The assessment is conducted based on industry-specific norms and standards especially pertaining to certification but also including ESG action plans that address the industry-specific impacts of the company’s activities. The assessment enables BIMB to obtain an overview of the climate impacts of the customer in terms of GP1, 2 and 3 and any remedial activities the customer may carry out in terms of GP4. Broad Limitations: For company (corporate, commercial or SME) financing, entity-level policies and action plans are generally made available by companies with large asset sizes or are public-listed entities that are required to disclose on sustainability as per regulatory and stakeholder requirements. However, for most SME and commercial-scale entities, these disclosures may not be visible. Collating data for these segments entail a much bigger resource-intensive challenge and thus a proxy and model-based assessment is conducted to determine the applicable GPs. For retail financing, there is generally little to no data on the personal profile of a customer to apply the GPs on a similar basis as a business entity. As such, the main assessment conducted on retail customers is to monitor engagement in prohibited activities and encourage environmentally-friendly uses where applicable. INTEGRATED ANNUAL REPORT 202 1 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information 121
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