Jakarta. As part of the Bank Rakyat Indonesia (BRI) Group’s digital banking ecosystem, Bank Raya continues to strengthen its business direction through sustainability-driven initiatives, including support for sustainable financing, MSME lending, digital innovation, and the implementation of Environmental, Social, and Governance (ESG) principles. Throughout 2025, the bank recorded sustainable business loans of Rp 3.6 trillion, accounting for 47.49% of its total loan portfolio, improving from 41.69% in the previous year. The achievement reflects Bank Raya’s active role in supporting inclusive and sustainable economic growth through MSME financing, digital banking transformation, and the consistent application of ESG principles.

The commitment also supported the growth of the bank’s digital business. By the end of 2025, Bank Raya recorded digital savings realization of Rp 2.20 trillion, marking a significant 66.7% year-on-year increase. In line with its green banking strategy through digital service optimization, Bank Raya also strengthened its investment portfolio through green bond ownership. In addition, the bank continued to encourage the implementation of green banking principles in both financing and operational activities, including through more selective lending policies focused on environmentally oriented business activities, improving energy and resource efficiency, and strengthening environmental impact management from banking operations.

Danar Widyantoro, Director of Risk Management, Compliance, and Human Resources at Bank Raya, said, “We believe that quality business growth must go hand in hand with responsibility toward the environment and society. Through strengthening MSME financing, digital innovation, and the implementation of ESG principles, Bank Raya remains committed to creating sustainable long-term value for all stakeholders.”

From the environmental aspect, Bank Raya successfully reduced electricity consumption to 748,156 kWh in 2025, down 40.41% from the previous year. The bank also reduced water consumption to 5,599 cubic meters, or 9.4% lower year-on-year. As part of its Environmental and Social Responsibility (TJSL) initiatives under the environmental pillar, Bank Raya launched the Pantura Greenbelt Program, which involves planting 3,500 mangrove seedlings through customer financial transactions conducted via the Raya App. The program is expected to contribute positively to surrounding environments and absorb up to 28 tCO2 annually, with absorption capacity projected to increase as the mangroves mature.

On the social front, Bank Raya enhanced human resource capabilities through ESG certifications and training while strengthening human rights protection within the workplace. Its commitment to the community was also reflected through the implementation of five corporate social responsibility (CSR) programs covering social, economic, environmental, and legal & governance aspects, exceeding the bank’s predetermined targets. In addition, financial literacy programs conducted through the bank’s official social media channels were held 36 times throughout the year, or an average of three sessions per month, to improve public understanding of financial management.

“We will continue strengthening ESG initiatives through operational efficiency, expanding greening programs, enhancing human resource capacity, and promoting financial literacy education so that Bank Raya’s growth aligns with sustainable economic and social development,” Danar concluded.