JAKARTA - PT Bank Raya Indonesia Tbk (AGRO), a digital bank part of the BRI Group, continues to emphasize its integrated business direction with the principle of sustainability, including in encouraging sustainable business loans through financing for MSMEs, digital innovation, and implementation of the principles of Environmental, Social, and Governance (ESG).
Throughout 2025, the total sustainable business loans reached IDR 3.6 trillion or 47.49 percent of the total loan portion of Bank Raya, which is better when compared to the previous year, which was 41.69 percent.
This achievement reflects Bank Raya's active role in supporting inclusive and sustainable economic growth through strengthening financing for MSMEs, digital transformation of banking, and consistent implementation of ESG principles.
This commitment is also an impetus for the growth of digital business, namely at the end of 2025 Bank Raya recorded the realization of digital savings of IDR 2.20 trillion or grew significantly by 66.7 percent (yoy).
In line with the green banking strategy through the optimization of digital services, Bank Raya also strengthens its investment portfolio through the ownership of green bonds.
In addition, Bank Raya also encourages the application of green banking principles on the financing and operational sides, including through more selective credit policies and business activities that are environmentally aware, increased energy efficiency and resource use, and strengthening the management of environmental impacts from banking activities.
Danar Widyantoro Director of Risk Management, Compliance, and Human Resources at Bank Raya believes that quality business growth must go hand in hand with responsibility to the environment and society.
"Strengthening financing for MSMEs, digital innovation, and the implementation of ESG principles, Bank Raya is committed to continue to create sustainable long-term value for all stakeholders," he said.
In terms of the environment, in 2025 Bank Raya managed to reduce electricity consumption to 748,156 kWh or down 40.41 percent compared to the previous year.
In addition, Bank Raya also managed to reduce water usage to 5,599 m3 or down 9.4 percent compared to the previous year.
One of the tangible steps of Social and Environmental Responsibility (TJSL) on the environmental pillar, Bank Raya has launched the Pantura Greenbelt Program for planting 3,500 mangrove seedlings from every customer's financial transaction in the Raya Application.
This Pantura Greenbelt Program is expected to contribute to the surrounding environment and absorb 28 tCO2/year of carbon, which will increase as the age of the plants increases.
In the social aspect, Bank Raya has increased human resource capabilities through ESG certification and training, as well as strengthening human rights protection in the work environment.
Commitment to the community is also realized through the implementation of five corporate social responsibility (CSR) programs which include social, economic, environmental, and legal & governance fields that exceed the targets that have been set.
In addition, the financial literacy program through the Bank's official social media channels has been carried out 36 times or an average of three times per month to increase public understanding of financial management.
"We will continue to strengthen ESG initiatives through operational efficiency, expansion of greening programs, improvement of human capital capacity, and financial literacy education so that Bank Raya's growth goes hand in hand with economic and social sustainability," concluded Danar.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
