐŝ ŝŶƐŝdž;ϲͿ^ŽůĂƌWŽǁĞƌĞĚ ůĞĐƚƌŝĐŝƚLJWƌŽũĞĐƚƐ;W>d^ͿǁŝƚŚĂ
ƐŝŶĂƌ ƐƵƌLJĂ ƉĂĚĂ ĞŶĂŵ ;ϲͿ WƌŽLJĞŬ >ŝƐƚƌŝŬ dĞŶĂŐĂ ƚŽƚĂůĐĂƉĂĐŝƚLJŽĨϬ͘ϳϴDtĂŶĚĂŶĞŶǀŝƌŽŶŵĞŶƚĂůŝŵƉĂĐƚ
^ƵƌLJĂ ;W>d^Ϳ ĚĞŶŐĂŶ ƚŽƚĂů ŬĂƉĂƐŝƚĂƐ Ϭ͕ϳϴ Dt ĚĂŶ ŽĨ ϭ͕ϯϵϰ ;ƚKϮĞƋͬLJĞĂƌͿ͕ ƚŚĞ ĞŶĞƌŐLJ ƉƌŽĚƵĐĞĚ ŝƐ ϭ͕ϰϮϲ
ĚĂŵƉĂŬ ůŝŶŐŬƵŶŐĂŶ ƐĞďĞƐĂƌ ϭ͘ϯϵϰ ;ƚKϮĞƋͬƚĂŚƵŶͿ͕ DtŚ͕ ϲϬϬ ,ĞĂĚƐ &ĂŵŝůŝĞƐ ĐĂŶ ĂĐĐĞƐƐ ĐůĞĂŶ ĂŶĚ
ĞŶĞƌŐŝ LJĂŶŐ ĚŝŚĂƐŝůŬĂŶ ϭ͘ϰϮϲ DtŚ͕ ϲϬϬ <ĞƉĂůĂ ĂĨĨŽƌĚĂďůĞĞŶĞƌŐLJ͕ϯϬůŽĐĂůƌĞƐŝĚĞŶƚƐĂƌĞĞŵƉůŽLJĞĚ͕ĂŶĚ
<ĞůƵĂƌŐĂ ĚĂƉĂƚ ŵĞŶŐĂŬƐĞƐ ĞŶĞƌŐŝ ďĞƌƐŝŚ ĚĂŶ ϮϰǁŽƌŬĞƌƐŽƵƚŽĨϯϬůŽĐĂůƌĞƐŝĚĞŶƚƐƌĞĐĞŝǀĞƚƌĂŝŶŝŶŐǁŝƚŚ
ƚĞƌũĂŶŐŬĂƵ͕ ƉĞŶĚƵĚƵŬ ůŽŬĂů LJĂŶŐ ĚŝƉĞƌŬĞƌũĂŬĂŶ ƉƌŽũĞĐƚ ŽƉĞƌĂƚŝŽŶƐ͖ ϮͿ ĞŶĞƌŐLJ ĨƌŽŵ ŽŶĞ ;ϭͿ DŝŶŝ ,LJĚƌŽ
ƐĞďĂŶLJĂŬ ϯϬ ŽƌĂŶŐ͕ ĚĂŶ Ϯϰ ŽƌĂŶŐ ƉĞŬĞƌũĂ ĚĂƌŝ ϯϬ WŽǁĞƌ WůĂŶƚ ;W>dD,Ϳ ǁŝƚŚ Ă ĐĂƉĂĐŝƚLJ ŽĨ ϱ͘ϭ Dt͕
ŽƌĂŶŐ ƉĞŶĚƵĚƵŬ ůŽŬĂů ŵĞŶĞƌŝŵĂ ƉĞůĂƚŝŚĂŶ ĚĞŶŐĂŶ ƉƌŽǀŝĚŝŶŐ ĂŶ ĞŶǀŝƌŽŶŵĞŶƚĂů ŝŵƉĂĐƚ ŽĨ Ϯϲ͕ϲϴϲ
ƉĞŶŐŽƉĞƌĂƐŝĂŶ ƉƌŽLJĞŬ͖ ϮͿ ĞŶĞƌŐŝ ƚĞƌďĂƌƵŬĂŶ ĚĂƌŝ ;ƚKϮĞƋͬLJĞĂƌͿ͕ƚŚĞĞŶĞƌŐLJƉƌŽĚƵĐĞĚŝƐϮϱ͕ϰϭϱDtŚƉĞƌ
ƐĂƚƵ ;ϭͿ WĞŵďĂŶŐŬŝƚ >ŝƐƚƌŝŬ dĞŶĂŐĂ DŝŶŝ ,ŝĚƌŽ LJĞĂƌ͕ ƚŚĞ ŶƵŵďĞƌ ŽĨ ůŽĐĂů ǁŽƌŬĞƌƐ ŝƐ ϯϬ ƉĞŽƉůĞ ǁŝƚŚ Ϯϱ
;W>dD,Ϳ ĚĞŶŐĂŶ ŬĂƉĂƐŝƚĂƐ ϱ͕ϭ Dt͕ ŵĞŵďĞƌŝŬĂŶ ƉĞŽƉůĞ ǁŽƌŬĞƌƐ ǁŚŽ ƌĞĐĞŝǀĞ ƚƌĂŝŶŝŶŐ ƌĞůĂƚĞĚ ƚŽ ƉƌŽũĞĐƚ
