Bank DBS Indonesia: sustainability should be reflected in how banks provide financing, operate, and create impact | Bahasa
Indonesia, 25 May 2026 - Sustainability is increasingly gaining attention from both the global and Indonesian financial sectors. The Financial Services Authority (OJK) noted that the value of loans and financing provided by commercial banks for environmentally friendly business activities stood at more than Rp2,000 trillion by the end of 2025. This trend reflects the growing need for sustainable financing, more adaptive risk management, and responsible business practices across different industrial sectors.
In light of these developments, Bank DBS Indonesia sees sustainability as more than just a complement to its business strategy or corporate social responsibility programmes. Instead, this principle has become an integral part of how the bank makes decisions, disburses financing, manages risk, builds its operations, and creates long-term impact for society and the environment. In its 2025 Sustainability Report, Bank DBS Indonesia outlines the implementation of this strategy through three key pillars: Responsible Banking, Responsible Business Practices, and Impact Beyond Banking. This approach is aligned with the company's efforts to support more inclusive and sustainable economic growth.
President Director of PT Bank DBS Indonesia Lim Chu Chong said, “At Bank DBS Indonesia, we believe sustainability is inseparable from quality business growth. Therefore, we have integrated sustainability across all of Bank DBS Indonesia’s operations, from financing businesses and serving customers to managing risks and strengthening corporate operations. For Bank DBS Indonesia, being a relevant bank in the future means fully contributing to creating a more resilient and inclusive future. This report demonstrates how the commitment has been translated into concrete actions, ranging from sustainable financing and stronger governance and security to community empowerment.”
What are the key highlights of Bank DBS Indonesia’s Sustainability Report?
Bank DBS Indonesia highlights its commitment to driving responsible transformation and creating long-term impact through three main pillars: Responsible Banking by promoting sustainable and inclusive finance, Responsible Business Practices through the integration of sustainability into operations and governance, and Impact Beyond Banking through community empowerment and support for social progress. By implementing this strategic approach, Bank DBS Indonesia continues to strengthen its role in advancing sustainable growth.
Bank DBS Indonesia’s long-standing commitment to sustainability has also received broad recognition. Consistently, Bank DBS Indonesia has received numerous prestigious awards that reflect its leadership and dedication to responsible banking practices while creating meaningful impact for communities.
Learn more about DBS Bank Indonesia’s sustainability initiatives and how you can be part of an inclusive future with DBS Foundation in the Sustainability Report.
About DBS
DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. The bank's "AA-" and "Aa1" credit ratings are among the highest in the world.
Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 17 consecutive years from 2009 to 2025.
DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets.
Established in 1989 as part of the Singapore-based DBS Group, PT Bank DBS Indonesia (Bank DBS Indonesia) is one of the banks with the longest history in Asia. Currently operating 1 Operational Head Office, 13 Branch Offices, 14 Sub-Branch Offices, 32 ATMs spread across major cities and 2.861 active employees in 15 major cities in Indonesia, Bank DBS Indonesia provides comprehensive banking services that focus on the customer experience to 'Live more, Bank less'. We also see a purpose beyond banking and are committed to supporting our customers, employees, and the community towards a sustainable future.
PT Bank DBS Indonesia is licensed and supervised by The Indonesian Financial Services Authority (OJK), and an insured member of Indonesia Deposit Insurance Corporation (LPS).
DBS is committed to building lasting relationships with customers, as it banks the Asian way. Through the DBS Foundation, the bank creates impact beyond banking by uplifting lives and livelihoods of those in need. It provides essential needs to the underprivileged, and fosters inclusion by equipping the underserved with financial and digital literacy skills. It also nurtures innovative social enterprises that create positive impact.
With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities. For more information, please visit www.dbs.com.
About DBS Foundation
Established in 2014, DBS Foundation is committed to uplifting lives and livelihoods of those in need. It provides essential needs to the underprivileged, and fosters inclusion by equipping the underserved with financial and digital literacy skills. It also nurtures innovative social enterprises that create positive impact. It aims to bring hope to those with less today, so no one is left behind and we can all face the future with confidence.
In 2024, DBS committed up to SGD 1 billion dollars over the next decade to support vulnerable communities. It also pledged to contribute 1.5 million employee volunteer hours over the same period.
Together with an ecosystem of like-minded partners, DBS Foundation seeks to create impact that goes beyond banking, beyond borders, and beyond generations.
