OK Bank records positive performance growth in 2025

Jakarta — PT Bank Oke Indonesia Tbk (OK Bank) posted positive growth in 2025 across assets, lending, funding, and profitability. Total assets rose to Rp13.42 trillion in 2025 from Rp11.87 trillion in 2024 and Rp11.07 trillion in 2023. In terms of customer funding, Third-Party Funds (DPK) rose to Rp8.98 trillion, up from Rp7.54 trillion in 2024. “This growth reflects business expansion and ongoing strengthening of the bank’s operations. It shows growing customer confidence in OK Bank,” he said in Jakarta on Thursday. Credit disbursement also grew to Rp10.73 trillion in 2025 from Rp9.30 trillion in 2024, he continued, noting that the increase indicates intermediation activities are more aggressive but measured. Profitability improved significantly. Net interest income rose to Rp688.88 billion, while net profit jumped to Rp159.98 billion from Rp49.99 billion in the previous year. This indicates operational efficiency and improving revenue quality. From profitability ratios, Return on Assets (RoA) rose to 1.70% and Return on Equity (RoE) rose to 4.35%. The improvement of these two ratios signals OK Bank’s ability to generate profits from its assets and equity is stronger. Meanwhile, Net Interest Margin (NIM) stood at 5.67%, slightly higher than the prior year, indicating the bank’s ability to maintain profit margins from lending activities. Additionally, the Capital Adequacy Ratio (CAR) or minimum capital adequacy ratio at 42.21% is healthy and above regulatory requirements. “Overall, 2025 performance shows OK Bank recorded healthy growth with significant improvements in profitability, credit expansion, and strengthening of funding and asset base,” he said. He added that the bank’s operational footprint currently spans DKI Jakarta, Banten, West Java, Central Java, East Java and Bali. On 2026 strategy, during the public briefing Hendra Lie stated the company focuses on strengthening assets as the basis for sustainable growth, increasing profitability, and strengthening liabilities and funding. For asset strengthening, the main strategies include improving borrower portfolio quality, selective expansion of retail and corporate lending, diversification of products and services, as well as strategically optimising the network, reinforcing risk management, and increasing operational efficiency. Profitability improvement will be achieved through digital transformation, operational efficiency, and development of technology-based services. “Focus on quality loan disbursement, product diversification, and prudent risk management are the keys to generating sustainable income,” he said.