ĚĂŵƉĂŬůŝŶŐŬƵŶŐĂŶƐĞďĞƐĂƌϮϲ͘ϲϴϲ;ƚKϮĞƋͬƚĂŚƵŶͿ͕ ŽƉĞƌĂƚŝŽŶƐ͕ ĂŶĚ ĐĂŶ ďĞ ĂĐĐĞƐƐĞĚ ďLJ Ϯ ƐƵďͲĚŝƐƚƌŝĐƚƐ
ĞŶĞƌŐŝ LJĂŶŐ ĚŝŚĂƐŝůŬĂŶ Ϯϱ͘ϰϭϱ DtŚ ƉĞƌƚĂŚƵŶ͕ ;<ĂƌĂŶŐŶƵŶŐŐĂů ĂŶĚ ^ŝŶŐĂƉĂƌŶĂͿ͖ ϯͿ WŽǁĞƌ 'ĞŶĞƌĂƚŝŽŶ
ũƵŵůĂŚ ƉĞŬĞƌũĂ ůŽŬĂů ƐĞďĂŶLJĂŬ ϯϬ ŽƌĂŶŐ ĚĞŶŐĂŶ Ϯϱ WƌŽũĞĐƚŝŽŐĂƐƉŽǁĞƌůŽĐĂƚĞĚŝŶƐĞǀĞŶůŽĐĂƚŝŽŶƐ͕ǁŝƚŚĂŶ
ŽƌĂŶŐ ƉĞŬĞƌũĂ LJĂŶŐ ŵĞŶĚĂƉĂƚŬĂŶ ƉĞůĂƚŝŚĂŶ ƚĞƌŬĂŝƚ ĞŶǀŝƌŽŶŵĞŶƚĂů ŝŵƉĂĐƚ ŽĨ Ϯϭ͕Ϯϳϱ ;ƚKϮĞƋͬLJĞĂƌͿ͕ ǁŝƚŚ
ƉĞŶŐŽƉĞƌĂƐŝĂŶ ƉƌŽLJĞŬ͕ ĚĂŶ ĚĂƉĂƚ ĚŝĂŬƐĞƐ ŽůĞŚ Ϯ ĞŶĞƌŐLJ ƉƌŽĚƵĐĞĚ ĂŶŶƵĂůůLJ ŽĨ ϮϮ͕ϭϬϲ DtŚ͕ ϳ
ŬĞĐĂŵĂƚĂŶ ;<ĂƌĂŶŐŶƵŶŐŐĂů ĚĂŶ ^ŝŶŐĂƉĂƌŶĂͿ͖ ϯͿ ŵĂŶƵĨĂĐƚƵƌĞƌƐŚĂǀĞĂĐĐĞƐƐƚŽďŝŽŐĂƐ͕ĂŶĚƚŚĞŶƵŵďĞƌŽĨ
WƌŽLJĞŬ WĞŵďĂŶŐŬŝƚ >ŝƐƚƌŝŬ dĞŶĂŐĂ ŝŽŐĂƐ LJĂŶŐ ĞŵƉůŽLJĞĞƐ ǁŚŽ ĐĂŶ ďĞ ĞŵƉůŽLJĞĚ ŝƐ ϯϬ ƉĞŽƉůĞ ǁŝƚŚ Ăůů
ďĞƌůŽŬĂƐŝĚŝƚƵũƵŚůŽŬĂƐŝ͕ĚĞŶŐĂŶĚĂŵƉĂŬůŝŶŐŬƵŶŐĂŶ ůŽĐĂů ǁŽƌŬĞƌƐ ƌĞĐĞŝǀŝŶŐ ƚƌĂŝŶŝŶŐ ƌĞůĂƚĞĚ ƚŽ ŽƉĞƌĂƚŝŽŶƐ
ƉƌŽũĞĐƚ;ĨŽƌ/ŵƉĂĐƚZĞƉŽƌƚŝŶŐĚĞƚĂŝůƐWĂŐĞϵͲϭϱͿ͘
Sustainability Report 2024
188 PT Bank Negara Indonesia (Persero) Tbk
Page 189
ƐĞďĞƐĂƌ Ϯϭ͘Ϯϳϱ ;ƚKϮĞƋͬƚĂŚƵŶͿ͕ ĚĞŶŐĂŶ ĞŶĞƌŐŝ LJĂŶŐ
ĚŝŚĂƐŝůŬĂŶ ƉĞƌƚĂŚƵŶ ϮϮ͘ϭϬϲ DtŚ͕ ϳ ŵĂŶƵĨĂŬƚƵƌ
ŵĞŵƉĞƌŽůĞŚ ĂŬƐĞƐ ďŝŽŐĂƐ͕ ƐĞƌƚĂ ũƵŵůĂŚ ŬĂƌLJĂǁĂŶ
