BSI Financing Dominated by Pro-People Segment, Here's the Proof
Jakarta, CNBC Indonesia – PT Bank Syariah Indonesia Tbk (BRIS) is strengthening its contribution to facilitating Islamic-based financial access for the community. This is reflected in BSI’s positive performance throughout 2025, particularly in terms of financing distribution.
BSI recorded that by December 2025, financing distributed reached Rp 318.84 trillion, or a 14.49% year-on-year increase, with the majority distributed to pro-people segments including small and medium enterprises (SMEs), micro-enterprises, consumers, and commercial sectors in education and healthcare, civil servants (ASN), and state-owned enterprises (BUMN), with total outstanding of Rp 285.70 trillion or 90% of total financing outstanding.
Grandhis H. Harumansyah, BSI’s Director of Risk Management, stated that by December 2025, BSI’s financing performance had grown nearly twice compared to the average growth of national financing industry. This result also drove an increase in BSI’s market share compared to national and Islamic banks.
Currently, BSI’s financing market share against national banks stands at 3.72% or higher than in previous years.
“Meanwhile, BSI’s financing market share compared to Islamic banks reached 46.1% as of November 2025. So nearly half of the total financing distributed by Islamic banks in 2025 was distributed by BSI,” said Grandhis, cited on Friday (13 March 2026).
He continued that this growth was achieved through a sound risk mitigation strategy. This enabled the quality of financing distributed by BSI to be maintained well, as reflected in the Non-Performing Financing (NPF) Gross indicator at 1.81% level or better than the previous year, as well as NPF Net at 0.47% level. The improvement in financing quality was inseparable from BSI’s proper risk management efforts, in accordance with business and customer segmentation and discipline in monitoring industry developments.
Furthermore, through financing distribution, BSI also supported government economic programmes. In this context, BSI was involved in the distribution of Special Liquidity Assistance (SAL) placement from the Ministry of Finance amounting to Rp 10 trillion, which had been fully distributed by the company in 2025.
In addition, support was also provided by BSI for the Free Nutritious Meal (MBG) programme. Currently, there are approximately 1,350 BSI virtual accounts from MBG partners used for daily transactions related to this strategic programme.
BSI also supported the government’s aspiration to build 80,000 Red and White Village Cooperatives, and distributed People’s Business Credit (KUR) financing to approximately 90,000 customers with a total nominal value of approximately Rp 12.2 trillion.
Beyond that, BSI supported the 3 Million Houses programme or Housing Financing Liquidity Facility (FLPP). Since the early period of the merger until now, BSI has distributed FLPP financing amounting to Rp 3.5 trillion with a total of 23,000 houses financed.
Meanwhile, Ade Cahyo, BSI’s Director of Finance & Strategy, stated that BSI was grateful to have recorded a positive profit of Rp 7.56 trillion or grew by 8%, making BSI enter the top 5 banks with the highest performance growth. The result was inseparable from several recent developments, particularly the increase in fee-based income reaching 25%.
“This increase in fee-based income is indeed contributed in more detail by our new products, especially those related to gold,” he said.
As is known, in February 2025 BSI was granted a licence as a bullion bank. This had a positive impact on increasing the number of BSI customers using gold savings.
Notably, this profitability increase was also driven by a decrease in cost of funds. Not to mention, products such as gold instalment plans and financing for civil servant payroll also had a positive impact because they had very good yields and quality.