Krom Bank Indonesia Tbk Shareholders Approve 2025 Profit to Be Retained Rather Than Paid as Dividends

Shareholders of PT Krom Bank Indonesia Tbk have approved using the entire net profit for the financial year 2025, amounting to Rp143 billion, to be retained and not distributed as dividends. The decision was adopted at the Annual General Meeting of Shareholders (RUPST). The move is intended to strengthen the company’s capital structure and internal funding capacity to support sustainable business expansion amid intensifying competition in the banking industry. In the meeting, the shareholders approved allocating the company’s net profit for 2025 of Rp143 billion, or 100% of the year’s net profit, to add to the company’s retained earnings. This was part of the strategy to bolster capital structure and support sustainable expansion. “+The decision to allocate the entire net profit for 2025 into retained earnings is a strategic step to maintain healthy financial fundamentals and strengthen internal funding capacity,+” said Anton Hermawan, President Director of PT Krom Bank Indonesia, in an official statement. The company posted audited net interest income of Rp1.85 trillion, up 92% year-on-year from Rp965 billion in 2024. Total assets rose 84% YoY to Rp12.21 trillion in 2025, while total loans grew 103% YoY to Rp8.63 trillion from Rp4.25 trillion a year earlier. In terms of funding, Third Party Funds (DPK) surged 166% YoY to Rp8.39 trillion in 2025 from Rp3.15 trillion in 2024, driven by growth in savings-based and time deposits. Krom Bank also recorded a net profit of Rp143 billion, up 15% YoY, reflecting the company’s ability to sustain healthy and sustainable growth. Anton noted that amid global and domestic macroeconomic dynamics throughout 2025, including geopolitical challenges, high financial market volatility, pressure on interest rates, and changing consumer behaviour in the digital era, Krom Bank remained capable of delivering positive and solid performance. ‘We see that current macroeconomic conditions require the banking sector to be increasingly adaptive, prudent, and innovative in facing rapid changes,’ he said. On the other hand, Indonesia’s digital economy growth and the growing demand for practical, safe, integrated financial services also open significant growth opportunities for the digital banking industry, including Krom Bank.