Krom Bank's 2025 Performance Surges, Assets Grow 84% Supported by Digital Credit Expansion
PT Krom Bank Indonesia Tbk (IDX: BBSI) recorded solid business performance throughout the 2025 fiscal year ending 31 December 2025. This digital bank demonstrated significant growth across various lines, reinforcing its position as one of Indonesia’s trusted digital banking institutions.
Throughout 2025, Krom Bank’s total assets reached Rp12.21 trillion, an 84% year-on-year (yoy) increase from Rp6.65 trillion in 2024. This surge was primarily supported by aggressive credit disbursement expansion and an innovative, accessible digital financial services development strategy.
Krom Bank’s President Director, Anton Hermawan, emphasised that this achievement resulted from the company’s consistency in adapting to market needs.
“This achievement is the result of the company’s consistency in innovating and understanding customer needs. We are grateful for the positive performance achieved throughout 2025. This serves as proof that digital transformation in the banking sector continues to receive a good response from the public,” he stated.
Alongside asset growth, the company’s liabilities also increased sharply, driven by a rise in third-party funds (DPK). By the end of 2025, DPK stood at Rp8.39 trillion, a 165% (yoy) growth from Rp3.15 trillion the previous year.
This growth reflects increasing public trust in digital banking services, as well as Krom Bank’s success in delivering a fast, secure, and efficient user experience.
Krom Bank’s operational performance is also reflected in the 92% (yoy) increase in audited net interest income to Rp1.85 trillion, from Rp965 billion in 2024.
On the other hand, credit disbursement reached Rp8.63 trillion, up 103% from Rp4.24 trillion in the same period the previous year. This growth demonstrates the effectiveness of the company’s credit expansion strategy.
Anton Hermawan also highlighted the role of flagship products in supporting this growth.
“Through our flagship products, namely Savings, Krom Max, and Krom Flex, we offer more stable and affordable investment alternatives. With a fixed and competitive return scheme, these instruments provide certainty of returns and become a rational choice for the public looking to manage assets with more controlled risks in the current economic phase,” said Anton.
In terms of profitability, Krom Bank’s net profit increased to Rp143 billion in 2025, a 16% growth from Rp124 billion the previous year.
This profit growth was driven by strong credit expansion and optimisation of channelling strategies with partners. Krom Bank has also recorded a consistent positive profit trend since the acquisition process in 2022.
To support sustainable growth, Krom Bank continues to enhance its technological capabilities and security systems. The company has obtained international certifications ISO/IEC 27001 for information security management systems and ISO/IEC 27701 for data privacy management.
These steps affirm the bank’s commitment to safeguarding customer data while improving the quality of digital services, including the launch of new features that facilitate transactions and financial management.
Krom Bank is also actively expanding financial inclusion by reaching segments of society not optimally served by conventional banking. The digital-first approach enables more efficient and inclusive service provision.
Entering 2026, Krom Bank is optimistic about maintaining its positive growth trend. The company is committed to continued innovation, expanding its digital ecosystem, and strengthening strategic collaborations to drive sustainable growth.