KB Bank Disburses Rp 43.19 Trillion in Credit in the First Quarter
PT Bank KB Indonesia Tbk (KB Bank) disbursed credit amounting to Rp 43.19 trillion in the first quarter of 2026, marking a 2.61% year-on-year (YoY) growth. This expansion was supported by a 4.76% YoY increase in performing credit to Rp 34.02 trillion, reflecting an improvement in portfolio quality.
KB Bank President Director Kunardy Darma Lie stated that the company recorded improvements in fundamental performance at the start of the year. This performance was driven by credit growth, strengthened funding structure, increased net interest margin, and enhanced asset quality.
“The first quarter 2026 performance shows that KB Bank continues to be on the right track,” said Kunardy in an official statement on Friday, 1 May 2026.
Net interest income (NII) rose 97.28% YoY to Rp 363 billion. This increase aligned with an improvement in the net interest margin (NIM), which climbed to 2.09% from 1.09% in the same period last year. According to Kunardy, this achievement reflects increasingly optimal asset and liability management as well as cost of funds efficiency.
For the first time since joining KB Financial Group in 2020, KB Bank booked a positive pre-provision operating profit (PPOP) of Rp 9 billion in the first quarter of 2026.
Nevertheless, Kunardy acknowledged that there is still room for improvement, particularly in credit quality, strengthening business fundamentals, and capital structure to support long-term growth. Moving forward, the company will maintain momentum through quality growth, disciplined risk management, and enhanced synergies with KB Financial Group.
Third-party funds (DPK) in the first quarter of 2026 totalled Rp 41.52 trillion. Amid a focus on improving funding quality, low-cost funds (current account savings account/CASA) grew 5.74% YoY to Rp 13.09 trillion.
KB Bank continues to implement prudent improvement measures, including strengthening asset quality, enhancing the quality of earning assets, and optimising risk management to maintain increasingly healthy business fundamentals.