Indonesia's coal industry significantly contributes to its economy through exports, GDP, and employment, while also serving as a crucial domestic energy source. However, the global shift towards sustainability and ESG criteria presents increasing challenges for the industry in securing financing. This research addresses the dilemma faced by Indonesian banks, particularly Permata Bank, which aims to balance financial support for the coal industry with the need to promote a transition to cleaner energy, aligning with Indonesia's net-zero emissions target and the Financial Services Authority's (OJK) sustainability initiatives. The research will analyze the financial impact of reducing coal lending exposure on Permata Bank's profitability and propose alternative strategies to maintain financial performance while transitioning towards greener and more sustainable financing options.