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SUSTAINABILITY SUKUK
REPORT JANUARI 2025
PT BANK SYARIAH INDONESIA Tbk
Page 2
Page 3
Table of Content
Introduction 2
Summary of Framework and Issuance of BSI Sustainability Sukuk 3
Allocation Report 7
Impact Report 9
Conclusion 11
Sustainability Sukuk Report
January 2025
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INTRODUCTION
Introduction
PT Bank Syariah Indonesia Tbk (BSI), as the largest Islamic bank Social Responsibility (CSR) programs. These efforts are expected
in Indonesia, continues its efforts in developing sustainable to benefit society inclusively while educating employees to
business sectors. This is carried out through the implementation prioritize sustainable finance principles in banking operations.
of environmentally friendly business activities, including (1)
providing green financing programs, (2) environmentally BSI is committed to implementing sustainable finance policies
friendly banking operations, and (3) the application of a green in its business activities as an effort to improve the quality of
economy based on the regulations of the Financial Services life within the Islamic financial ecosystem. As a manifestation
Authority (OJK). In terms of social business activities, since its of this commitment, BSI has pioneered Islamic sustainable
establishment in 2021, BSI has focused on developing financing finance activities in Indonesia by issuing the Sustainability-Based
for Islamic micro, small, and medium enterprises (MSMEs). Mudharabah Sukuk I Bank BSI Phase I 2024 (Sustainability
Sukuk) worth IDR 3 trillion in June 2024 to support financing
BSI implements programs to achieve sustainable business that will help create a more environmentally conscious Indonesia
activity goals in line with the bank's Sustainable Finance Action in the future.
Plan (RAKB) document. These programs include efforts to
provide Islamic sustainable financial products and services The initiative to issue this Sustainability Sukuk aligns with POJK
tailored to market needs in Indonesia. BSI is committed to Number 18 of 2023 concerning the Issuance and Requirements
becoming one of the top 5 banks providing sustainable financial of Debt Securities and Sustainability-Based Sukuk, issued on
products and services while continuously developing Corporate October 10, 2023.
Sustainability Sukuk Report
2 January 2025
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SUMMARY OF FRAMEWORK
AND ISSUANCE OF BSI SUSTAINABILITY SUKUK
Summary of Framework
and Issuance of BSI Sustainability Sukuk
A. BSI Sustainability Sukuk Framework
Before issuing the Sustainability Sukuk in June 2024, BSI of the Indonesian Financial Services Authority Regulation
had developed the Sustainability Sukuk Framework, which (POJK) Number 18 of 2023 concerning the Issuance and
received a "Green/Sustainable" opinion from the SDGs Hub Requirements of Debt Securities and Sustainability-Based
at the University of Indonesia. The alignment process of the Sukuk.
Sustainability Sukuk framework refers to the provisions
Below is a summary of the Sustainability Sukuk Framework:
Use of Proceeds from the Issuance
Environmentally Friendly Business Activities (KUBL)
Renewable Energy Environmentally Friendly Transportation
Energy Efficiency Sustainable Water and Wastewater Management
Pollution Prevention and Control Climate Change Adaptation
Sustainable Natural Resource Management Products That Reduce Resource Use and Pollution
and Land Use (Eco-efficient)
Conservation of Land and Marine Biodiversity Environmentally Friendly Buildings
Socially Oriented Business Activities (KUBS)
Affordable Basic Infrastructure Services
Job Creation
in Terms of Access and Price
Access to Essential Services Food Security and Sustainable Food Systems
Affordable Housing Socio-Economic Improvement and Empowerment
Sustainability Sukuk Report
January 2025
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SUMMARY OF FRAMEWORK
AND ISSUANCE OF BSI SUSTAINABILITY SUKUK
Evaluation and Selection Process of BSI Sustainability Sukuk Projects
The selection process is carried out using a Two-Step Approach as follows:
First Second
Step Step
Financing Determination Project Selection
by the Relevant Business Unit and Evaluation Process
The initial assessment process of existing The process of setting parameters, selecting, and
financing categories or new financing within the evaluating potential projects as the underlying
categories of Environmentally Friendly Business assets for Sustainability Sukuk through the
Activities (KUBL) and Socially Responsible Business Committee (Kombis) mechanism.
Business Activities (KUBS). Referring to OJK Regulation Number
1. KUBL Portofolio
Corporate Financing
2. KUBS Portofolio
Corporate, Commercial, Consumer, Small and
Medium Enterprise (SME), and Micro Financing
The feasibility assessment of new financing is processed in accordance with the bank’s internal policies
based on financing segmentation.