For more information, please visit: www.dbs.com/dbsfoundation.
In light of these developments, Bank DBS Indonesia sees sustainability as more than just a complement to its business strategy or corporate social responsibility programmes. Instead, this principle has become an integral part of how the bank makes decisions, disburses financing, manages risk, builds its operations, and creates long-term impact for society and the environment. In its 2025 Sustainability Report, Bank DBS Indonesia outlines the implementation of this strategy through three key pillars: Responsible Banking, Responsible Business Practices, and Impact Beyond Banking. This approach is aligned with the company's efforts to support more inclusive and sustainable economic growth.
President Director of PT Bank DBS Indonesia Lim Chu Chong said, “At Bank DBS Indonesia, we believe sustainability is inseparable from quality business growth. Therefore, we have integrated sustainability across all of Bank DBS Indonesia’s operations, from financing businesses and serving customers to managing risks and strengthening corporate operations. For Bank DBS Indonesia, being a relevant bank in the future means fully contributing to creating a more resilient and inclusive future. This report demonstrates how the commitment has been translated into concrete actions, ranging from sustainable financing and stronger governance and security to community empowerment.”
What are the key highlights of Bank DBS Indonesia’s Sustainability Report?
Bank DBS Indonesia highlights its commitment to driving responsible transformation and creating long-term impact through three main pillars: Responsible Banking by promoting sustainable and inclusive finance, Responsible Business Practices through the integration of sustainability into operations and governance, and Impact Beyond Banking through community empowerment and support for social progress. By implementing this strategic approach, Bank DBS Indonesia continues to strengthen its role in advancing sustainable growth.
- Responsible Banking: Advancing Sustainable and Inclusive Finance
Bank DBS Indonesia has demonstrated strong leadership in sustainable finance. The bank reached an important milestone in 2025, with a sustainable business activities financing portfolio (“Sustainable Business Activities Category” or “KKUB”), net of repayments, exceeding IDR15.6 trillion, up from IDR14.1 trillion in 2024. This significant increase in the sustainable business activities financing portfolio reflects Bank DBS Indonesia’s strong commitment to channeling funds to businesses that actively contribute to a greener and more equitable economy in Indonesia.
Key achievements in 2025 include:- ESG Loans in the MSME Segment: Demonstrating its strong commitment to financial inclusion, Bank DBS Indonesia disbursed more than IDR3.8 trillion in cumulative financing to low-income individuals through trusted ecosystem lending partners. In addition, Bank DBS Indonesia empowered MSMEs through outstanding working capital loans amounting to IDR70 billion. This commitment was further reflected in its Macroprudential Inclusive Financing Ratio (Rasio Pembiayaan Inklusif Makroprudensial/RPIM), which stood at 6.97%, surpassing the internal benchmark set by Bank DBS Indonesia.
- Strengthening Participation in the Debt Capital Market: Demonstrating Bank DBS Indonesia’s commitment to sustainable investment through a diverse range of ESG mutual funds and green bonds. In 2025, despite market shifts that caused ESG mutual fund subscriptions to decline to IDR148 billion due to investor preference for short-term stable income products amid uncertainty, Bank DBS Indonesia’s green bond subscriptions strongly surpassed IDR1 trillion. This remarkable figure highlights the strong demand for sustainable fixed-income instruments and reinforces Bank DBS Indonesia’s deep understanding of clients’ needs in navigating complex market conditions.
- Advocacy and Advisory: Bank DBS Indonesia collaborated with the Ministry of Energy and Mineral Resources (ESDM), PT PLN, the International Energy Agency (IEA), and engaged with more than 50 organisations to support the scaling up of Battery Energy Storage Systems (BESS). The workshop brought together policymakers, regulators, industry players, financiers, and community stakeholders to build a shared understanding of the commercial, technical, and policy pathways required to realise Indonesia’s ambition of deploying more than 10 GW of BESS, in line with the 2025–2034 Electricity Supply Business Plan.
- ESG Loans in the MSME Segment: Demonstrating its strong commitment to financial inclusion, Bank DBS Indonesia disbursed more than IDR3.8 trillion in cumulative financing to low-income individuals through trusted ecosystem lending partners. In addition, Bank DBS Indonesia empowered MSMEs through outstanding working capital loans amounting to IDR70 billion. This commitment was further reflected in its Macroprudential Inclusive Financing Ratio (Rasio Pembiayaan Inklusif Makroprudensial/RPIM), which stood at 6.97%, surpassing the internal benchmark set by Bank DBS Indonesia.
