KB Bank Turns Loss into Net Profit of Rp 66.5 Billion

PT Bank KB Indonesia Tbk (IDX: BBKP), or KB Bank, has successfully transformed its performance to positive throughout 2025. The bank with the stock code BBKP recorded a consolidated net profit of Rp 66.59 billion, reversing from a loss position of Rp 6.33 trillion in 2024.

KB Bank’s President Director, Kunardy Darma Lie, stated that the net profit achievement in 2025 is the result of disciplined execution of strategies implemented over the past few years. “We recognise that there is still room for improvement, particularly in enhancing credit quality and strengthening overall business fundamentals,” said Kunardy in an official statement on Thursday, 2 April 2026.

The company’s positive performance in 2025 was driven by improvements in business fundamentals, reflected in the increase in net interest income and a significant reduction in provisioning costs.

A series of improvements throughout last year were driven by strengthened asset quality and business stabilisation. The bank recorded a decline in the non-performing loan ratio or loan at risk to 20.31% from 22.76% in the previous year.

Meanwhile, the company’s net interest income (NII) rose 3.40% to Rp 1.19 trillion, up from Rp 1.15 trillion in 2024. The Net Interest Margin (NIM) also improved to 1.43%.

On the liquidity side, the Loan to Deposit Ratio (LDR) in 2025 improved to 91.07% from 103.26%. According to KB Bank, this reflects a funding structure that continues to align with healthier and more balanced banking practices.

KB Bank also maintained a strong liquidity position with a Liquidity Coverage Ratio (LCR) of 220.01% and a Net Stable Funding Ratio (NSFR) of 101.82%, both above regulatory requirements. KB Bank upheld a solid capital level with the Minimum Capital Adequacy Requirement (KPMM) or Capital Adequacy Ratio (CAR) of 16.25%.

Throughout 2025, the total loans disbursed by KB Bank reached Rp 44.39 trillion, an increase compared to the previous year’s Rp 41.46 trillion.