B. Management of Funds Obtained from the Issuance of BSI Sustainability Sukuk
The management of funds from the issuance of BSI Sustainability Sukuk is handled by three (3) work units with the following descriptions:
Treasury and Corporate Finance Operations
Global Market Group Accounting Group Development Group
• Manages the distribution of profit- • Calculates Sukuk returns on a monthly • Processes the monthly accrual of profit-
sharing and principal payments for the basis. sharing reserves.
Sustainability Sukuk. • Establishes periodic monthly reserves • Executes the payment of profit-sharing
• Ensures the allocation of Sustainability for Sukuk returns. and/or principal of Sustainability Sukuk
Sukuk funds complies with • Recapitulates the calculation of to KSEI before the due date.
predetermined criteria. Sustainability Sukuk profit-sharing.
• Ensures the availability of underlying
financing for KUBL and KUBS until the
Sukuk matures.
Sustainability Sukuk Report
4 January 2025
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SUMMARY OF FRAMEWORK
AND ISSUANCE OF BSI SUSTAINABILITY SUKUK
C. Sustainability Sukuk BSI Reporting
Allocation Report
BSI will issue the Sustainability Sukuk report annually, no later than one year after the funds from the initial issuance are received
by BSI, to provide transparency to investors and regulators regarding the implementation of the Framework.
Impact Report
BSI will publish a report on the environmental and/or social impact of the eligible assets financed through the issued Sustainability
Sukuk. The quantitative positive impacts in the Sustainability Sukuk BSI report include the following indicators:
Green Category
Type of KUBL Indicator
1. Estimated annual renewable energy generation in MWh/GWh (electricity).
Renewable Energy 2. Estimated annual reduction/avoidance of Greenhouse Gas emissions in CO2 equivalent tons.
3. Installed renewable energy capacity in MW.
1. Estimated annual energy savings in MWh/GWh (electricity) and GJ/TJ (other energy).
Energy Efficiency
2. Estimated annual reduction/avoidance of Greenhouse Gas emissions in CO2 equivalent tons.
Pollution Prevention and Control Total tons or m³ of waste prevented, reduced, recycled, and reused.
Sustainable Natural Resource Management 1. Estimated 14 of protected and/or certified asyara
and Land Use 2. Estimated number of trees planted in FSC/PEFC-certified reforestation projects.
Conservation of Land and Marine 1. Estimated number of protected and/or certified nautical miles.
Biodiversity 2. Estimated hectares acquired/protected and certified.
1. Estimated annual reduction/avoidance of Greenhouse Gas emissions in CO2 equivalent tons.
2. Number of eco-friendly vehicles introduced.
Environmentally Friendly Transportation
3. Estimated kilometers of new or upgraded railway lines, dedicated bus lanes, BRT corridors, LRT
lines, and bicycle lanes.
1. Reduction of water consumption in economic activities.
2. Wastewater treated according to appropriate standards, percentage of total waste prevented,
Sustainable Water and Wastewater
minimized, reused, or recycled.
Management
3. Absolute water usage per year before and after project implementation.
4. Population with access to clean drinking water.
Climate Change Adaptation Number of new facilities, systems, and equipment used to support climate resilience.
1. Amount of recycled waste.
Products That Reduce Resource Use and
2. Estimated annual reduction/avoidance of Greenhouse Gas emissions in CO2 equivalent tons.
Pollution (Eco-efficient)
3. Number of environmentally friendly buildings with green building certifications.
Green Buildings Meeting National,
1. Estimated annual reduction/avoidance of Greenhouse Gas emissions in CO2 equivalent tons.
Regional, or International Standards or
2. Percentage of energy use reduced/avoided.
Certifications
Sustainability Sukuk Report
January 2025
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SUMMARY OF FRAMEWORK
AND ISSUANCE OF BSI SUSTAINABILITY SUKUK
Social Category
KUBS Indicator
Affordable Basic Infrastructure Services in
Number of households with access to road networks, electricity, water, and sanitation services.
Terms of Access and Price
1. Number of community service facilities funded.
2. Number of people with access to affordable healthcare services.
Access to Essential Services
3. Number of community facilities financed.
4. Number of students assisted.
Affordable Housing Number of low-income community groups receiving financial assistance for affordable housing.
