Environmental Friendly Business Activities
Enhancing the Sustainable Finance Portfolio
Total Sustainable Financing Portfolio Rp255 trillion, increased 11.7% compared to last year's Rp229 trillion. This achievement is higher than the KKUB target of 6%. Sustainable Financing portfolio consists of green financing at 44.3% and MSMEs portfolio at 55.7%. Total Sustainable financing portfolio is equivalent to 25.8% of the bank's total portfolio in 2025.
Green Financing Portfolio
Rp113 trillion
↑ 14,5% YoY
MSMEs Portfolio
Rp142 trillion
↑ 9,6% YoY of the total composition of the KKUB Outstanding Portfolio
Outstanding Financing with SLL Scheme
BCA has also developed a Sustainability Linked Loan (SLL) scheme. Under this SLL scheme, BCA collaborates with debtors to established Key Performance Indicators (KPIs) and Sustainability Performance Targets (SPTs) that are aligned with the debtors' main business operation. With this scheme, debtors will receive incentives if they meet a series of agreed SPTs.
Rp2,6 trillion
Rp1 trillion
Financing for Environmentally Sustainable Business Activities
Renewable Energy
Energy Efficiency
Pollution Prevention and Control
Sustainable Natural Resources and Land Use
Eco-Efficient Products
Sustainable Transportation
Green Building
Sustainable Water and Wastewater Management
In credit application process, BCA has implemented several policies and procedures to ensure that business activities are in line with financing responsible by:
- Implementing sectoral credit policies for sectors that have the potential for high risk of environmental damage.
- Issuing an exclusion list as a risk appetite guideline while still considering the risk aspects of each sector.
Electric Vehicle (EV) Financing
Green Financing
BCA supports transition to low-carbon transportation through the financing of electric vehicles (EV) in 2025 amounting to Rp 3.609 billion, an increase of around 53.7% compared to the previous year.
