INDUSTRY.co.id - Jakarta, PT Bank DBS Indonesia strengthens its commitment to sustainable finance by recording a financing portfolio for sustainable business activities of Rp15.6 trillion until the end of 2025. Based on the 2025 Annual Report and Sustainability, the value increased from Rp14.1 trillion in the previous year and was equivalent to 19.1 percent of the bank's total lending.
This achievement is in line with the financial performance that remains solid. Throughout 2025, Bank DBS Indonesia posted net interest income of Rp6.13 trillion, up 2.5 percent compared to Rp5.98 trillion in 2024. Meanwhile, net income grew 15.8 percent to Rp1.72 trillion, driven by strengthening operating income and maintained business momentum amid market challenges.
In terms of capital, the bank's position remains strong with Rasio Kewajiban Penyediaan Modal Minimum (CAR) at 22.22 percent, far above the regulatory provisions. This condition is considered to provide adequate space for the company to continue to encourage sustainable business growth while maintaining the principle ofprudence.
President Director of PT Bank DBS Indonesia Lim Chu Chong affirmed that sustainability has become an integral part of the company's business strategy.
“Bank DBS Indonesia focuses not only on growth, but also on creating a sustainable positive impact. We strive to maintain a balance between integrated economic, social, environmental, and governance performance in every business decision,” said Lim Chu Chong.
According to him, the increase in sustainable financing strengthens the position of Bank DBS Indonesia in encouraging sectors that contribute to a green and inclusive economy in Indonesia, as well as being part of strengthening Kategori Kegiatan Usaha Berkelanjutan (KKUB) financing.
This step is in line with the implementation of POJK Number 51/POJK.03/2017 which is the basis for implementing sustainable finance in Indonesia. In practice, DBS Indonesia implements a sustainability strategy through three main pillars, namely Responsible Banking, Responsible Business Practices, and Impact Beyond Banking.
This commitment is also reflected in the development of various sustainability-based products and services, ranging from Spark Savings, ESG-themed mutual funds, to green bonds designed to support more inclusive economic growth.
In the field of financial inclusion, cumulatively Bank DBS Indonesia has distributed more than Rp3.8 trillion to low-income people through trusted financing partners. The Company also disbursed revolving working capital loans worth Rp70 billion to support the development of micro, small, and medium enterprises (UMKM).
This performance is reflected in Rasio Pembiayaan Inklusif Makroprudensial (RPIM) which reached 6.97 percent, exceeding the company's internal target.
Not only focusing on financing, DBS Indonesia also expands its social impact through various community empowerment programs that have reached more than 141 thousand vulnerable individuals in Indonesia. Since 2024, the company has channeled more than SGD18.2 million to support nonprofits and impactful businesses engaged in meeting basic needs and financial inclusion.
Through the DBS Foundation, the bank also allocated grants worth SGD850 thousand to five social entrepreneurs and Business for Impact (BFI) in Indonesia, namely DoctorTool, Nazava Water Filters, Parongpong RAW Lab, Social Business Indonesia, and Konekin.
In the food security sector, the FEAST! program in Flores, East Nusa Tenggara, has empowered 40 village cadres through climate-smart agriculture training, financial literacy, family nutrition improvement, and food diversification. Meanwhile, the Food Rescue Warrior program with FoodCycle Indonesia has distributed more than 744,500 servings of food to more than 62,400 beneficiaries while reducing more than 425,600 kilograms of food waste.
Employee participation in social activities also increased. Over the past year, employee volunteer hours grew 12 percent annually to more than 54,800 hours reaching more than 111 thousand individuals. One of the programs carried out was the DBS Foundation Coding Camp with Dicoding involving 146 volunteers to provide skills training to more than 2,700 SMK students and students.
For these initiatives, Bank DBS Indonesia received a number of international awards, including World's Best Bank for Corporate Responsibility 2025 from Euromoney, Best Bank for Sustainable Finance from Global Finance, and retained the title of Best Sustainable Bank from FinanceAsia Awards 2026 for the second year in arow.
The Company also won the Project Finance House of the Year and Project Finance Advisory House of the Year awards in Indonesia at the Triple A Sustainable Infrastructure Awards 2026, as well as receiving recognition for Best Corporate Sustainability Initiatives Awards from MIX Magazine.
“With the support of all stakeholders, we are optimistic that we can continue to be a trusted partner for customers, employees, and the community, while creating long-term sustainable value,” concluded Lim Chu Chong.