Job Creation and Programs Designed to
1. Number of MSMEs receiving financing.
Prevent and/or Reduce Unemployment,
2. Number of workers from MSMEs receiving financing.
Including Small, Medium, and Micro
3. MSME financing portfolio based on sector distribution.
Business Financing
1. Total land area in km² and percentage growth of land or areas used for environmentally friendly
Food Security and Sustainable Food agriculture or food production.
Systems 2. Number of MSMEs engaged in sustainable and/or environmentally friendly food system
management and processing.
Socio-Economic Development and
Number of MSMEs or individuals financed through the KUR program.
Empowerment
Other Socially Oriented Business Activities
Providing positive social impacts based on POJK parameters or other relevant regulations.
and/or Initiatives
D. Issuance of BSI Sustainability Sukuk
PT Bank Syariah Indonesia Tbk (BSI) has issued Mudharabah The issuance of the Sustainability Sukuk provides several
Sustainability Sukuk I Bank BSI Phase I Year 2024 milestones for BSI, including the following:
(Sustainability Sukuk) on June 14, 2024, with a total nominal • The first Sustainability Sukuk issuance conducted by a
principal amount of IDR 3.000.000.000.000 (three trillion Bank in Indonesia.
rupiah), consisting of 3 (three) series with different tenors: • BSI Sustainability Sukuk was in demand by investors
Series A for a tenor of 370 days, Series B for a tenor of 2 during bookbuilding, as evidenced by an oversubscription
years, and Series C for a tenor of 3 years. of 3 (three) times.
BSI Sustainability Sukuk Structure
Instrument Name : Mudharabah Sustainability Sukuk I Bank BSI Phase I Year 2024
Contract Structure : Mudharabah
Currency : Issued in Rupiah
IDR3.000.000.000.000,- (three trillion rupiah)
• Series A : 370-day tenor IDR1.700.000.000.000,- equivalent to 6,65% pa.
Total Issuance : • Series B : 2-year tenor IDR220.000.000.000,- equivalent to 6,70% pa.
• Series C : 3-year tenor IDR1.080.000.000.000,- equivalent to 6,80% pa.
• Series A : June 24, 2025
Maturity Date : • Series B : June 14, 2026
• Series C : June 14, 2027
Rating : idAAA(sy) Pefindo Final Rating
Allocation of financing funds for Environmentally Friendly Business Activities (KUBL) and Socially
Use of Proceeds : Oriented Business Activities (KUBS)
Listing : PT Indonesia Stock Exchange
Sustainability Sukuk Report
6 January 2025
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ALLOCATION
REPORT
Allocation
Report
As of the end of December 2024, BSI has fully allocated (100%) the provisions of the Financial Services Authority Regulation
the funds from the issuance of the Sustainability Sukuk. The (POJK) Number 18 of 2023 on the Issuance and Requirements
total funds from the issuance have been distributed across 3 of Sustainable Debt Securities and Sukuk, issued on October 10,
(three) out of 10 (ten) categories of Environmentally Friendly 2023.
Business Activities (KUBL) and 4 (four) out of 6 (six) categories
of Socially Responsible Business Activities (KUBS) based on the The details of the allocation of funds from the issuance of the
BSI Sustainability Sukuk issuance framework, which refers to Sustainability Sukuk are as follows:
Sustainable Category Financing Segment Category
4%
25%
60% 40% 40%
31%
Socially Oriented Business Environmentally Oriented Small and Medium
Corporate Commercial Micro
Activities Business Activites Enterprise (SME)
The description of fund distribution by financing segment based on the underlying Sukuk, referring to the Financial Services Authority
Regulation (POJK) period 2024, is outlined as follows:
In IDR
A. Socially Oriented Business Activities (KUBS)
1. Access to Essential Services 1,124,845,667,482
Job Creation and Programs Designed to Prevent and/or Reduce Unemployment, including financing
2. 383,961,326,807
for small, medium, and micro enterprises
3. Food Security and Sustainable Food Systems 173,054,629,439
4. Socio-Economic Improvement and Empowerment 105,372,586,056
Total KUBS 1,787,234,209,784
B. Environmentally Oriented Business Activities (KUBL)
1. Products That Reduce Resource Use and Generate Less Pollution (Eco-Efficient) 763,967,438,036
2. Renewable Energy 422,335,787,085
3. Sustainable Water and Wastewater Management 26,462,565,095
Total KUBL 1,212,765,790,216
Sustainability Sukuk Report
January 2025
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ALLOCATION
REPORT
The description of financing distribution refers to the Sustainable Development Goals (SDGs) and the BSI Sukuk Sustainability
Framework, as outlined below:
Key Sustainable Development
Eligible Financing Categories Funded by the Bank
Goals (SDGs)
Products That Reduce Resource Use and Generate Less Pollution (Eco-Efficient)
Financing provided to the Corporate segment using a Musyarakah contract for industries that have generated
less pollution (eco-efficient) through the introduction of environmentally friendly products with eco-labels
or environmental certifications, as well as resource-efficient packaging and distribution. Financing recipients
include paper processing companies and fertilizer industry companies.
