PT Bank Negara Indonesia (Persero) Tbk or BNI recorded a sustainable financing portfolio of IDR197 trillion throughout 2025. This value is equivalent to 22% of BNI's total credit, marking the company's strengthened role in promoting financing that is in line with sustainability principles and long-term risk management.
BNI Deputy Director Alexandra Askandar said that BNI's sustainable financing portfolio is channeled to various strategic sectors, ranging from micro, small, and medium enterprises (MSMEs), renewable energy, natural resource management and land use, to water and waste management.
“This outcome reflects BNI’s commitment to promoting business growth in line with sustainability principles,” Alexandra said in a written statement.
In 2025, BNI strengthened its sustainability implementation through three Sustainability Pillars outlined in the ESG Blueprint, namely Sustainable Finance, Corporate Sustainability, and Inclusion & Resilience. These three pillars integrate the ESG framework with BNI's five pillars of sustainability as the foundation for the comprehensive application of Environmental, Social, and Governance (ESG) principles across all business lines.
In terms of financing, BNI continues to expand its sustainable portfolio through the development of Sustainability-Linked Loan (SLL) and green financing schemes. These schemes are designed to encourage improvements in debtors' ESG performance while supporting efforts to reduce emissions towards the Net Zero Emission target by 2060.
BNI's commitment to sustainable finance was also reflected in the issuance of a IDR5 trillion Sustainability Bond in 2025, which received an idAAA rating, as well as a IDR5 trillion Green Bond in 2022. The proceeds from the issuance of these instruments were allocated for environmentally and socially conscious financing in accordance with national and international standards.
In addition to financing, BNI has strengthened its advisory role to debtors in the transition process towards sustainable business practices. The company launched an ESG Advisory Playbook for the palm oil sub-sector—making BNI the first bank in Indonesia to compile such a guide—and provides technical assistance to debtors in the AFOLU, construction and real estate, and transportation and logistics sectors for the implementation of the Indonesian Sustainable Finance Taxonomy (TKBI).
On the operational side, BNI implemented the Zero Waste to Landfill (ZWTL) concept with the principles of Reduce, Reuse, and Recycle (3R) in five head offices. Throughout 2025, the company successfully recycled 611.5 tons of solid waste, equivalent to 100% of the total solid waste produced.
“This step is part of BNI's efforts to reduce the environmental impact of its operational activities,” Alexandra emphasized.
With these milestones, BNI reaffirms its commitment to continue strengthening the implementation of ESG and Social and Environmental Responsibility (TJSL) as an integral part of its long-term strategy, in order to create sustainable value for all stakeholders.