- Responsible Business Practices: Integrating Sustainability into Operational Systems
Bank DBS Indonesia remains committed to integrating sustainability principles through enhanced operational efficiency, inclusive workplace governance, and the creation of long-term value for its internal talent.- Operational GHG Emissions Reduction: Bank DBS Indonesia’s operational energy consumption reached 8,397 MWh and generated Greenhouse Gas (GHG) emissions of 11,528 tCO2e. Comparatively, this reflected a 15% year-on-year reduction in energy consumption and a 17% reduction in total GHG emissions. Furthermore, Bank DBS Indonesia’s renewable energy consumption stood at 213 MWh, complemented by the purchase of 8,500 MWh Renewable Energy Certificates (RECs) to actively support the growth of the renewable energy market, particularly in regions where direct access to green energy remains limited.
- Stronger ESG Governance: For Bank DBS Indonesia, safeguarding customer data remains paramount. Bank DBS Indonesia continues to strengthen its defenses through enhanced fraud monitoring systems, strategic cooling-off periods for high-value transfers, and the implementation of secure new digital tokens supported by a dedicated Anti-Fraud Team with both the expertise and empathy to handle complex cases. Furthermore, Bank DBS Indonesia has extended its commitment beyond technology by actively educating and raising customer awareness through comprehensive campaigns such as “Behind the Scam,” reinforcing its role as a trusted partner in customers’ financial security.
- Employee Training: Demonstrating the commitment to nurturing future-ready talent, Bank DBS Indonesia provided extensive upskilling and reskilling programmes for more than 826 employees in roles impacted by AI transformation. This effort forms part of the company’s broader initiative to strengthen AI proficiency, adaptability, and resilience while empowering employees to grow alongside technological advancements.
- Operational GHG Emissions Reduction: Bank DBS Indonesia’s operational energy consumption reached 8,397 MWh and generated Greenhouse Gas (GHG) emissions of 11,528 tCO2e. Comparatively, this reflected a 15% year-on-year reduction in energy consumption and a 17% reduction in total GHG emissions. Furthermore, Bank DBS Indonesia’s renewable energy consumption stood at 213 MWh, complemented by the purchase of 8,500 MWh Renewable Energy Certificates (RECs) to actively support the growth of the renewable energy market, particularly in regions where direct access to green energy remains limited.
- Impact Beyond Banking: Empowering Communities and Advancing Social Progress
Bank DBS Indonesia continues to create positive impact for communities through various impactful initiatives reaching:- More than 141,000 vulnerable individuals in Indonesia, supported by funding commitments exceeding SGD18.2 million since 2024 to support impact-driven businesses and non-profit organisations focused on basic needs and financial inclusion.
- Humanitarian Crises in Aceh and West Sumatra: Funding exceeding IDR6 billion was allocated to support more than 10,400 individuals and 1,700 families affected by floods and landslides. Through a strategic partnership with Plan Indonesia, DBS Foundation’s local collaborator, Bank DBS Indonesia swiftly delivered aid and actively participated in long-term post-disaster recovery initiatives.
- DBS Foundation has pledged a commitment to providing a total of SGD850,000 in grants to support five social enterprises and Business for Impact (BFI) initiatives in Indonesia. The grant recipients were DoctorTool, Nazava Water Filters, Parongpong RAW Lab, Sosial Business Indonesia, and KONEKIN.
- Focus on ageing society: DBS Foundation organised the “Impact Beyond Dialogue” initiative, focusing on preparedness for an ageing population, which was amplified through various communication channels. Its primary objective was to raise awareness among the public, government, private sector, and other stakeholders, while encouraging collective cross-generational readiness for Indonesia’s demographic transition toward an ageing society.
- Food Security: Through DBS Foundation, Bank DBS Indonesia has significantly advanced food security and sustainability through two key initiatives. The FEAST! Programme, in collaboration with Humanis in Flores, East Nusa Tenggara, empowered 40 village facilitators with essential skills in climate-smart agriculture, gender action learning, financial literacy, family nutrition, and food diversification. Simultaneously, the Food Rescue Warrior Programme, implemented in partnership with FoodCycle Indonesia (FCI), provided more than 744,500 daily meals for over 62,400 individuals and successfully diverted more than 425,600 kilograms of food waste from industry partners.
