Zustainable Ways Project: DBS Z Visa Platinum allocates 0.5% of each transaction for multiple sustainability initiatives

Indonesia, 09 Dec 2025 - Following its introduction in September 2024, the DBS Z Visa Platinum credit card has launched the 'Zustainable Ways Project' as a sustainability movement and initiative of the integrated environmental programme from Z Card. In collaboration with Duitin, Bank DBS Indonesia is encouraging the public to understand that every action, no matter how small, has the potential to strengthen movements that bring long-term benefits. This movement positions Z Card as a symbol of collective action, not only as a practical transaction tool but also as a driver of change that encourages customers and communities to start contributing through simple steps that can yield big benefits.

Head of Card and Loan Business PT Bank DBS Indonesia Ari Lastina stated, "Bank DBS Indonesia is committed to implementing long-term, replicable sustainability programmes that encourage the empowerment of local communities. We believe that systemic change brings more significant benefits than one-off assistance. Therefore, we invest in ecosystems that can foster a sustainable circular economy, including through the 'Zustainable Ways Project' programme. Through this initiative we want to expand this impact through customer engagement and make sustainability part of everyday life. Naturally, this is in line with our vision as the 'Best Bank for A Better World', particularly in contributing to efforts to achieve Indonesia's net zero emission (NZE) target by 2060."

Right now, the programme's main focus is on developing an integrated waste management model in Ciamis. This area was chosen because it has a strong collaborative culture, government support for waste management, and an active waste bank network that is ready to be developed through an integrated digital approach. Together with Duitin, Bank DBS Indonesia has built a new digital waste bank, digitising three existing waste banks, and three quail farms as part of an interconnected waste management ecosystem. Through this model, inorganic waste can be collected, sorted, and recycled as raw material, while organic waste is processed into animal feed through the cultivation of Black Soldier Fly (BSF) larvae or maggots. The feed is then used to support quail farm operations while also creating additional income opportunities for the community.

This step is consistent with data from the Ministry of Environment and Forestry (KLHK) which showed that there were 20,587 waste banks in Indonesia in 2024, up by 20.2 percent from 2023. Over the course of the year, the total amount of waste collected reached 138,610 tonnes. This increase was in line with the growth in economic value generated, which amounted to IDR 10.1 billion throughout the year. This positive trend demonstrates the increasingly strong economic impact felt by the community generated through the waste management activities.

As part of the expansion of this initiative, Bank DBS Indonesia also launched the 'Zustainable Ways Challenge' to encourage customers to take an active role in managing waste from their homes. The programme encourages customers to take simple but impactful steps by sorting and managing household waste more responsibly. By recycling at least 5 kg of waste and spending Rp3 million per month, customers can have an opportunity to receive shopping vouchers worth millions of rupiah as exclusive rewards.

"This collaboration stemmed from the belief that big changes start with simple steps taken collectively. Bank DBS Indonesia and Duitin share a common passion for improving people's lives while preserving the environment by reducing reusable waste as well as enhancing food security through the supply of quail eggs in Ciamis Regency. Through this programme, we want to encourage people to start contributing to environmental preservation at home by sorting domestic waste. This is not just a #GerakanDaurUlang but also part of an effort to build new habits that are beneficial for the Earth and the future," said Director PT Tjatra Yasa Indonesia (Duitin) Adijoyo Prakoso.

Through Duitin's digital system, all waste bank activities, from collection and sorting to the distribution of recycled materials, are recorded transparently, allowing people to see the environmental impact in a more measurable way. This mechanism is designed as a circular economy model that can be replicated in various regions and form the foundation for a community-based sustainability ecosystem.

Allocating 0.5% of Each Transaction for Ecosystem Restoration

As a credit card that promotes sustainability, Bank DBS Indonesia set aside 0.5 percent of the value of every transaction made through the DBS Z Visa Platinum Credit Card during the period 15 October to 31 December 2024 to support various environmental initiatives as part of the 'Zustainable Ways Project'.

In the initial stage of this initiative, Bank DBS Indonesia ran two clean-up activities to clean the Ciliwung River (23 September 2024) and the Bekasi River (21 February 2025). Through these two activities, more than 300 kg of waste were collected and sorted, more than 60 trees were planted along the riverbanks, and 2,000 fish seeds were released to support the restoration of the aquatic ecosystem.

The commitment is also shown through the fact that every DBS Z Visa Platinum Credit Card is made from recycled plastic, cutting plastic waste by 3.18 grammes and CO₂ emissions by 7 grammes. This product is a tangible manifestation of Bank DBS Indonesia's sustainability pillars, namely Responsible Banking and Impact Beyond Banking, which integrate sustainability into banking products and services and contribute to the wider community beyond the scope of banking.

More information about DBS Z Visa Platinum can be found on go.dbs.com/id-zvp or Instagram account @digibankid.

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About DBS

DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. The bank's "AA-" and "Aa1" credit ratings are among the highest in the world.

Recognised for its global leadership, DBS has been named "World's Best Bank" by Global Finance, "World's Best Bank" by Euromoney and "Global Bank of the Year" by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named "World's Best Digital Bank" by Euromoney and the world's "Most Innovative in Digital Banking" by The Banker. In addition, DBS has been accorded the "Safest Bank in Asia" award by Global Finance for 17 consecutive years from 2009 to 2025.

DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region's most dynamic markets.

Established in 1989 as part of the Singapore-based DBS Group, PT Bank DBS Indonesia (Bank DBS Indonesia) is one of the banks with the longest history in Asia. Currently operating 1 Head Office, 13 Branch Offices, 16 Assistant Offices, 1 Functional Office and 3,011 active employees in 15 Major Cities in Indonesia, Bank DBS Indonesia provides comprehensive banking services that focus on the customer experience to 'Live more, Bank less'. We also see a purpose beyond banking and are committed to supporting our customers, employees, and the community towards a sustainable future.

PT Bank DBS Indonesia is licensed and supervised by The Indonesian Financial Services Authority (OJK), and an insured member of Indonesia Deposit Insurance Corporation (LPS).

DBS is committed to building lasting relationships with customers, as it banks the Asian way. Through the DBS Foundation, the bank creates impact beyond banking by uplifting lives and livelihoods of those in need. It provides essential needs to the underprivileged, and fosters inclusion by equipping the underserved with financial and digital literacy skills. It also nurtures innovative social enterprises that create positive impact.

With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities. For more information, please visit www.dbs.com.