Renewable Energy
Financing provided to the Corporate segment using a Musyarakah contract for the renewable energy power
generation industry. Financing recipients include mini-hydro power generation companies.
Sustainable Water and Wastewater Management
Financing provided to the Corporate segment using a Musyarakah contract for the sustainable water and
wastewater management industry. Financing recipients include water processing and supply companies.
Access to Essential Services
Financing provided to the Commercial and Small and Medium Enterprise (SME) segments using a Musyarakah
contract aimed at ensuring equal access to healthcare, medical treatment, and business activities related to
education. Financing recipients include hospitals, foundations engaged in the health sector, pharmaceutical
and medical equipment companies, universities, community empowerment foundations, Islamic boarding
schools (pesantren), and educational institutions.
Job Creation and Programs Designed to Prevent and/or Reduce Unemployment, Including Financing for
Small and Medium Enterprises
This refers to the disbursement of financing in the Commercial, Consumer, and Small and Medium Enterprise
(SME) segments using the Musyarakah contract, aimed at job creation and reducing unemployment.
Food Security and Sustainable Food Systems
This involves the disbursement of financing in the Commercial and Small and Medium Enterprise (SME)
segments using the Musyarakah contract to support food security and sustainable food systems. Beneficiaries
of this financing include food processing companies and food trade enterprises.
Socio-Economic Development and Empowerment
This entails the disbursement of financing in the Commercial, Small and Medium Enterprise (SME), and Micro
segments using the Musyarakah contract, aimed at ensuring equal access to and control over assets, services,
resources, and opportunities, as well as equitable participation and integration into markets and society. The
financing is specifically targeted at the needs of micro, small, and medium enterprises.
Sustainability Sukuk Report
8 January 2025
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IMPACT
REPORT
Impact
Report
The estimated environmental and social impacts of eligible financing, which includes financing from the proceeds of the Sustainability
Sukuk issuance, are described as follows:
%
Composition Financing
No Financing Category Description & Impact Indicator
of Underlying Segment
Sukuk
1. Access to Essential Services 37.49% Financing in the Financing Disbursement in the Commercial and Small and Medium
Commercial and Enterprise (SME) Segments Using the Musyarakah Contract,
Small and Medium Specifically for Business Activities Providing (1) Healthcare Access
Enterprise (SME) and (2) Education.
segment with The outcomes of the financing disbursement can be summarized as
Musyarakah follows:
contract a. The number of institutions that have received financing facilities
totals 152, consisting of 74 educational institutions, ranging
from kindergarten (TK), elementary school (SD), Islamic junior
high school (MTs), junior high school (SMP), senior high school
(SMA), universities, and other educational facilities, as well as
78 healthcare institutions, including hospitals, clinics, and other
healthcare facilities.
b. The estimated number of people benefiting from healthcare
services access is approximately 168.032 individuals per month.
c. The estimated number of students or education facility
beneficiaries as of December 2024 is approximately 80.222
students.
2. Job Creation and Programs 12,80% Financing in the Financing Disbursement in the Commercial and Small and Medium
Designed to Prevent and/ Commercial, and Enterprise (SME) Segments Using the Musyarakah Contract for
or Reduce Unemployment Small and Medium Business Activities Creating Job Opportunities in Agriculture,
including Small, Medium, Enterprise (SME) Processing, Trade, and Service Sectors. The details are as follows:
and Microfinance Business segments, with a. The financing was distributed to 77 micro, small, and medium
Financing Musyarakah enterprises (MSMEs).
contract b. The projected number of employees hired as a result of the
financing disbursement as of December 2024 is approximately
1,914 people.
c. The total financing portfolio allocated for job creation and
programs to prevent and/or reduce unemployment amounts to
Rp.383.961.326.807, consisting of Rp 81.752.687.673 for the
Commercial sector and Rp 302.208.639.134 for the Small and
Medium Enterprise (SME) sector.
