BSI Financing Surges 13.37%, Strengthens ESG Leadership with Green Zakat Program
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JAKARTA, investortrust.id — PT Bank Syariah Indonesia Tbk, Indonesia’s largest Islamic bank by assets, records a 13.37 percent surge in financing to Rp 296 trillion as of August, far surpassing the industry’s average credit growth of 7 to 8 percent.
President Director Anggoro Eko Cahyo says the strong performance reflects prudent risk management and robust funding growth across retail and corporate segments.
“The high financing growth has been accompanied by prudence, as shown by our ability to reduce non-performing financing to 1.86 percent, slightly down by 0.11 percent,” Anggoro said during a meeting with the Editors Forum on Friday, Oct 17, 2025.
BSI’s total assets stood at Rp 399 trillion, growing 11 percent year on year. The bank mobilized third-party funds amounting to Rp 330 trillion, also up 11 percent, supported by low-cost deposits or CASA that reached Rp 199 trillion, up 6.11 percent. Its net profit rose 7.72 percent to Rp 4.82 trillion as of August.
Digital transformation continues to accelerate BSI’s growth. The Byond superapp has attracted 8.79 million users, an increase of 14 percent since the start of the year. The bank operates 5,777 ATMs and serves 23,602 merchants through EDC terminals, while QRIS is available at 513,000 merchants nationwide.
According to Anggoro, BSI now serves 22.46 million customers, including 73,000 priority clients. It operates 1,030 branch offices and is supported by 125,000 banking agents across Indonesia.
BSI is also expanding its gold-based services such as gold installment and pawn products, which have become increasingly popular amid the rising global gold price trend. “Gold has proven to be a lucrative and safe investment instrument for our customers,” Anggoro said.
The bank recently received Rp 10 trillion in government liquidity funds as part of Rp 200 trillion redeployed from Bank Indonesia. Anggoro emphasized that the additional funds would strengthen the banking system’s financing-to-deposit ratio and be directed toward priority sectors, especially the real economy.
“With professional human resources and strong IT systems, BSI will continue to channel financing to productive sectors that contribute to economic growth,” he added.
BSI has received multiple international recognitions, including Best Shariah Custodian Bank in Indonesia 2023 and Best Islamic Custody Bank 2024 from Alpha Southeast Asia magazine.
Its commitment to sustainability was reaffirmed through the Green Zakat initiative, which earned the bank the “Empower Vulnerable Community” award in the social pillar category at the ESG Now Awards 2025 organized by Republika. The award was presented to Vice President Director Bob Tyasika Ananta at Hotel Borobudur Jakarta.
“This recognition proves BSI’s dedication to being not only a financial partner but also a social and spiritual companion for the community,” Bob said in a statement on Saturday, Oct 18, 2025.
The Green Zakat program has been implemented in Desa Mattaro Adae and Kelurahan Barrang Caddi, where it empowers local communities, strengthens the village economy, and promotes independence and sustainability. The initiative integrates zakat management with climate action and the UN Sustainable Development Goals (SDGs).
BSI established a dedicated ESG unit reporting directly to the Vice President Director to ensure sustainability integration in all business processes. As of June 2025, the bank’s sustainable financing reached Rp 72.8 trillion, up 9.56 percent year on year, consisting of Rp 57.5 trillion in social financing and Rp 15.3 trillion in green financing.
The bank also topped the global Islamic bank ranking in Bloomberg’s ESG Score in July 2025 and actively promoted the Green Zakat concept in international forums, including at the United Nations headquarters in New York. In collaboration with Baznas and UNDP, BSI aims to mobilize trust-based finance to accelerate the SDGs and climate goals.
“We believe that Sharia principles are closely aligned with ESG values. BSI will continue to innovate to create products and programs that deliver not only financial returns but also positive environmental and social impact,” Bob added.
By June 2025, BSI had distributed zakat, infaq, and waqf funds under five pillars — economic empowerment, education, humanitarian aid, healthcare, and advocacy — benefiting more than 240,000 people and 3,193 institutions.
Through these initiatives, BSI continues to strengthen its role as a driver of sustainable Islamic finance and a key contributor to Indonesia’s inclusive economic transformation.