Assessments

Introduction:

This interactive tool can be used to assess and track banks' performance on ESG integration, based on 2018 disclosures. Any improvements or regressions in performance compared to the previous year are also displayed.

Users may also create a custom list of banks, selecting from both ASEAN banks as well as international banks that are active in ASEAN, to compare against a wider set of peers.

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Download results on screen:

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Assessment graphs explained

Fulfilled
Improved
No change
Regressed
Unfulfilled

ESG Integration Pillars (Malaysia)

All indicators

1. Purpose

1.1. Sustainability strategy and stakeholder engagement

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

1.2. Participation in sustainable finance initiatives and policy advocacy with regulators

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

2. Policies

2.1. Public statements on specific ESG issues

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

2.2. Public statements on specific sectors

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

3. Processes

3.1. Assessing ESG risks in client and transaction approvals

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

3.2. Client monitoring and engagement

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

4. People

4.1. Responsibilities for ESG

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

4.2. Staff E&S training and performance evaluation

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

5. Products

5.1. ESG integration in products and services

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

6. Portfolio

6.1. ESG risk assessment and mitigation at portfolio level

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

6.2. Disclosure of ESG risk exposure and targets

  • AmBank

  • CIMB

  • Hong Leong

  • Maybank

  • Public Bank

  • RHB

  • Avg

Download results on screen:

Download PDF

Task Force on Climate-Related Financial Disclosures (TCFD)

The Task Force on Climate-Related Financial Disclosures (TCFD), established by the Financial Stability Board (FSB) in December 2015, issued recommendations structured around four thematic areas (Governance, Strategy, Risk Management and Metrics & Targets). These recommendations apply to all sectors and also include a supplemental guidance specific to banks. In the TCFD section, the Sustainable Banking Assessment sub-indicators have been mapped to these four thematic areas for banks to assess how ready they are to implement TCFD recommendations.

Governance*

Disclose the organization's governance around climate-related risks and opportunities.

  • Recommended Disclosure a) Describe the board’s oversight of climate-related risks and opportunities.

  • Recommended Disclosure b) Describe management’s role in assessing and managing climate-related risks and opportunities.

* As described in the Annex: Implementing the recommendation of the TCFD (June 2017). Available at: https://www.fsb-tcfd.org/publications/final-implementing-tcfd-recommendations/

Strategy*

Disclose the actual and potential impacts of climate-related risks and opportunities on the organization's businesses, strategy, and financial planning where such information is material.

  • Recommended Disclosure a) Describe the climate-related risks and opportunities the organization has identified over the short, medium, and long term.

    • Supplemental Guidance for Banks

      Banks should describe significant concentrations of credit exposure to carbon-related assets. Additionally, banks should consider disclosing their climate-related risks (transition and physical) in their lending and other financial intermediary business activities.

  • Recommended Disclosure b) Describe the impact of climate-related risks and opportunities on the organization's businesses, strategy, and financial planning.

  • Recommended Disclosure c) Describe the resilience of the organization's strategy, taking into consideration different climate-related scenarios, including a 2°C or lower scenario.

* As described in the Annex: Implementing the recommendation of the TCFD (June 2017). Available at: https://www.fsb-tcfd.org/publications/final-implementing-tcfd-recommendations/

Risk Management*

Disclose how the organization identifies, assesses, and manages climate-related risks.

  • Recommended Disclosure a) Describe the organization's processes for identifying and assessing climate-related risks.

    • Supplemental Guidance for Banks

      Banks should consider characterizing their climate-related risks in the context of traditional banking industry risk categories such as credit risk, market risk, liquidity risk, and operational risk. Banks should also consider describing any risk classification frameworks used (e.g., the Enhanced Disclosure Task Force's framework for defining "Top and Emerging Risks").

  • Recommended Disclosure b) Describe the organization's processes for managing climate-related risks.

  • Recommended Disclosure c) Describe how processes for identifying, assessing, and managing climate-related risks are integrated into the organization's overall risk management.

* As described in the Annex: Implementing the recommendation of the TCFD (June 2017). Available at: https://www.fsb-tcfd.org/publications/final-implementing-tcfd-recommendations/

Metrics and Targets*

Disclose the metrics and targets used to assess and manage relevant climate-related risks and opportunities where such information is material.

  • Recommended Disclosure a) Disclose the metrics used by the organization to assess climate-related risks and opportunities in line with its strategy and risk management process.

    • Supplemental Guidance for Banks

      Banks should provide the metrics used to assess the impact of (transition and physical) climate-related risks on their lending and other financial intermediary business activities in the short, medium, and long term. Metrics provided may relate to credit exposure, equity and debt holdings, or trading positions, broken down by: Industry, Geography, Credit quality, Average tenor.

      Banks should also provide the amount and percentage of carbon-related assets relative to total assets as well as the amount of lending and other financing connected with climate-related opportunities.

  • Recommended Disclosure b) Disclose Scope 1, Scope 2, and, if appropriate, Scope 3 greenhouse gas (GHG) emissions, and the related risks.

  • Recommended Disclosure c) Describe the targets used by the organization to manage climate-related risks and opportunities and performance against targets.

* As described in the Annex: Implementing the recommendation of the TCFD (June 2017). Available at: https://www.fsb-tcfd.org/publications/final-implementing-tcfd-recommendations/
1 RSPO - Roundtable on Sustainable Palm Oil; PRB - Principles for Responsible Banking; EP - Equator Principles; SBTi - Science Based Targets initiative; SBEFP - Sustainable Blue Economy Finance Principles.
2 New sub-indicator added in the 2019 update.

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Header image © Thomas Cristofoletti / WWF-US