Jakarta. Bank KB Bukopin, or  KB Bank (IDX: BBKP), recorded a net profit of Rp 373 billion in the first half of 2025, reversing a net loss of Rp 3.15 trillion in the same period last year. 

This achievement marks the continuation of the positive momentum seen in the first quarter of 2025. The bank attributed the positive performance to the healthy loan growth. As of the end of June 2025, the bank’s total loan portfolio had grown by 6.14 percent year-over-year (yoy) to Rp 43.08 trillion.

This growth was primarily supported by an increase in performing loans (normal loans), which recorded a double-digit growth of 10.18 percent yoy. Both retail and wholesale segments, including the Korean Link Business, continued to demonstrate solid performance. The retail loan portfolio grew by 18.65 percent yoy, while the Korean Link Business recorded a strong growth of 24.53 percent yoy. 

On the revenue side, KB Bank recorded a net interest income of Rp 450 billion in the first half of 2025, up slightly from Rp 449 billion in the same period last year. The net interest margin (NIM) also increased by 5 basis points to 1.33 percent, from 1.29 percent previously. The decline in the cost of funds to 5.30 percent from 5.35 percent reflects increasingly efficient funding management amid a tight market

KB Bank’s asset quality continued to show a sustained improving trend. The Loan at Risk (LAR) ratio declined to 24.07 percent from 26.86 percent, while the amount of gross Non-Performing Loans (NPL) decreased by 5.47 percent year-on-year in the first half of 2025. 

Solid Liquidity, Supports Ongoing Turnaround Momentum 
KB Bank maintained solid liquidity in the first half of 2025, as reflected by a 15.87 percent yoy growth in third-party funds (DPK) from current and savings accounts (CASA). This growth contributed to an increase in the CASA ratio to 31.49 percent, up from 27.30 percent in the same period last year. 

To strengthen its long-term fundamentals, KB Bank received an additional capital injection of Rp 3 trillion at the end of the first half of 2025 from its parent company and controlling shareholder, KB Kookmin Bank Co., Ltd. 

This additional capital has been approved by the Financial Services Authority (OJK) to be classified as Additional Tier 1 Capital, helping maintain KB Bank’s Capital Adequacy Ratio (CAR) at a stable level of 16.68 percent. This support enhances the Bank’s capacity for future expansion and reflects the shareholders’ strong commitment to KB Bank’s long-term transformation journey. 

“With strong support from our shareholders, continued improvement in asset quality, and the prospect of a benchmark interest rate cut by Bank Indonesia, KB Bank is optimistic about being on the right track to accelerate performance in the second half of 2025. We will continue to strengthen our focus on digital-driven growth and expand cross-segment cross-selling to build long-term differentiation and profitability,” Vice President Director of KB Bank Robby Mondong said.

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