ESG Commitment: Bank Raya Promotes Inclusive Financing and Energy Efficiency
PT Bank Raya Indonesia Tbk (AGRO) continues to affirm its integrated and sustainable business direction. This is reflected in the disbursement of sustainable business credit for SMEs, digital innovation, and the implementation of Environmental, Social, and Governance (ESG) principles.
Throughout 2025, total sustainable business credit reached Rp3.6 trillion, or 47.49% of Bank Raya’s total credit portion, an improvement over the previous year’s 41.69%. This achievement reflects Bank Raya’s active role in supporting inclusive and sustainable economic growth through strengthened SME financing, banking digital transformation, and consistent application of ESG principles.
This commitment also drives digital business growth; by the end of 2025, Bank Raya recorded digital savings realisations of Rp2.20 trillion, a significant 66.7% year-on-year increase. In line with its green banking strategy through optimised digital services, Bank Raya has also strengthened its investment portfolio through ownership of green bonds.
Additionally, Bank Raya promotes the application of green banking principles in financing and operations, including more selective credit policies oriented towards environmentally aware business activities, increased energy efficiency and resource use, and strengthened management of environmental impacts from banking activities.
“We believe that quality business growth must go hand in hand with responsibility towards the environment and society. Through strengthened SME financing, digital innovation, and ESG principle implementation, Bank Raya is committed to continuously creating long-term sustainable value for all stakeholders,” said Bank Raya’s Director of Risk Management, Compliance, and Human Resources, Danar Widyantoro, quoted on Monday (11/5/2026).
From an environmental perspective, in 2025 Bank Raya successfully reduced electricity consumption to 748,156 kWh, a 40.41% decrease compared to the previous year. Additionally, Bank Raya reduced water usage to 5,599 m³, a 9.4% drop from the previous year.
As one of the Environmental and Social Responsibility (TJSL) initiatives in the environmental pillar, Bank Raya launched the Pantura Greenbelt Programme to plant 3,500 mangrove saplings from every customer financial transaction in the Raya Application. The Pantura Greenbelt Programme is expected to contribute to the surrounding environment and absorb 28 tCO2 of carbon per year, which will increase as the plants age.
In the social aspect, Bank Raya enhances human resource capabilities through ESG certification and training, as well as strengthening human rights protection in the workplace. Commitment to the community is also manifested through the implementation of five corporate social responsibility (CSR) programmes covering social, economic, environmental, and legal and governance fields, exceeding the set targets.
Additionally, the financial literacy programme through Bank Raya’s official social media channels has been conducted 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 programmes, increased HR capacity, and financial literacy education so that Bank Raya’s growth aligns with economic and social sustainability,” Danar added.