Supporting Business for Sustainable Development

UOBI encourages the role of other business players (customers) to directly and indirectly drive sustainable development.

One of the elements of sustainable development is the urgency of preserving the environment as the carrying capacity of human- life resources. For example, net zero commitments globally has driven the business ecosystem growth oriented towards environmentally-friendly products and services.

In addition to driving environmentally-sound business activities, UOBI also supports business growth in MSME sector.

We play a fundamental role in supporting our clients:

seize new revenue streams and growth opportunities;
be rewarded by various stakeholders such as policy-makers, investors and consumers for their sustainability efforts; and
benefit from an enhanced long-term reputation.

With our sectoral expertise, experience, capacity and ecosystem partnerships, UOBI is positioned to support our clients on their transformation journey.

Our Policy and Commitments

UOBI integrates all financing decisions to produce positive impacts and to reduce potential harm to society and the environmental ecosystem. We align our financing framework and procedures with internationally recognised standards and principles.

With our sustainable financing frameworks, UOBI supports the national sustainable development agenda

Sustainable Finance Framework for Green Building Developers and Owners

Covers both green and sustainability-linked financing for global real estate financing across eight asset classes:

Data Centres

Hotels

Industrial

Restaurants

Hospitals

Residential

Retail

Offices

Smart City Sustainable Financing Framework

Supports companies contributing to the creation of sustainable and smart cities through the following:

Renewable Energy

Green Building Construction

Energy Efficiency

Climate Change Adaptation

Water Management

Waste Management

Green Transport

Green Financing for Circular Economy

Supports companies in the 3Rs (renew, reuse and reduce) businesses.

Potential applications:

Plastics Recycling

Metals Recycling

Electronics Recycling

Product as a Service

Circular Designs

Green and Sustainable Trade Finance and Working Capital Framework

Supports the needs of companies for shorter term financing (< 1 year) using a ‘principles-based’ approach.

Eligibility:

Pure-play green companies or green projects

Companies with recognised, sustainable industry certifications

Transition Finance Framework

Supports the transition of the energy intensive, fossil fuels/brown sectors and ‘hard-to-abate’ sectors.

Oil, Gas & Chemicals

Transportation and Logistics

Fossil Fuels Power Generation

Metals & Mining

Carbon Capture and Storage (CCS) / Carbon Capture Utilisation and Storage (CCUS)

Carbon Credits / Offsets

Review of Policy and Performance Effectiveness

Throughout 2023, in order to support the sustainability-oriented businesses, we have disbursed financing for Sustainable Business Activities:

based on OJK Framework: IDR16,082bn
basedonUOBFramework: IDR2,886bn

For our business partners, a sustainable business approach requires adaptation in terms of policies, technology, costs, and human resource capacity. As a result, we continue to provide the highest quality services and advice to assist them in implementing sustainability into their businesses.

In implementing sustainability-related policies and procedures, UOBI received no complaints from our customers and recorded no negative impacts.