- Employee Volunteerism: Bank DBS Indonesia’s employee volunteerism increased by 12% year-on-year, delivering more than 54,800 volunteering hours and reaching over 111,000 individuals. This included 146 Bank DBS Indonesia volunteers who delivered essential soft skills training in communication, presentation, and interview preparation to more than 2,700 vocational high school (SMK) students and university students across Indonesia as part of the DBS Foundation Coding Camp Programme held in collaboration with Dicoding.
- More than 141,000 vulnerable individuals in Indonesia, supported by funding commitments exceeding SGD18.2 million since 2024 to support impact-driven businesses and non-profit organisations focused on basic needs and financial inclusion.
Bank DBS Indonesia’s long-standing commitment to sustainability has also received broad recognition. Consistently, Bank DBS Indonesia has received numerous prestigious awards that reflect its leadership and dedication to responsible banking practices while creating meaningful impact for communities.
- Euromoney Awards for Excellence: DBS was recognised as the World’s Best Bank for Corporate Responsibility (2023) and Asia’s Best Bank for Corporate Responsibility (2023, 2025).
- Global Finance Sustainable Finance Awards 2025: DBS was named the Best Bank for Sustainable Finance globally and in Asia, further reinforcing DBS’s position as a leader in advancing green finance. DBS has gained consistent recognition as the Safest Bank in Asia for 15 consecutive years (through 2023) by Global Finance, highlighting the trust and stability DBS brings in delivering sustainable financial solutions.
- Leading ESG Indices and Rankings: DBS’s strong environmental, social, and governance (ESG) performance has consistently been recognised by the Bloomberg Gender-Equality Index, the RobecoSAM Sustainability Award across various ESG categories, and the Dow Jones Sustainability Index Asia Pacific (DJSI Asia Pacific). DBS was also awarded high ratings by CDP for its transparency and actions on climate change.
- KEHATI- ESG Award 2025: At the local level, DBS Bank Indonesia was named Best Lender – Debt & Project Finance Sector, highlighting its direct impact on sustainable financing in the Indonesian market.
Learn more about DBS Bank Indonesia’s sustainability initiatives and how you can be part of an inclusive future with DBS Foundation in the Sustainability Report.
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About DBS
DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. The bank's "AA-" and "Aa1" credit ratings are among the highest in the world.
Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 17 consecutive years from 2009 to 2025.
DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets.
Established in 1989 as part of the Singapore-based DBS Group, PT Bank DBS Indonesia (Bank DBS Indonesia) is one of the banks with the longest history in Asia. Currently operating 1 Operational Head Office, 13 Branch Offices, 14 Sub-Branch Offices, 32 ATMs spread across major cities and 2.861 active employees in 15 major cities in Indonesia, Bank DBS Indonesia provides comprehensive banking services that focus on the customer experience to 'Live more, Bank less'. We also see a purpose beyond banking and are committed to supporting our customers, employees, and the community towards a sustainable future.
PT Bank DBS Indonesia is licensed and supervised by The Indonesian Financial Services Authority (OJK), and an insured member of Indonesia Deposit Insurance Corporation (LPS).
DBS is committed to building lasting relationships with customers, as it banks the Asian way. Through the DBS Foundation, the bank creates impact beyond banking by uplifting lives and livelihoods of those in need. It provides essential needs to the underprivileged, and fosters inclusion by equipping the underserved with financial and digital literacy skills. It also nurtures innovative social enterprises that create positive impact.
With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities. For more information, please visit www.dbs.com.
About DBS Foundation
Established in 2014, DBS Foundation is committed to uplifting lives and livelihoods of those in need. It provides essential needs to the underprivileged, and fosters inclusion by equipping the underserved with financial and digital literacy skills. It also nurtures innovative social enterprises that create positive impact. It aims to bring hope to those with less today, so no one is left behind and we can all face the future with confidence.
In 2024, DBS committed up to SGD 1 billion dollars over the next decade to support vulnerable communities. It also pledged to contribute 1.5 million employee volunteer hours over the same period.
Together with an ecosystem of like-minded partners, DBS Foundation seeks to create impact that goes beyond banking, beyond borders, and beyond generations.
For more information, please visit: www.dbs.com/dbsfoundation.
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Awards
World's Best Bank 2025, 2018 - 2022
Euromoney, Global Finance, The Banker
Asia’s Safest Bank, 2009 – 2025
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