Jakarta. KB Bank (BBKP) recently announced that it had maintained its momentum amidst rapidly changing global economic dynamics.

The subsidiary to South Korea's KB Financial Group (KBFG) reported that it had strengthened its financial position and completed various strategic initiatives, marking important milestones in its transformation journey.

KB Bank President Director Kunardy Darma Lie said that the transformation, which began in 2021, had begun showing tangible results, both in terms of fundamentals and service digitalization.

"Our capital adequacy ratio is stable at around 16 percent, providing healthy room for expansion, while asset quality continues to improve, with loans at risk dropping sharply from 65 percent in 2021 to below 24 percent at the moment," Kunardy told a virtual conference on Wednesday.

KB Bank also announced that its liquidity remained at a very solid level. The liquidity coverage ratio (LCR) reached 335 percent, well above the regulatory minimum. This performance reflects effective risk management, operational efficiency, and growing customer trust.

In terms of digital infrastructure, KB Bank has also completed the implementation of the so-called Next Generation Banking System.

"We have also centralized the credit approval process to strengthen risk governance, with tighter controls across the organization," he said.

A Year of Transformation and Growth Momentum
Throughout 2025, KB Bank took a series of strategic steps to strengthen its position and revitalize its identity.

In May 2025, Kunardy Darma Lie assumed his role as the president director. KB Financial Group unveiled an additional capital support the following month, representing the parent company's long-term commitment to strengthening the foundation of KB Bank's growth in Indonesia.

On Aug. 11, the company officially changed its name to PT Bank KB Indonesia Tbk. They also picked K-pop group Hearts to Hearts as their brand ambassador. This collaboration symbolizes a new spirit of modernity, inclusiveness, and engagement with the younger generation.

On Oct. 6, KB Bank appointed Widodo Suryadi as its director of wholesale banking to strengthen services in the corporate segment. This move is part of the bank's efforts to expand its business reach while deepening relationships with strategic customers.

From Recovery to Real Growth
According to KB Bank's Director of Retail Banking, Robby Mondong, 2025 will no longer be a year of recovery, but rather a phase of real growth supported by disciplined risk management and operational efficiency.

"Our net profit reached Rp 265 billion [nearly $15.9 million] as of the third quarter of 2025, indicating a real turnaround. All key targets are on track, a strong signal that the transformation strategy is effective," said Robby.

On the financing side, wholesale loans rose by almost 10 percent, supported by the Korean Link business, which grew 15 percent year-on-year (yoy).

"We help corporations manage funds more efficiently through cash management, fund linking, and payroll solutions. Our focus is not just on aggressive credit distribution, but on delivering quality growth," Robby said.

Retail loans grew 17 percent yoy, confirming the success of the company's customer-centric approach that combines technology with a touch of Korean culture. The collaboration with Hearts to Hearts is also part of KB Bank's lifestyle banking strategy to reach the younger generation.

"We want young people to see KB Bank not just as a place to save, but as part of their financial lifestyle," Robby said.

Building a Closer and More Relevant Bank
KB Bank continues to strengthen connectivity between its digital channels and branch services, creating a consistent omnichannel experience for all customer segments, from large corporations to the retail and digital communities.

"For us, the best service is when customers don't have to wait. Every interaction should feel like talking to a partner who understands their business and needs," Robby said.

With the support of KB Financial Group, one of the largest financial groups in Asia, KB Bank affirms its commitment to being a trusted partner for growth, building a foundation for sustainable growth, strengthening cross-border relationships, and bringing real added value to all stakeholders in Indonesia.