Environmental

We manage energy with efficiency and discipline across our offices, centers, and branches. LED lighting, inverter-type air-conditioning units, timer-switches, and motion sensors reduce electricity demand, reinforced by periodic energy audits and a 52-week preventive maintenance program. In 2025, targeted measures delivered estimated efficiency savings of 5 to 10%. 

Transitioning to Renewable Energy

Starting in 2026, we will begin implementing renewable energy solutions at approved pilot locations, including participation in the Retail Competition and Open Access (RCOA) and Green Energy Option Program (GEOP), as well as rooftop solar installations at strategic facilities.

We also offer financing and payment options for residential rooftop solar installations, helping customers adopt cleaner energy and aligning our product suite with broader transition objectives.

We measure greenhouse gas emissions using the GHG Protocol operational control approach, covering Scope 1 direct emissions and Scope 2 location-based emissions from electricity use across our network. Improving emissions intensity across both workforce and revenue metrics shows we are operating more efficiently as our business grows. 

Disclosure: Intensity ratios reflect only Scope 1 and Scope 2

We reduce direct emissions through preventive maintenance for service vehicles and generator sets, and optimize fuel through displacement-based planning. We also reduce value chain emissions through DHL's Go Green Plus Program to achieve reductions in well-to-wheel emissions through partnerships in Sustainable Aviation Fuel

We are preparing to expand reporting beyond Scope 1 and 2, with initial work focused on Scope 3 categories and methodologies for measuring financed emissions under Category 15.

We manage water consumption across our branches and centers with care, recognizing it as a shared resource in the urban areas where we operate. We monitor use through utility billing and facility-level tracking, address leaks promptly, and pilot rainwater harvesting at selected locations. 

Bankwide water consumption in 2025 remained broadly consistent with prior year levels, reflecting stable operations and continued application of water management controls. Disaggregation for water-stressed locations remains under assessment as our data systems mature.

We manage waste responsibly across all our centers, focusing on prevention, proper segregation, and safe disposal. Our waste comes primarily from office-based activities, and we work with accredited third-party providers where disposal is outsourced. We also track what we generate and stay engaged with government agencies to keep our practices aligned with current requirements. 

In 2025, we generated 401.1 tonnes of waste in total: 59% recyclable, 39% biodegradable, and 2% hazardous. Changes year on year reflect shifts in operational activity and continued improvements in how we segregate and recycle. 

Through the Purple Hearts Club, our employee chapters turn environmental responsibility into everyday action. In 2025, we carried out 28 environmental initiatives focused on practical, community-based efforts that protect natural resources while strengthening local resilience. Our teams worked alongside host communities across multiple regions, from tree planting and mangrove rehabilitation to coastal and river clean-ups, biodiversity conservation, and pawikan stewardship programs.

We comply with all applicable environmental laws and regulations, securing required permits across our facilities and coordinating regularly with government agencies to stay ahead of evolving requirements. We also keep actively informed on environmental policy developments to prepare early for regulatory updates that may affect our operations.