Environmental, Social and Governance

Personal Banking
Environmental, Social and Governance

Building a more sustainable

tomorrow by investing well

Environmental, Social and Governance (ESG) criteria is used to benchmark the ethical conduct of companies and countries, and their ability to positively impact the environment and community that we live in, for a more sustainable and socially responsible future.

We reap what we sow. And the decisions we make today will shape the future. Join us in building a better tomorrow by investing sustainably!

Business decisions were at one time driven almost exclusively by profit. But this is slowly changing with the growing recognition that there are other considerations that must be taken into account, such as people and the planet. The impact of our decisions on the world, society, environment and ecosystems at large has become an increasingly important item on the business agenda. With this, sustainability, through its three sub-areas – Environmental, Social, Governance or ESG – has gained its rightful place in today’s narrative.

Key areas of ESG include:

Environmental

Natural world and resources conservation

Climate change and carbon emission
Air and water pollution
Energy efficiency
Water management
Water scarcity
Biodiversity and deforestation

Social

People and relationships

Gender and diversity policies
Human rights
Labour standards
Employee engagement
Customer satisfaction
Community relations

Governance

Stewardship

Board composition
Executive compensation
Audit committee structure
Bribery and corruption policies
Lobbying activities
Political contributions

With sustainability at the core and by weaving ESG practices into the decisions we make on people, processes and products,

we hope to contribute even more to creating long-term value and a better tomorrow.

Investment

Financing

Insights

Environmental, Social and Governance (ESG) are the three pillars that investors use to evaluate how sustainable a business and its performance are. Not surprisingly, ESG investing has attracted investors’ attention like never before. This has given rise to significant growth in what is known as responsible investing.

You have everything to gain when you shift from a profit focus to a more holistic approach that incorporates socio-environmental value and responsible investing. This enables you to make ESG-integrated decisions for value creation and impact investing.

How is this so? Contrary to popular belief, one need not compromise on returns when investing in ESG-integrated investments as they too take into account profits and risks, whilst seeking to ensure the sustainability factor is properly built into the equation. ESG consciousness motivates individuals and businesses to pursue the best corporate and management practices alongside ensuring the social wellbeing of the community and conservation and preservation of the environment. Combined, these can translate into favourable financial performance in the long run based on the real strength of the investment. The beauty of ESG-integrated investments is that you can enjoy both resilience and returns without having to choose between the two.

So, if you are seeking strong financial returns while doing good, start your sustainable investing journey with us today!

Do well by doing good.

Unit Trust

Portfolios of equities and/or bonds for which environmental, social and governance factors have been integrated into the investment process

Treasury Product

Investment solutions linked to

sustainable companies or outcomes.

Switch to solar energy panels and enjoy promotional packages on solar panel installation by our participating solar panel providers, when you pay by financing from OCBC Bank¹ or by OCBC Credit Card².

Learn More

Enjoy special rates when you apply for any loan/financing secured against any Certified Green property.

Learn More

¹The financing is by way of applying for (a) top up loan to pay for the solar panel, if you have an existing Home Loan with OCBC Bank; or (b) refinancing of your Home Loan with OCBC Bank, with or without top up loan as the case may be. The financing will be secured against the property which shall be charged to the Bank. All applications are subject to credit assessment and approval, and such terms and conditions as may be imposed by OCBC Bank at its discretion.

²Payment by OCBC Credit Card is subject to the terms and conditions in the OCBC Cardmember’s Agreement. OCBC Cardmember who opts to pay with 0% Instalment Payment Plan (IPP) is subject to the terms and conditions governing the IPP, as the case may be.

SOLS Energy Sdn Bhd

Discounts up to RM1,178 for solar panel installation

Promotion period until

31 December 2022

Terms and Conditions

Discounts up to RM1,178 for OCBC customers, as shown in Table 1:

RM100/kW off for first 50 customers
RM75/kW off for following 50 customers
RM50/kW off for final 50 customers
Priority will be given to customer who proceeds with full payment for remaining allocated slots

Table 1: Discount Value per Solar Panel Size (kW)

Size (kW)	Warranty	Phase	Discount Value (RM)
Size (kW)	Warranty	Phase	First 50 customers RM100/kW off	Next 50 customers RM75/kW off	Final 50 customers RM50/kW off
4.18	10 Years	Single	418	313.5	209
5.32	10 Years	Three	532	399	266
6.08	10 Years	Three	608	456	304
8.36	10 Years	Three	836	627	418
10.26	10 Years	Three	1026	769.5	513
11.78	10 Years	Three	1178	883.5	589

Payment must be made either by financing from OCBC Bank or by OCBC Credit Card. The financing is by way of applying for (a) top up loan to pay for the solar panel, if you have an existing Home Loan with OCBC Bank; or (b) refinancing of your Home Loan with OCBC Bank, with or without top up loan as the case may be. The financing will be secured against the property which shall be charged to the Bank. All applications are subject to credit assessment and approval, and such terms and conditions as may be imposed by OCBC Bank at its discretion.

