Portofolio Guidelines

In ESG implementation, the Portfolio Guideline is in accordance with Technical Instructions No. PT. 8-H.3 dated 1 October 2023. Issuance of the Portfolio Guideline is one of the tools in implementing credit risk management which is used to control credit concentration risk.

The Company has determined 15 (fifteen) industrial sectors that can be used as guidelines in providing credit by considering ESG aspects, prudential principles and appropriate credit management. healthy, so that harmony is created between environmental, social and governance aspects. 15 priority sectors, namely:

• Residential-Property;

• Infrastructure and Utilities;

• Health Services;

• Financial Institutions (Commercial Banks, Securities, Insurance);

• Multifinance;

• Transportation and Logistics;

• Agribusiness;

• Information and Technology;

• Telecommunication;

• Educational Services;

• Oil and Gas;

• Retail;

• Jasa;

• Pulp and Paper;

• Barang Konsumen (Makanan dan Minuman, Barang Rumah Tangga, dan Perawatan Pribadi);