LJĂŶŐĚĂƉĂƚĚŝƉĞƌŬĞƌũĂŬĂŶƐĞďĂŶLJĂŬϯϬŽƌĂŶŐĚĞŶŐĂŶ
ƐĞůƵƌƵŚ ƉĞŬĞƌũĂ ůŽŬĂů ŵĞŶĚĂƉĂƚ ƉĞůĂƚŝŚĂŶ ƚĞƌŬĂŝƚ
ƉĞŶŐŽƉĞƌĂƐŝĂŶ ƉƌŽLJĞŬ ;ƵŶƚƵŬ ĚĞƚĂŝů WĞůĂƉŽƌĂŶ
ĂŵƉĂŬ,ĂůϵͲϭϱͿ͘
ďͿ ƐƚŝŵĂƐŝĚĂŵƉĂŬůŝŶŐŬƵŶŐĂŶĚĂƌŝƉƌŽLJĞŬdƌĂŶƐƉŽƌƚĂƐŝ ďͿ dŚĞ ĞƐƚŝŵĂƚĞĚ ĞŶǀŝƌŽŶŵĞŶƚĂů ŝŵƉĂĐƚ ŽĨ ƚŚĞ >ŝŐŚƚ ZĂŝů
ZĂŵĂŚ>ŝŶŐŬƵŶŐĂŶ>ŝŐŚƚZĂŝůdƌĂŶƐŝƚ;>ZdͿLJĂŝƚƵϱϱ͘ϰϭϰ dƌĂŶƐŝƚ ;>ZdͿ ŶǀŝƌŽŶŵĞŶƚĂůůLJ &ƌŝĞŶĚůLJ dƌĂŶƐƉŽƌƚĂƚŝŽŶ
;ƚKϮĞƋͬƚĂŚƵŶͿ ĞŵŝƐŝ 'Z< LJĂŶŐ ƚĞƌŚŝŶĚĂƌŬĂŶ ƉƌŽũĞĐƚŝƐϱϱ͕ϰϭϰ;ƚKϮĞƋͬLJĞĂƌͿĂǀŽŝĚĞĚ','ĞŵŝƐƐŝŽŶƐ
ƉĞƌƚĂŚƵŶ ĚĞŶŐĂŶ ƉĞŶŐŚĞŵĂƚĂŶ ĞŶĞƌŐŝ ƐĞďĞƐĂƌ ƉĞƌ LJĞĂƌ ǁŝƚŚ ĞŶĞƌŐLJ ƐĂǀŝŶŐƐ ŽĨ ϳϵϭ͕ϲϯϬ 'ũ͕ ǁŚŝĐŚ
ϳϵϭ͘ϲϯϬ 'ũ͕ LJĂŶŐ ŵĞŵƉĞƌŬĞƌũĂŬĂŶ Ϯ͘Ϯϵϱ ŽƌĂŶŐ ĞŵƉůŽLJƐϮ͕ϮϵϱĞŵƉůŽLJĞĞƐĂŶĚϯϵǁŽƌŬĞƌƐǁŚŽƌĞĐĞŝǀĞ
ŬĂƌLJĂǁĂŶ ĚĂŶ ƐĞďĂŶLJĂŬ ϯϵ ŽƌĂŶŐ ƉĞŬĞƌũĂ LJĂŶŐ ƚƌĂŝŶŝŶŐƌĞůĂƚĞĚƚŽƚŚĞŽƉĞƌĂƚŝŽŶ͘
ŵĞŶĞƌŝŵĂƉĞůĂƚŝŚĂŶďĞƌŬĂŝƚĂŶĚĞŶŐĂŶƉĞŶŐŽƉĞƌĂƐŝĂŶ͘
ĐͿ ƐƚŝŵĂƐŝ ĚĂŵƉĂŬ ůŝŶŐŬƵŶŐĂŶ ĚĂƌŝ <h> 'ĞĚƵŶŐ ĐͿ ƐƚŝŵĂƚĞĚ ĞŶǀŝƌŽŶŵĞŶƚĂů ŝŵƉĂĐƚ ŽĨ ƚŚĞ
ĞƌǁĂǁĂƐĂŶ >ŝŶŐŬƵŶŐĂŶ LJĂŝƚƵ ƚĞƌŚŝŶĚĂƌŝŶLJĂ ϭϬ͘ϲϵϭ ŶǀŝƌŽŶŵĞŶƚĂůůLJ &ƌŝĞŶĚůLJ ƵŝůĚŝŶŐ <h>͕ ŶĂŵĞůLJ
;ƚKϮĞƋͬƚĂŚƵŶͿ ĞŵŝƐŝ ŐĂƐ ƌƵŵĂŚ ŬĂĐĂ ƉĞƌƚĂŚƵŶŶLJĂ͕ ĂǀŽŝĚŝŶŐ ϭϬ͕ϲϵϭ ;ƚKϮĞƋͬLJĞĂƌͿ ŐƌĞĞŶŚŽƵƐĞ ŐĂƐ
ĚĞŶŐĂŶ ŵĞŵƉĞƌŽůĞŚ ƐĞƌƚŝĨŝŬĂƚ 'ƌĞĞŶ DĂƌŬ ĚĂƌŝ ĞŵŝƐƐŝŽŶƐ ƉĞƌ LJĞĂƌ͕ ďLJ ŽďƚĂŝŶŝŶŐ Ă 'ƌĞĞŶ DĂƌŬ