Payment by OCBC Credit Card is subject to the terms and conditions in the OCBC Cardmember’s Agreement. OCBC Cardmember who opts to pay with 0% Instalment Payment Plan (IPP) is subject to the terms and conditions governing the IPP, as the case may be.
RM500 booking fee is required to reserve a slot for installation, and will be deducted from the overall payable price upon installation confirmation. The booking fee is fully refundable if the Customer makes a cancellation.
For further enquiries regarding solar panel installation/the promotion/interest to sign up for the promotion, please leave your personal details at the OCBC promotion website at www.ocbc.com.my/solar or via the SOLS Energy landing page www.sols.energy/ocbc. The solar panel provider will get in touch with you for further assistance.
Subject to such other terms and conditions as may be imposed by SOLS Energy.
OCBC Bank (Malaysia) Berhad merely provides payment convenience and disclaims all liabilities and obligations with respect to any products, services or representations by third parties. Usage of OCBC Credit Card is subject to the terms and conditions in the OCBC Cardmember’s Agreement.

Opensys Technologies Sdn Bhd

Up to 10% off for solar panel installation

Promotion period until

20 September 2023

Terms and Conditions

Payment must be made with an
OCBC Credit Card.
Offer is subject to supplier's promotion quota on a first come first served basis.
This promotion is valid for installation of residential system only.
The final proposal must be accepted during promotion period.
10% initial payment upon installation confirmation, 90% payment before installation and TNB commissioning.
For further enquiries regarding solar panel installation/the promotion/interest to sign up for the promotion, please leave your personal details at the OCBC promotion website at www.ocbc.com.my/solar or via the buySolar landing page www.buysolar.my/ocbc.
Maximum solar system size is subject to supplier's limit.
Subject to such other terms and conditions as may be imposed by Buy Solar.
OCBC Bank (Malaysia) Berhad merely provides payment convenience and disclaims all liabilities and obligations with respect to any products, services or representations by third parties. Usage of OCBC Credit Card is subject to the terms and conditions in OCBC Cardmember’s Agreement.

Solar Panel Financing

This option is open to eligible OCBC customers with a home loan/financing-i.

0% Instalment Payment Plan (IPP)

Enjoy monthly repayments via 0% IPP with your OCBC Credit Card.

Easy Payment Plan (EPP)

Simply convert your solar panel payment into smaller and easier-to-pay monthly instalments with your OCBC Credit Card. Learn more about EPP here.

Apply Now

I confirm that I have read and I agree with the
Declaration and Agreement and Terms and Conditions .

I hereby irrevocably authorise OCBC Bank (Malaysia) Berhad to disclose my personal information to the abovementioned participating solar panel providers to assist me further regarding solar panel installation/the promotion/interest to sign up for the promotion.

Important Note:

OCBC Bank (Malaysia) Berhad as a financier merely provides financing and credit card facilities and disclaims all liabilities and obligations in respect of any products, services or representations by third parties.
Solar Panel Financing Terms and Conditions.

Take up our Green Home Financing package with special rates when your residential property is certified by one of the following bodies:

Green Building Index

GreenRE

Leadership in Energy and Environmental Design (LEED)

BCA (Building and Construction Authority) Green Mark

New purchases
Refinancing
Completed/Sub-sale properties with Solar PV installed
Top-up/Cash out financing of existing OCBC Home Loans/Home Financing-i for Solar Panel financing

Interested? Drop us your details and we will be in touch!

Please Contact Me

I confirm that I have read and agree with the
Terms and Conditions .

Important Note:

OCBC Bank (Malaysia) Berhad as a financier merely provides financing and credit card facilities and disclaims all liabilities and obligations in respect of any products, services or representations by third parties.

Investing For Our Future Generations

There is a shift in the world of investing. Investors, namely the institutional investors, are starting to recognize that ESG are drivers of value, when assessing an investment opportunity. This realization has contributed to stronger gains for ESG adopters and has accelerated efforts to soothe environmental pains.