BSI Implements Comprehensive Loan Restructuring for Aceh Disaster Victims

Proactive Measures for Economic Recovery

PT Bank Syariah Indonesia Tbk (BSI) has launched a comprehensive loan restructuring program for customers affected by recent natural disasters in Aceh, demonstrating the bank's commitment to supporting regional economic recovery. The initiative includes restructuring and relaxation of financing terms for impacted customers, allowing them to focus on rebuilding their businesses and livelihoods ¹

Key Features of the Restructuring Program

The program includes initial grace periods from December 2025 to March 2026, during which eligible customers will receive payment deferments. Subsequent restructuring will involve rescheduling of payments tailored to individual customer capacity ¹

Regulatory Alignment and Implementation

BSI's restructuring initiative aligns with government programs aimed at mitigating the impact of hydrometeorological disasters in Sumatra, particularly Aceh. The bank is working closely with the Financial Services Authority (OJK), relevant ministries, local government, and disaster management agencies to ensure compliance with regulatory requirements and best practices in corporate governance.

Operational Recovery and Customer Support

As of December 18, 2025, BSI has restored operations in 97% of its Aceh branches (140 out of 145), with 78% of ATMs and 89% of BSI Agent Laku Pandai services restored. The bank is encouraging customers to utilize digital services through BYOND by BSI, agent networks, and the 14040 call center for information on restructuring mechanisms.

Financial Position and Risk Management

As of September 2025, BSI reported total financing of Rp301 trillion with a gross non-performing financing (NPF) ratio of 1.86%, indicating a relatively healthy asset quality. The bank's capital position provides sufficient capacity to implement the restructuring program effectively while maintaining prudent risk management practices.