ƵŝůĚŝŶŐ ĂŶĚ ŽŶƐƚƌƵĐƚŝŽŶ ƵƚŚŽƌŝƚLJ ;Ϳ ĚĞŶŐĂŶ ĐĞƌƚŝĨŝĐĂƚĞ ĨƌŽŵ ƚŚĞ ƵŝůĚŝŶŐ ĂŶĚ ŽŶƐƚƌƵĐƚŝŽŶ
ƉĞŶĐĂƉĂŝĂŶWůĂƚŝŶƵŵ͘ ƵƚŚŽƌŝƚLJ;ͿǁŝƚŚWůĂƚŝŶƵŵĂĐŚŝĞǀĞŵĞŶƚ͘
ĚͿ ƐƚŝŵĂƐŝĚĂŵƉĂŬĚĂƌŝƉƌŽĚƵŬLJĂŶŐĚĂƉĂƚŵĞŶŐƵƌĂŶŐŝ ĚͿ ƐƚŝŵĂƚĞĚŝŵƉĂĐƚŽĨƉƌŽĚƵĐƚƐƚŚĂƚĐĂŶƌĞĚƵĐĞƌĞƐŽƵƌĐĞ
ƉĞŶŐŐƵŶĂĂŶ ƐƵŵďĞƌ ĚĂLJĂ Θ ŵĞŶŐŚĂƐŝůŬĂŶ ůĞďŝŚ ƵƐĞ Θ ƉƌŽĚƵĐĞ ůĞƐƐ ƉŽůůƵƚŝŽŶ ; ĐŽͲĞĨĨŝĐŝĞŶƚͿ ƚŚƌŽƵŐŚ
ƐĞĚŝŬŝƚ ƉŽůƵƐŝ ; ĐŽͲĞĨĨŝĐŝĞŶƚͿ ŵĞůĂůƵŝ ƉƌŽLJĞŬ ǁĂƐƚĞ ƚŽ ĞŶĞƌŐLJ ĂŶĚ ǁĂƐƚĞ ŵĂŶĂŐĞŵĞŶƚ ƉƌŽũĞĐƚƐ͕
ƉĞŶŐĞůŽůĂĂŶƐĂŵƉĂŚŵĞŶũĂĚŝĞŶĞƌŐŝĚĂŶŵĂŶĂũĞŵĞŶ ŶĂŵĞůLJ ϴϳϵ͕ϳϲϲ ;ƚKϮĞƋͬLJĞĂƌͿ ŐƌĞĞŶŚŽƵƐĞ ŐĂƐ
ƐĂŵƉĂŚ LJĂŝƚƵ ϴϳϵ͘ϳϲϲ ;ƚKϮĞƋͬƚĂŚƵŶͿ ĞŵŝƐŝ ŐĂƐ ĞŵŝƐƐŝŽŶƐ ƚŚĂƚ ĐĂŶ ďĞ ĂǀŽŝĚĞĚ ƉĞƌ LJĞĂƌ͕ ϭ͕ϲϰϮ͕ϰϳϯ
ƌƵŵĂŚŬĂĐĂLJĂŶŐĚĂƉĂƚĚŝŚŝŶĚĂƌŝƉĞƌƚĂŚƵŶ͕ϭ͘ϲϰϮ͘ϰϳϯ ;dŽŶƐͬLJĞĂƌͿ ƚŽƚĂů ǁĂƐƚĞ ƌĞĐLJĐůĞĚ͕ ϴϭϱ ůŽĐĂů ƉĞŽƉůĞ
;dŽŶͬƚĂŚƵŶͿƚŽƚĂůůŝŵďĂŚLJĂŶŐĚŝĚĂƵƌƵůĂŶŐ͕ϴϭϱŽƌĂŶŐ ĞŵƉůŽLJĞĚ͕ ĂŶĚ ƚŚŝƐ ƌĞĚƵĐĞƐ ŶĞŐĂƚŝǀĞ ŝŵƉĂĐƚƐ ŽŶ ƚŚĞ
ŵĂƐLJĂƌĂŬĂƚ ůŽŬĂů LJĂŶŐ ƉĞƌŬĞƌũĂŬĂŶ͕ ĚĂŶ ŝŶŝ ĞŶǀŝƌŽŶŵĞŶƚĂŶĚůŽĐĂůĐŽŵŵƵŶŝƚŝĞƐ͘
ŵĞŶŐƵƌĂŶŐŝĚĂŵƉĂŬŶĞŐĂƚŝĨƚĞƌŚĂĚĂƉůŝŶŐŬƵŶŐĂŶĚĂŶ
ŵĂƐLJĂƌĂŬĂƚƐĞƚĞŵƉĂƚ͘
ĞͿ &ŽƌƚŚĞ<h>ƐĞĐƚŽƌ͕ƚŚĞƵƐĞŽĨŶĂƚƵƌĂůƌĞƐŽƵƌĐĞƐĂŶĚ