3. Food Security and 5,77% Financing in the Financing Disbursement in the Small and Medium Enterprise (SME)
Sustainable Food Systems Small and Medium Segment Using the Musyarakah Contract, Specifically for Financing
Enterprise (SME) Customers Engaged in Food Supply and Processing.
segment with a. The number of livestock, fisheries, and food processing industry
Musyarakah areas, as well as production capacity as of December 2024, is as
contract follows:
1) Shrimp farming land covering approximately 10 hectares
(equivalent to 0.1 km²) located in Aceh province, with an
estimated production capacity of 4.6 million tons of shrimp per
year.
2) Layer chicken farming land covering approximately 7 hectares
(equivalent to 0.07 km²) located in West Sumatra province, with
an estimated production capacity of 1.2 tons per month.
3) Cooking oil processing land covering approximately 10 hectares
(equivalent to 0.1 km²) located in East Java province, with an
estimated production capacity of 72,000 liters of cooking oil.
b. The estimated number of MSMEs engaged in fisheries, layer chicken
farming, and cooking oil management is more than 100.
Sustainability Sukuk Report
January 2025
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IMPACT
REPORT
%
Composition Financing
No Financing Category Description & Impact Indicator
of Underlying Segment
Sukuk
4. Socio-economic 3,51% Financing in a. Financing Disbursement in the Micro Segment Through BSI
Improvement and Micro segment Usaha Mikro (BUM) and Micro Business Loan (KUR) Using the
Empowerment with Musyarakah Musyarakah Contract
contract b. Financing was provided to 557 recipients, consisting of 209 NOA
(Number of Accounts) under BSI Usaha Mikro (BUM) and 348 NOA
under Micro Business Loan (KUR).
5. Renewable Energy 14,08% Financing in the Financing Disbursement for One Mini Hydro Power Plant (PLTMH)
Corporate segment and One Hydroelectric Power Plant (PLTA) with the following details:
with Musyarakah a. Estimated annual renewable energy generation in MWh/GWh
contract (electricity) is as follows:
1) The Mini Hydro Power Plant (PLTMH) located in Bengkulu
province is expected to generate approximately 63,955 MWh of
electricity per year.
2) The Hydroelectric Power Plant (PLTA) located in Bengkulu
province is expected to generate approximately 84,519 MWh of
electricity per year.
b. Estimated annual reduction/avoidance of greenhouse gas
emissions in tons of CO2 equivalent is as follows:
1) The Mini Hydro Power Plant (PLTMH) located in Bengkulu
province is expected to reduce annual greenhouse gas emissions
by 56,920 tons of CO2/MWh-equivalent per year.
2) The Hydroelectric Power Plant (PLTA) located in Bengkulu
province is expected to reduce annual greenhouse gas emissions
by 75,222 tons of CO2/MWh-equivalent per year.
c. Installed renewable energy capacity in MW is as follows:
1) The Mini Hydro Power Plant (PLTMH) located in Bengkulu
province has an installed capacity of 3 x 3.33 MW.
2) The Hydroelectric Power Plant (PLTA) located in Bengkulu
province has an installed capacity of 4 x 4 MW.
6. Sustainable Water and 0.88% Financing in the a. Financing distribution to 2 (two) companies with water supply
Wastewater Management Corporate segment system business activities.
with Musyarakah b. The amount of water distributed is estimated at 13,564 cubic
contract meters/day or 157 liters/second.
c. The number of houses served by the water supply installation
is estimated at 28,210 houses. With these assumptions, it is
estimated that the installation can meet the needs of 84,630
people.
7. Products That Can Reduce 25.47% Financing in the a. Financing disbursement in the Corporate segment using the
Resource Consumption and Corporate segment Musyarakah contract for customers whose business processes
Generate Less Pollution with Musyarakah already incorporate resources and technology to generate less
(Eco-Efficient) contract pollution (eco-efficient). The financing was provided to two
customers, one in the paper processing industry located in South
Sumatra province and the other in the fertilizer industry located in
Aceh province.
b. The types of renewable energy used by the paper processing
company include Wind Power Plants (PLTB) and Solar Power
Plants (PLTS).
c. The estimated reduction in hazardous waste accumulation from
the operational processes of the fertilizer plant is 37.65 tons per
year.
d. The estimated annual greenhouse gas emissions avoided amount
to 45,149,820,294 tons CO2 equivalent, consisting of 12,541,621
tons CO2 equivalent from the paper processing company and
19,814 tons CO2 equivalent from the fertilizer industry.
e. Currently, neither of the two customers has buildings certified as
green buildings.
