BSI's Performance Exceeds Expectations
Jakarta, VIVA - PT Bank Syariah Indonesia (Persero) Tbk, or BSI, recorded a year-on-year growth in unaudited net profit of around 17% to Rp1.36 trillion, continuing the sustainable growth trend over the past few years.
According to BSI President Director Anggoro Eko Cahyo, this performance reflects the company’s solid position at the start of the year.
The company’s steps in accelerating digitalisation, expanding gold business services, strengthening the consumer segment, and increasing support for government programmes in productive sectors and UMKM have contributed to maintaining the positive and sustainable performance growth trend.
He also noted that fee-based income grew 30% year-on-year to Rp1.47 trillion. The main contributor to FBI growth came from gold banking services, which recorded the highest surge of 136.55% to Rp463 billion.
In addition, FBI performance was supported by treasury business and e-channel services. As of February 2026, the number of users of the BYOND by BSI superapp reached 6.3 million, with 125.4 million transactions.
On the intermediation performance side, financing grew 14.32% year-on-year to Rp323 trillion, with the largest contribution from the consumer segment, particularly the gold business.
Furthermore, financing growth was strengthened by retail financing contributions, including UMKM, reaching Rp52.43 trillion, or up 6.10% year-on-year.
Anggoro also expressed his commitment to supporting UMKM in upgrading, from mentoring, training, financing, business matching, to providing BSI UMKM Centre services.
Financing growth was also supported by the company’s strategy in strengthening differentiation through the bullion bank business, which is one of BSI’s strengths.
Since obtaining the bullion bank licence, BSI’s gold business has shown significant growth and become one of the main drivers of the company’s performance.
This performance was further strengthened by an increase in gold holdings to around 22.5 tonnes and a continuously expanding customer base to 23 million over the past four years.
Next, on the fund-raising side, the company recorded third-party funds (DPK) growth of 14.76% year-on-year to Rp366 trillion.
DPK growth was driven by an increase in savings of 16.06% year-on-year to Rp154 trillion. According to the company, this reflects the increasing public trust in sharia banking services.