ĞͿ hŶƚƵŬ ƐĞŬƚŽƌ <h> WĞŶŐŐƵŶĂĂŶ ^ƵŵďĞƌ ĂLJĂ ůĂŵ ƐƵƐƚĂŝŶĂďůĞůĂŶĚƵƐĞŚĂƐĂŶĞŶǀŝƌŽŶŵĞŶƚĂůŝŵƉĂĐƚŽĨ
ĚĂŶ WĞŶŐŐƵŶĂĂŶ dĂŶĂŚ LJĂŶŐ ĞƌŬĞůĂŶũƵƚĂŶ ϰϰϲ͕ϳϱϳ ;ƚKϮĞƋͬLJĞĂƌͿ ĂǀŽŝĚĞĚ ŐƌĞĞŶŚŽƵƐĞ ŐĂƐ
ŵĞŵďĞƌŝŬĂŶ ĚĂŵƉĂŬ ůŝŶŐŬƵŶŐĂŶ ƐĞďĞƐĂƌ ϰϰϲ͘ϳϱϳ ĞŵŝƐƐŝŽŶƐƉĞƌLJĞĂƌďLJƉůĂŶƚŝŶŐϮϴ͕ϵϱϱƚƌĞĞƐ͕ϯϭϰ͕ϯϴϳ
;ƚKϮĞƋͬƚĂŚƵŶͿĞŵŝƐŝŐĂƐƌƵŵĂŚŬĂĐĂLJĂŶŐĚŝŚŝŶĚĂƌŝ ŚĞĐƚĂƌĞƐ ŽĨ ƉƌŽƚĞĐƚĞĚ ĂŶĚ ĐĞƌƚŝĨŝĞĚ ůĂŶĚ͕ ǁŝƚŚ ŽƚŚĞƌ
ƉĞƌƚĂŚƵŶ͕ĚĞŶŐĂŶŵĞŶĂŶĂŵƉŽŚŽŶƐĞďĂŶLJĂŬϮϴ͘ϵϱϱ͕ ŝŵƉĂĐƚƐ͕ŝƚĞŵƉůŽLJƐϭϮůŽĐĂůƐŝŶEĂďŝƌĞ;ĞŶƚƌĂůWĂƉƵĂ
ϯϭϰ͘ϯϴϳŚĞŬƚĂƌůĂŚĂŶLJĂŶŐĚŝůŝŶĚƵŶŐŝĚĂŶďĞƌƐĞƌƚŝĨŝŬĂƚ͘ WƌŽǀŝŶĐĞͿ ĂŶĚ <ĂŝŵĂŶĂ ;tĞƐƚ WĂƉƵĂ WƌŽǀŝŶĐĞͿ͘ dŚŝƐ
ĞŶŐĂŶĚĂŵƉĂŬůĂŝŶŵĞŵƉĞƌŬĞƌũĂŬĂŶϭϮŽƌĂŶŐůŽŬĂů ĂŵŽƵŶƚ͕ ŶŽƚ ŵƵĐŚ ĨŽƌ ůŽĐĂů ĐŽŵŵƵŶŝƚŝĞƐ͕ ĐĂŶ ŚĞůƉ
LJĂŶŐ ďĞƌĂĚĂ Ěŝ EĂďŝƌĞ ;WƌŽǀŝŶƐŝ WĂƉƵĂ dĞŶŐĂŚͿ ĚĂŶ ƉƌŽƚĞĐƚϯϭϰ͕ϯϴϳŚĞĐƚĂƌĞƐŽĨůĂŶĚ͘
<ĂŝŵĂŶĂ ;WƌŽǀŝŶƐŝ WĂƉƵĂ ĂƌĂƚͿ͕ ũƵŵůĂŚ LJĂŶŐ ďĞůƵŵ
ďĂŶLJĂŬ ƵŶƚƵŬ ŵĂƐLJĂƌĂŬĂƚ ůŽŬĂů ĚĂƉĂƚ ŵĞŵďĂŶƚƵ
ŵĞůŝŶĚƵŶŐŝůĂŚĂŶƐĞůƵĂƐϯϭϰ͘ϯϴϳŚĞŬƚĂƌ͘
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 189
Page 190
ĞƌĚĂƐĂƌŬĂŶ ĐĂƉĂŝĂŶ ƉƌŽLJĞŬͲƉƌŽLJĞŬ ĚĂƌŝ ůŝŵĂ ;ϱͿ ƐĞŬƚŽƌ ĂƐĞĚŽŶƚŚĞĂĐŚŝĞǀĞŵĞŶƚƐŽĨƚŚĞƉƌŽũĞĐƚƐĨƌŽŵƚŚĞĨŝǀĞ;ϱͿ
<h> ƚĞƌƐĞďƵƚ ũƵŐĂ ŵĞŵďĂŶƚƵ ŵĞŶĚƵŬƵŶŐ ƉĞŶĐĂƉĂŝĂŶ <h> ƐĞĐƚŽƌƐ͕ ƚŚĞLJ ĂůƐŽ ŚĞůƉ ƐƵƉƉŽƌƚ ƚŚĞ ĂĐŚŝĞǀĞŵĞŶƚ ŽĨ
