Bank Rakyat Indonesia’s sustainable-finance portfolio reached Rp842.1 trillion at the end of the first half of 2026, equivalent to approximately 58% of the bank’s total lending portfolio, as social financing remained the dominant component of its sustainability strategy.
The portfolio increased from Rp802.4 trillion in the corresponding period of 2025. Social financing accounted for Rp739.9 trillion, while environmental financing reached Rp102.2 trillion. BRI also reported Rp37.6 trillion in sustainable wholesale funding as it develops funding instruments including green and social bonds.
Micro loans accounted for 60.4% of social financing, MSME lending for 37.1% and subsidised housing finance for 2.5%. Environmental financing was equivalent to 7.1% of total loans.
SUSTAINABLE FINANCE BROADENS
Within environmental financing, sustainable land management accounted for 69.2%, followed by renewable energy at 6.5%, eco-friendly products at 4.5%, green transportation at 3.1% and energy efficiency at 2.6%.
Sustainable wholesale funding rose from Rp34.8 trillion in 2025 and Rp27 trillion in 2024. Social loans made up 38% of it, social bonds 26.6%, sustainability-linked loans 23.8% and green bonds 3.7%.
Director of Legal and Compliance Mahdi Yusuf said BRI continues to develop sustainable finance as part of its growth strategy while taking risk into account.
WHY IT MATTERS
BRI said its 2025 social bonds supported about 59,000 jobs at micro, small and medium enterprises and improved assets for about 23,000 borrowers under the KUR and Kupedes programmes, while its green bonds helped avoid about 2,711 ktCO2e of emissions a year.
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