BFI Finance's new financing rises 9.3% year-on-year, assets reach Rp 25.5 trillion

REPUBLIKA.CO.ID, JAKARTA — The year 2025 became a period when the financing industry faced market dynamics influenced by changes in consumer purchasing behaviour and consumption, as well as increasing risk sensitivity across segments. This condition reflects the situation in society and their financial decisions regarding domestic macroeconomic developments.

In response to these conditions, PT BFI Finance Indonesia Tbk (BFI Finance), a company closely linked to the people’s economy, implemented business management steps focused on strengthening portfolio quality and operational resilience, complemented by strategy adjustments across each product line.

From these efforts, the company managed to maintain total asset growth in 2025 of 1.4 percent compared with its 2024 value, to Rp 25.5 trillion. This increase was driven by an 8.9 percent year-on-year (YoY) rise in managed receivables, to Rp 26.3 trillion. The company also consistently continued to grow by recording new financings of Rp 21.9 trillion, up 9.3 percent versus the period in 2024.

“We can demonstrate business resilience with solid capitalization, adequate liquidity, and a manageable risk profile. Of course, all this is thanks to the ability to apply agility principles accompanied by hard work of the entire team, strategic collaboration spirit, and the trust of customers, investors, and various stakeholders,” said BFI Finance president director Sutadi, in a written statement, Friday (6/3/2026).

Through a variety of financing services, BFI Finance consistently supports economic activity across diverse consumer segments, from individuals, micro, small and medium-sized enterprises (MSMEs), to large-scale business needs. By December 2025, the composition of managed receivables was dominated by productive financing, namely working capital at 57.3 percent and investments at 17.6 percent. Meanwhile, financing receivables disbursed for multi-purpose purposes accounted for 22.0 percent and Sharia-based financing for 3.1 percent.

For the income statement, BFI Finance recorded total revenues of Rp 6.7 trillion in 2025, up 6.5 percent from 2024. The company also posted stable performance with profitability of 1.0 percent YoY, equal to Rp 1.581 trillion.

Despite efforts to improve performance, the company remained capable of managing risk well at under two percent. Non-Performing Financing (NPF) as of 31 December 2025 stood at 1.39 percent gross and 0.22 percent net. This position was lower than the industry’s average NPF at 2.51 percent gross and 0.77 percent net (OJK data as of December 2025).

“Through careful risk management to maintain asset quality, BFI Finance is able to maintain performance stability while safeguarding the financial position as a solid foundation for future growth,” added Sutadi.

In another important financial ratio, Return on Asset (ROA) and Return on Equity (ROE) were 7.9 percent and 14.8 percent, respectively. Meanwhile, the gearing ratio was observed at 1.3 times.

The effort to maintain this performance did not reduce the company’s commitment to deliver sustainable value to shareholders. In 2025, the company had completed dividend payments totalling Rp 902 billion for the 2024 financial year, and also paid an interim cash dividend for the 2025 financial year on 18 December amounting to Rp 35.00 per share or Rp 520 billion.