^'Ɛ/ŶĚŽŶĞƐŝĂLJĂŝƚƵ^'ϰ͕ϳ͕ϴ͕ϭϭ͕ϭϮ͕ϭϯ͕ĚĂŶϭϱ͘ /ŶĚŽŶĞƐŝĂΖƐ^'Ɛ͕ŶĂŵĞůLJ^'ϰ͕ϳ͕ϴ͕ϭϭ͕ϭϮ͕ϭϯ͕ĂŶĚϭϱ͘
/ŶĚŝŬĂƚŽƌ ƉĂĚĂ <h> LJĂŶŐ ƚĞůĂŚ ĚŝƚĞƚĂƉŬĂŶ ƐĞďĞůƵŵŶLJĂ dŚĞŝŶĚŝĐĂƚŽƌƐŝŶƚŚĞ<h>ƉƌĞǀŝŽƵƐůLJĚĞƚĞƌŵŝŶĞĚďLJE/ĂƌĞ
ŽůĞŚ E/ ƚĞůĂŚ ƐĞƐƵĂŝ͘ WĞƌŚŝƚƵŶŐĂŶ ĚĂŵƉĂŬ LJĂŶŐ ĂƉƉƌŽƉƌŝĂƚĞ͘dŚĞŝŵƉĂĐƚĐĂůĐƵůĂƚŝŽŶƐĐĂƌƌŝĞĚŽƵƚŚĂǀĞďĞĞŶ
ĚŝůĂŬƵŬĂŶƚĞůĂŚŬŽŶƐŝƐƚĞŶĚĂŶƐĞƐƵĂŝĚĞŶŐĂŶďĞƐƚƉƌĂĐƚŝĐĞ ĐŽŶƐŝƐƚĞŶƚĂŶĚŝŶĂĐĐŽƌĚĂŶĐĞǁŝƚŚĞdžŝƐƚŝŶŐďĞƐƚƉƌĂĐƚŝĐĞƐ͘/Ŷ
LJĂŶŐ ĂĚĂ͘ ĂůĂŵ ƉĞƌŚŝƚƵŶŐĂŶ ĚĂŵƉĂŬ ůŝŶŐŬƵŶŐĂŶ͕ ĐĂůĐƵůĂƚŝŶŐĞŶǀŝƌŽŶŵĞŶƚĂůŝŵƉĂĐƚƐ͕ŝƚŝƐ ǀĞƌLJŝŵƉŽƌƚĂŶƚ ƚŽ
ŬĞƐĞƐƵĂŝĂŶ ǁĂŬƚƵ ƐĂŶŐĂƚ ƉĞŶƚŝŶŐ ĚŝƉĞƌŚĂƚŝŬĂŶ ĚĞŶŐĂŶ ƉĂLJ ĂƚƚĞŶƚŝŽŶ ƚŽ ĂƉƉƌŽƉƌŝĂƚĞ ƚŝŵŝŶŐ ǁŝƚŚ ƚŚĞ ƉƌŽũĞĐƚ
ďĞƌũĂůĂŶŶLJĂƉƌŽLJĞŬƉĂĚĂƚĂŚƵŶŬĞĚƵĂ;ϮϬϮϰͿ;ŚĂůĂŵĂŶϵͲ ƌƵŶŶŝŶŐŝŶƚŚĞƐĞĐŽŶĚLJĞĂƌ;ϮϬϮϰͿ;ƉĂŐĞƐϵͲϭϱŝŶƚŚĞϮϬϮϰ
ϭϱĚĂůĂŵ>ĂƉŽƌĂŶdĂŚƵŶĂŶ'ƌĞĞŶŽŶĚϮϬϮϰͿ͘ 'ƌĞĞŶŽŶĚŶŶƵĂůZĞƉŽƌƚͿ͘
ŐĂƌ ĚĂƉĂƚ ĚŝŬĞƚĂŚƵŝ ůĞďŝŚ ƉĂƐƚŝ ĚĂŵƉĂŬ LJĂŶŐ /Ŷ ŽƌĚĞƌ ƚŽ ŬŶŽǁ ŵŽƌĞ ĚĞĨŝŶŝƚĞůLJ ƚŚĞ ŝŵƉĂĐƚ ĐĂƵƐĞĚ͕ ƚŚĞ
ĚŝƚŝŵďƵůŬĂŶ͕ƵŶƚƵŬďĞƌŝŬƵƚŶLJĂĚĂƉĂƚĚŝŐƵŶĂŬĂŶĂƌĞĂLJĂŶŐ ŶĞdžƚĐĂŶďĞƚŚĞĂĨĨĞĐƚĞĚĂƌĞĂĂŶĚŝƚƐƌĞůĂƚŝŽŶĂůŝŵƉĂĐƚ͘
ƚĞƌĚĂŵƉĂŬĚĂŶĚĂŵƉĂŬƌĞůĂƐŝŽŶĂůŶLJĂ͘
:ĂŬĂƌƚĂ͕Ϭϳ:ƵŶŝϮϬϮϰ
:ĂŬĂƌƚĂ͕:ƵŶĞϬϳ͕ϮϬϮϰ
ƌ͘dƌŝĂƌŬŽEƵƌůĂŵďĂŶŐ͕DWƌŽĨ͘ƌ͘:ĂƚŶĂ^ƵƉƌŝĂƚŶĂ͕D͘^Đ
