Transformasi Hijau Bank BUMN Indonesia: Implementasi Green Banking 2024–2025

This study aims to analyze the implementation of green banking at BTN, BNI, BRI, and Mandiri during 2024–2025. It employs a descriptive qualitative approach through a documentary study of eight sustainability reports. The analysis compares sustainable financing, financial products and instruments, environmental operations, service digitalization, and sustainability risk governance. The findings indicate that green banking practices reflect each bank’s business characteristics. BTN emphasizes housing finance and low-emission housing development, BNI develops sustainable financing and instruments supporting borrowers’ sustainability transitions, BRI focuses on micro, small, and medium enterprise inclusion, while Mandiri develops corporate financing and sustainable funding. Sustainable financing increased across all four banks, with growth rates of 11.63% for BTN, 3.27% for BNI, 3.39% for BRI, and 7.98% for Mandiri. BRI recorded the largest nominal portfolio, while BTN recorded the highest growth rate. Energy consumption and operational emissions decreased at BTN, BNI, and BRI, whereas Mandiri recorded annual increases. Digitalization and the integration of environmental risk also support sustainability practices. The study concludes that green banking progress should be assessed through financing developments, environmental outcomes, and reporting consistency.