Climate Change Data

Environmental Metrics

ESG Focus Areas

• Sustainable Finance
• Green Economy
• Community Development
• Environmental Sustainability
• Social Responsibility

Environmental Achievements

• Launched AMDAL training program (amount not specified)

Social Achievements

• Ramadhan Program with CSR assistance for orphans in Jabodetabek
• BWS together with Human Initiative Distributes Assistance for Flood Emergency Evacuation Safety Equipment and Community Empowerment Programs (IDR 60,000,000)
• Distributed 1,300 food packages to pensioners affected by the Cianjur earthquake

Governance Achievements

• Revised GCG policies in line with regulations and best practices
• Maintained GCG rating of '2' (Good)

Climate Goals & Targets

Environmental Challenges

• High-yield loan concentration on pensioner and employee credits
• Increased competition in the banking industry
• Suboptimal market share
• Liquidity tightening in US Dollars
• Limited sustainable finance products

Mitigation Strategies

• Focus on Rupiah-denominated credit
• Development of consumer loan products
• Accelerated market share increase through asset and business growth
• Development of new products and services
• Credit growth above industry average in risk-appetite sectors
• Improvement in low-cost funds and fee-based income
• Improved mobile banking services
• Development of network/distribution infrastructure
• Launch of products related to sustainable finance
• Increased internal capacity building

Supply Chain Management

Responsible Procurement

• 100% local suppliers for outsourcing services and ATK needs (office supplies)

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: OJK Regulation Number 29/POJK.04/2016, OJK Circular Letter Number 16/SEOJK.04/2021, OJK Circular Letter Number 9/SEOJK.03/2020, OJK Regulation Number 51/POJK.03/2017

Awards & Recognition

• Asabri Best Service Partner Award 2021
• 13th IICD Award 2022 - Top 50 Mid Capitalization Public Listed Company 2022
• Investor Magazine Award Best Bank 2022
• The Best Bank In SME Financing 2022 Infobank Award 2022
• Infobank Awards 2022 Crown Trophy
• JP Morgan Awards - Elite Quality Recognition Awards
• BI Awards - Best Supporting MSME 2022

Environmental Metrics

ESG Focus Areas

• Climate Change
• Sustainable Finance
• Environmental Protection
• Social Responsibility
• Good Governance

Environmental Achievements

• Implemented initiatives to save electricity and water, and reduce paper and plastic waste in the office.
• Planted 3,000 trees.
• Implemented a paperless system to reduce paper usage.
• Used energy-efficient LED lights and electronic devices.

Social Achievements

• Collaborated with health agencies for health checks, treatment, and blood donations.
• Provided assistance for clean water and sanitation facilities.
• Supported MSME entrepreneurs.
• Supported sustainable settlement activities.
• Provided assistance for flood prevention equipment.
• Consistently implemented strategic initiatives and policies.
• Conducted training on sustainable finance topics for employees.
• Implemented financial literacy and inclusion programs.
• Achieved 99.92% customer satisfaction rate.

Governance Achievements

• Developed a sustainability strategy aligned with eight principles of sustainable finance and UN SDGs.
• Implemented a risk management system that integrates ESG risks.
• Ensured compliance with OJK Regulation Number 51/POJK.03/2017.
• Formulated internal policies related to sustainable finance.

Climate Goals & Targets

Environmental Challenges

• Improving understanding of environmental, economic, and social issues among employees.
• Adjusting risk appetite for sustainable finance loans.
• Providing understanding to debtors from a business perspective.
• Increase in paper usage due to increased operational activities.

Mitigation Strategies

• Identifying challenges and obstacles in programs.
• Coordinating between work units.
• Monitoring and evaluating programs.
• Conducting training and outreach on sustainable finance.
• Approaching customers with concern for Net Zero Emissions.
• Increasing debtor analysis related to ESG.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: POJK No. 51/POJK.03/2017, SEOJK No. 16/SEOJK.04/2021, UN SDGs

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• SDG 3: Good Health and Well-being
• SDG 6: Clean Water and Sanitation
• SDG 8: Decent Work and Economic Growth
• SDG 11: Sustainable Cities and Communities
• SDG 13: Climate Action

BWS's CSR programs contribute to these goals through various initiatives such as health programs, clean water and sanitation projects, support for MSMEs, sustainable village development, and disaster relief.

Sustainable Products & Innovation

• TASKA Gift
• DHE SDA Special Account
• DHE SDA Currency Deposit Time
• W-Smart Life Protection
• Eazy Prolife

Awards & Recognition

• Not disclosed