BRI realizes that the main activity of bank’s business is loan for customers. This activity potentially affects the environment & community, either directly or indirectly. In order to identify the impacts that may arise from such financing activities, BRI has mapped the loan portfolio included in the financing group of Sustainable Business Activities Category (KKUB), in accordance with Financial Services Authority Regulation (POJK) Number: 51/POJK.03/2017 regarding the Application of Sustainable Finance for Financial Services Institutions, Issuers and Public Companies.
Sustainable Loan Portfolio
As of December 2022, BRI disburses Rp694.9 Trilion or 67.5% of total loans to the Sustainable Business Activities Category (KKUB). This number increased by 13.1% compared to December 2022. Overall, BRI has disbursed KKUB loans to these 10 types of sustainable business activities as follows:
As of December 2022
BRI Negative List Loan Policy
BRI is committed to have no exposure in several sectors including but not limited to:
- Illegal Logging
- Cultivation of Marijuana & Narcotics productions and trading
- Forced labor, child exploitation, human rights violation
- Money Laundering
- Destroying historical and archaeological building
- Trading protected animals
- Fishing business using fishing gear that is prohibited by regulation
- Other fields/sector according to applicable law
Specific Loan Policy to CPO Sector
CPO borrower is required to has an ISPO/RSPO certificate or at least has registered in the ISPO certification process
Specific Loan Policy to Pulp & Paper Sector
The Pulp & Paper sectoral Loan Policy requires its borrowers to comply to High Conservation Value (HCV), High Carbon Stock (HCS), Forest Stewardship Council (FSC), Indonesian Forestry Certification Cooperation (IFCC), and Timber Legality Verification System (SVLK).
Specific Loan Policy to Oil & Gas Sector
Oil & Gas sector loan policy require our borrowers to comply with environmental management, energy conservation (Government regulation number 33 of 2023 about Energy Conservation) as well as corporate social responsibilities. Click here to see details.
Other Loan Policy
- No borrowers with Black PROPER rating (Company Performance Rating Assessment by Ministry of Environment and Forestry)
- Other requirements in accordance with the applicable law
