BRI Accelerates Sustainable Financing: MSME Support and Green Investment Become Top Priorities
Jakarta – PT Bank Rakyat Indonesia (Persero) Tbk (BRI), as one of Indonesia’s main economic pillars, is increasingly affirming its commitment to advancing sustainable financing. This strategy is implemented through two main focuses: empowerment of micro, small, and medium-sized enterprises (MSMEs) and investment in sectors oriented towards environmental conservation. This step is not merely about meeting regulations, but is also an integral part of BRI’s long-term vision to create inclusive and sustainable growth.
Aquarius Rudianto, Director of Network and Retail Funding at BRI, emphasised that sustainability principles have been internalised in BRI’s business strategy. “Sustainability is no longer merely an option, but rather the main foundation for BRI to build a robust and relevant business model for the future. We recognise that economic growth must align with efforts to transition towards a low-carbon economy and increased financial inclusion,” he stated. Furthermore, Aquarius explained that BRI not only focuses on meeting sustainability regulations, but also makes Environmental, Social, and Governance (ESG) principles an inseparable part of the company’s growth strategy. This integration aims to strengthen business resilience, expand access to responsible financing, and provide added value to all stakeholders, including society and the environment.
BRI’s commitment to sustainability is clearly reflected in its business portfolio. Until the end of December 2025, BRI’s sustainable loans portfolio reached an impressive figure of Rp 811.9 trillion. This figure is equivalent to 60.5% of BRI’s total loan portfolio as a whole. This achievement demonstrates how serious BRI is about integrating sustainability principles into its business operations.
From the total of Rp 811.9 trillion, the majority was allocated for social loans, amounting to Rp 718.7 trillion. These funds were channelled to finance the micro, MSME, and subsidised housing sectors. The focus on these sectors reflects BRI’s commitment to expanding access to financial services for underserved communities, promoting inclusive economic growth, and improving overall societal welfare. MSME financing, in particular, is a priority because this sector is the backbone of Indonesia’s economy, absorbs large amounts of labour, and has great potential to drive economic growth in regions.
In addition to social loans, BRI also allocated significant funds for green loans, amounting to Rp 93.2 trillion. These funds are used to finance various environmentally conscious projects, including renewable energy (such as solar and wind power plants), energy efficiency (such as the use of energy-saving technology in industry and offices), pollution prevention and control (such as waste management and reduction of greenhouse gas emissions), sustainable land management (such as organic farming and forest rehabilitation), green transport (such as the development of electric vehicles and environmentally friendly public transport), eco-efficient products (such as products using recycled raw materials and environmentally friendly production processes), green buildings (buildings designed and constructed according to sustainability principles), and other projects supporting the agenda for transition towards a green and inclusive economy. Investment in these sectors is a strategic step to support climate change mitigation efforts and create a cleaner and healthier environment for future generations.
On the funding side, BRI is also actively developing sustainable wholesale funding. Until the end of December 2025, funds amounting to Rp 45.6 trillion were successfully mobilised through this mechanism. Sustainable wholesale funding enables BRI to obtain sustainable funding sources and support its commitment to financing projects with positive impacts on the environment and society.
BRI’s efforts in advancing the sustainability agenda align with the government’s Asta Cita, which emphasises the importance of strengthening alignment of harmonious living with the environment, nature, and culture. BRI recognises that sustainable economic growth can only be achieved if supported by practices that are socially and environmentally responsible.
Recognition of BRI’s commitment to sustainability has also come from international ESG rating agencies. BRI obtained a score of 74/100 on the 2025 Corporate Sustainability Assessment (CSA) conducted by S&P Global. This score places BRI among the world’s leading companies in terms of sustainability performance. Additionally, BRI is also listed as a Sustainability Yearbook Member for four consecutive years in the 2023-2026 period. This membership is evidence of BRI’s sustained commitment to socially and environmentally responsible business practices. Sustainalytics, another ESG rating agency, places BRI in the Low ESG Risk category, indicating that BRI has lower ESG risk compared with other companies in the same sector. MSCI, a leading provider of indices and investment analysis, gave BRI an A rating in terms of ESG performance. This rating shows that BRI has strong ESG performance and is above the average of other companies in terms of managing ESG risks and opportunities.
Going forward, BRI is committed to continuing to enhance its sustainability efforts and expand its positive impact for society and the environment. BRI will continue to innovate in developing sustainable financial products and services, and will strengthen partnerships with various stakeholders to achieve the Sustainable Development Goals (SDGs). BRI recognises that sustainability is not only a responsibility but also an opportunity to create long-term value for all stakeholders.