Sustainability Report 2024
190 PT Bank Negara Indonesia (Persero) Tbk
Page 191
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 :
STAKEHOLDER GROUP
Government/ Shareholder/
Customer Employee Supplier
OJK 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 Sustainability Report can be
submitted to:
Enterprise Risk Management Division
PT Bank Negara Indonesia (Persero) Tbk
Grha BNI, 26th Floor
Jl. Jenderal Sudirman Kav.1 Jakarta 10220 Indonesia
Phone : (62-21) 572 8544
E-mail : esg@bni.co.id
Sustainability Report 2024
PT Bank Negara Indonesia (Persero) Tbk 191
Page 192
2024 Sustainability
Report
Strong Bonds, Great Impact
Grha BNI
Jl. Jenderal Sudirman Kav. 1
Jakarta 10220, Indonesia
E-mail : bnicall@bni.co.id
Website : bni.co.id BNI
Solution Center : 1500 046
@BNI
Tel. : 021 - 2511 946, 572 8387 bni.co.id
Fax. : 021 - 572 8295, 572 8053 @BNI46
Sustainability Report 2024
192 PT Bank Negara Indonesia (Persero) Tbk
Names mentioned 28 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Ministry of SOEs
p.21
unresolved
org
PT BNI Life Insurance
p.24
unresolved
org
PT BNI Multifinance
p.24
unresolved
org
BNI Remittance Ltd.
p.24
unresolved
org
PT Bank Hibank Indonesia. Relevant Financial Services Institutions
p.24
unresolved
org
PT Sejahtera Rambah Asia
p.25
unresolved
org
Ministry of State-Owned Enterprises
p.26 ×4
unresolved
org
Bank Competitiveness
p.30
unresolved
org
Bank Indonesia
p.56 ×6
unresolved
org
Bank Indonesia. BNI’s
p.60
unresolved
org
Bank BNI. Meetings
p.73
unresolved
org
Ministry of Environment and Forestry and Borneo Orangutan Survival Foundation
p.88
unresolved
org
Ministry of SOEs. The Employee Volunteer Program
p.88
unresolved
org
Bank Indonesia’s Green MSME Development Guidelines
p.94
unresolved
org
Ministry of Marine Affairs and Fisheries
p.94 ×2
unresolved
org
Ministry of SOE. BNI’s
p.98
unresolved
org
Bank Goes
p.101 ×2
unresolved
org
Ministry of Education
p.102
unresolved
org
Directorate General of Intellectual Grows
p.105
unresolved
org
Ministry of Law
p.105
unresolved
org
Ministry of SOEs. Further
p.113
unresolved
org
Ministry
p.116
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.