Sustainability Sukuk Report
10 January 2025
Page 13
CONCLUSION
Conclusion
PT Bank Syariah Indonesia Tbk (BSI) recognizes the importance decarbonization and help transform their operations into more
of integrating sustainability values into the Bank's vision and responsible, environmentally friendly businesses with a lower
mission. By applying Environmental, Social, and Governance carbon footprint.
(ESG) principles in its business activities, BSI aspires to contribute
to sustainable economic growth. As part of our commitment to contributing more to sustainable
economic growth and ensuring accountability for the issued
As a key driver of sustainable finance in Indonesia’s Islamic Sustainability Sukuk, BSI will continue to conduct monitoring
finance industry, BSI continuously strives to promote sustainable to ensure transparency in fund utilization and the credibility
Islamic financial practices, including efforts to support a low- of annual reports. Finally, to guarantee the credibility of the
carbon economy. This commitment is demonstrated through Sustainability Sukuk Report, BSI has appointed SDGs Hub
BSI’s support for customers operating in carbon-intensive Universitas Indonesia to provide an independent external review.
sectors by providing financial solutions that encourage
Sustainability Sukuk Report
January 2025
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Appendix
Appendix 1. Key Calculation Assumptions
KUBL/KUBS Category Project Type Data Assumptions
Renewable Energy Mini Hydro Power Plant The calculation of the minimum Greenhouse Gas (GHG) emissions avoided is based on
(MHP) and Hydro Power publicly available assumptions as follows:
Plant (PLTA) a. The Mini Hydro Power Plant (PLTMH) located in Bengkulu Province uses the 2019
Electricity Emission Factor from the Ministry of Energy and Mineral Resources
(ESDM) of 0.89. With an energy output of 63,955 MWh, the estimated GHG
emissions reduced/avoided amount to 56,920 tons of CO² equivalent per year.
b. The Hydropower Plant (PLTA) located in Bengkulu Province also uses the 2019
Electricity Emission Factor from ESDM of 0.89. With an energy output of 84,519
MWh, the estimated GHG emissions reduced/avoided amount to 75,222 tons of
CO2 equivalent per year.
Sustainable Water and Drinking water The population with access to clean drinking water is determined based on the number
Wastewater Management management of registered customers recorded by the company.
Products That Can Reduce Pollution Reduction • For the customer engaged in the paper processing industry operating in South
Resource Consumption and Sumatra Province, the emission factor is 0.86, and the energy generated is
Generate Less Pollution (Eco- 52,499,768 gigajoules, equivalent to 14,583,278 watt-hours. As a result, the
Efficient) estimated GHG emissions reduced/avoided amount to 12,541,621 tons of CO2
equivalent.
• For the customer in the fertilizer industry operating in Aceh Province, the types of
fertilizers produced include Urea Fertilizer (CH4N2O) and NPK.
The estimated amount of GHG emissions is calculated by comparing the emissions
under a business-as-usual scenario for similar industries with the actual emissions
recorded at the fertilizer plant. This calculation is conducted by the Indonesian
Classification Bureau (Biro Klasifikasi Indonesia).
The results of the calculation are as follows:
= 839,651 tons of CO2 equivalent – 819,837 tons of CO2 equivalent
= 19,814 tons of CO2 equivalent .
Sustainability Sukuk Report
12 January 2025
Page 15
Drafting
Team
Kemal Aldi Windy Noviar Azelia
Aditya Rahardhika Noermala Yulianti Sarah Yusufa
Abdul Ricky Novreyna Muh Akram
Hamim Chandrawan H Ludmilla Alda Baharuddin
Rizky Saputra Nia Ayu Winda Mega Erri
Nugraha Aditya Anggraeni Permata Fitrawan
Nanda Nana Adriann Greget
Zulkarnain
Putra Suryana Wiryana Kalla Buana
Sustainability Sukuk Report
January 2025
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SUSTAINABILITY SUKUK REPORT JANUARY 2025 Kontak BSI Call - 14040 Telp. 62081584114040 contactus@bankbsi.co.id Bank Syariah Indonesia @banksyariahindonesia Bank Syariah Indonesia bankbsi_id
Names mentioned 8 people and organisations named in the text · linked when the evidence is strong
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p.8 ×2
unresolved
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PT Indonesia Stock Exchange
p.8
unresolved
org
PT Indonesia Stock Exchange Sustainability Sukuk
p.8
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org
Bank Goals
p.10
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org
Ministry of Energy and Mineral Resources
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