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All Journal Jurnal Manajemen Teknologi Journal of Business and Management The Asian Journal of Technology Management (AJTM) Journal of Economic, Bussines and Accounting (COSTING) Community Engagement and Emergence Journal (CEEJ) Jurnal Darma Agung Jurnal Transportasi Multimoda Jurnal Social Library Economic Reviews Journal Journal Integration of Social Studies and Business Development Journal Integration of Management Studies
Yunieta Anny Nainggolan, Yunieta Anny
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Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Transportation

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Profitability Impact Of Reducing Coal Lending Exposure: A Scenario Analysis of Bank Permata's Sample Loan Portfolio Nugraha, Aditya; Nainggolan, Yunieta Anny
Journal Integration of Management Studies Vol. 3 No. 2 (2025): (Special Issue)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v3i2.399

Abstract

The global shift toward a low-carbon economy has intensified regulatory, market, investor, and societal pressures on banks to align lending portfolios with sustainable finance principles. In Indonesia, where coal remains central to the energy mix, banks face a strategic trade-off between sustaining profitability from coal financing and complying with green taxonomy requirements. This study evaluates the profitability implications of the coal sector phase-out for Bank Permata, a leading Indonesian commercial bank, and examines mitigation strategies. The analysis integrates Signaling Theory, Resource Dependence Theory, Stakeholder Theory, and Sustainable Finance to frame the strategic, risk, and stakeholder considerations in portfolio reallocation. A quantitative scenario analysis was applied to four publicly listed coal companies with existing credit facilities at Bank Permata, which were selected as a sample. Using a profit planning approach, financial projections were developed for income statements, balance sheets, and cash flows based on public disclosures and validated assumptions. Results were compared across a baseline (no phase out) and three phase out scenarios, with the most stringent targeting zero exposure by 2030. Findings indicate that phasing out in the short term will affect declines in interest income, driven by reduced loan balances and yields, but highlight long-term benefits through reduced regulatory non-compliance risk and lower reputational exposure to transition risks. Potential losses can also be mitigated by reallocating to green taxonomy-aligned sectors with competitive yields. The research offers a replicable scenario-based modeling framework for quantifying the financial effects of coal phase-out strategies in emerging market banking. It underscores the importance of strategic portfolio realignment, diversification into sustainable sectors, and strengthened ESG risk assessments to maintain profitability while supporting national and global sustainability goals.
Co-Authors Abieza, Talitha Rhea ADITYA NUGRAHA Aditya Pratama Afgani, Kurnia Fajar Ariando, Heribertus Arifani, Yusnia Talitha AGnes Christian, Nicolas Rendy Dadang Suryana Davirza, Puri Alodia Demario, Patrick Dermawan, Dicky El Gibran, Pangeran Alif Esa, Abrori Ahmad Noor Ghea Revina Wigantini Khairunnisa, Carla Liongson, Edward Marlene Matsuura, Yoshiyuki Muhammad Dzaki Naufal, Muhammad Dzaki Mulyati, Widia Nagoro, Damar Panuluh Natama, Jennifer Magdalena Patmanegara, Iqball Dwi Candra Prabowo, Hadi Purbayati, Radia Putro, Lucky Wahyu Pratomo RR. Ella Evrita Hestiandari Santosa, Jason Gamaliel Sitorus, Ganda Glen Michael Subaryata, Subaryata Sulestiowidagdo, Ignatius Dwi Sumirat, Erman Arif Syaputri, Annisa Rizkia Trihermanto, Febi Vichsanzy, Falahariq Witjaksono, Aryo Dimas Yansil, Eko Thio Ady