BNI GO GREEN Green Banking and Energy Financing Delivered by Leonard Panjaitan (Manager Corporate Sustainability) at IESR Dialogue, Jakarta 03 July 2012

2. BNI’s Approach toward Green Banking CONTENTS 1. The Background 2. BNI’s Approach toward Green Banking 3. The Achievement

CONTENTS The Background

The Background: Cadangan dan Produksi Energi Indonesia NO NON FOSSIL ENERGY RESOURCES (SD) INSTALLED CAPACITY (KT) RATIO KT/SD (%) 1 2 3 4 5 = 4/3 Hydro 75,670 MW 5,705.29 MW 7.54 Geothermal 29,038 MW 1,189 MW 4.10 Mini/Micro Hydro 1,013.5 MW 462.0 MW 46.0 Biomass 49,810 MW 1,618.40 MW 3.25 5 Solar Energy 4.80 kWh/m2/day 13.5 MW - 6 Wind Energy 3 – 6 m/s 1.87 MW 7 Uranium 3.000 MW (e.q. 24,112 ton) for 11 years*) 30 MW (Thermal) 1.00 *) only in Kalan – West Kalimantan NO FOSSIL ENERGY RESOURCES (SD) RESERVES (CAD) RATIO SD/CAD (%) PRODUCTION (PROD) RASIO CAD/PROD (YEAR)*) 1 2 3 4 5 = 4/3 6 7 = 4/6 Oil (billion barrel) 56.6 7.99 **) 14 0.346 23 Gas (TSCF) 334.5 159.64 51 2.9 55 Coal (billion ton) 104.8 20.98 18 0.254 83 Coal Bed Methane/CBM (TSCF) 453 - *) with assumption there is no new found **) Cepu Block is included Sumber: Kementerian ESDM

Komitmen RI untuk Mengurangi Emisi CO2 President Commitment on G-20 Pittsburgh and COP15 To reduce the GHG Emission in 2020 26% (767 mln Ton) 41% Own efforts Own efforts and international support Through the development of new renewable energy and implementing energy conservation by all sectors Forestry, Peat Land, Agriculture 680 million Ton Energy Sector 30 million Ton Waste 48 million Ton Industry and Transportation 9 million Ton

2. BNI’s Approach toward Green Banking and Energy CONTENTS 2. BNI’s Approach toward Green Banking and Energy

BNI’s Compass of Sustainability (Alan Atkisson) BNI’s fourth Mission: Meningkatkan Kepedulian dan Tanggungjawab terhadap Lingkungan dan Sosial (To improve environmentally and socially corporate responsibility)

BNI’s Corporate Sustainability Organization Corporate Secretary (General Manager) President Director Head of Corporate Sustainability Head of Partnership and CSR Programs Manager of Partnership and CSR Manager Corporate Sustainability VP Corporate Sustainability Analysts Assistant Administration

BNI’s Corporate Sustainability/Green Banking Strategy Green lending PKBL Branding/ sponsorship External Cross selling Green funding CSR Networking Product development Internal Capacity Building Green attitude SOP Non Business Business

PKBL/CSR Policy BNI Responsibility” PKBL Elemen: “Corporate Social Responsibility” Program Kemitraan KESEJAHTERAAN MASYARAKAT MICRO FINANCING Bina Lingkungan Pemberdayaan Masyarakat dan Filantropi (Community Development) 1. Penyaluran kredit untuk pengembangan produk unggulan Daerah 2. Industri kreatif 3. Ketahanan Pangan 3. Capacity Building Elemen: Masyarakat sekitar, LSM, Lembaga, Kampus, Sekolah 1. Pendidikan 2. Kesehatan 3. Lingkungan 4. Korban bencana alam 5. Prasarana & sarana 6. Sarana ibadah KAMPOENG BNI HUTAN KOTA, ENERGI RAMAH LH, POJOK BNI

CONTENTS 2. BNI’s Achievement

BNI Energy Financing: Commercial Scheme - 2011 A. Big Corporate Project (Total: 6 Perusahaan) Company Maximum Credit Currency Type of Business Location Additional information Musim Mas, PT 227 IDR Billion Biodiesel (Renewable Energy) Batam Certified RSPO 1.712,505 Palm Oil (Sustainable Agribusiness) Riau and Sumut Poso Energy, PT 707 Hydro Energy (Renewable Energy) Poso Sulteng 3 x 65 MW Harvestindo International, PT 20 Recyling Products Pasar Kemis Tangerang Dacron Products Dizamatra Powerindo Sibayak, PT 7,052 USD Million Geothermal Power Plant (Renewable Energy) Sibayak Sumut 2 x 5 MW Geodipa, PT 103,058 Patuha Jawa Barat 1 x 55 MW Kartanegara Energi Perkasa, PT 104 Gas Power Plant (Clean Energy) Senipah Kutai - Kaltim 2 x 41 MW B. SME Project (Total: 26 Perusahaan) C. Investasi BNI di METI melalui Fund Manager PT. Insight Investment sebesar Rp. 26 Miliar Jenis Industri Kredit (Rp) Efisiensi Energi 4.000.000.000 Daur Ulang (Plastik) 13.903.505.000 Pertanian Organik (Pupuk Organik) 3.167.840.944 Properti Ramah Lingkungan   Pemanfaatan Limbah : a. Limbah Air (IPAL) 4.289.080.500 b. Limbah Padat 8.715.949.239 Alat & Produk Bersih 8.179.859.379 Perdagangan Rongsokan 1.235.000.000 Alat Pengendalian Pencemaran 2.191.333.340 Electroplating 343.601.319 Total 46.026.169.721

BNI Energy Financing: CSR Scheme- 2011 1. Pico Hydro di Kab. Cianjur (Partner:IIEE) 2. Biogas di Sumba (Partner: HIVOS) Project Cost: Rp. 200 juta Project Cost: Rp. 190 juta and will be increased Pipeline 2012 Biomass di Buleleng (Partner: IIEE, USAID ICED) Biogass di Sumba, Jawa Timur (Partner: HIVOS)

Penyaluran Bina Lingkungan BNI: The Opportunity for Environment/Energy

BNI’s Triple Bottom Line 2011 Profit Planet Sustainability Viable People

Opportunities and Challenges: Akses Energi untuk Masyarakat Masih banyak lokasi untuk pembangkit listrik atau pemanfaatan energi swadaya masyarakat yang perlu digarap Dana CSR/PKBL masih banyak tersedia di perbankan atau BUMN lain. Potensi ekonomi lokal/desa akan tergarap dengan adanya elektrifikasi desa Pendidikan dan kesehatan juga akan lebih baik dengan adanya elektrifikasi atau energi yang bersih/renewable Challenges: Bank belum banyak mendapatkan informasi mengenai unelectrified area yang perlu didanai via CSR (LSM atau elemen masyarakat pro-aktif beri masukan/informasi). LSM atau lembaga lain perlu waktu relatif lama untuk melakukan feasibility study/pendekatan masyarakat. Perlu partner yang tepat bagi Bank untuk melakukan pembangunan elektrifikasi desa, termasuk sisi ekonomi, pendidikan dan kesehatan.

Renewable and Clean Energy: Pico Hydro, PLTG, PLTPB

BNI’s Programs and Activities in Brief

THE ENDS: Our Future