20260402_BBKP_Laporan Informasi dan Fakta Material_32057452_lamp2.pdf

                                                                               PRESS RELEASE



                KB Bank Records Net Profit of IDR 66.59 Billion in 2025,
                   Driven by Loan Growth and Net Interest Income


Jakarta, 2 April 2026 – PT Bank KB Indonesia Tbk (IDX: BBKP), or KB Bank, recorded a
positive performance throughout 2025, posting a consolidated net profit of IDR 66.59 billion, a
turnaround from a net loss of IDR 6.33 trillion in 2024.

This achievement marks an important milestone in KB Bank’s transformation journey toward
sustainable profitability. The positive performance was driven by improvements in business
fundamentals, reflected in higher net interest income and a significant reduction in provisioning
costs.

Throughout 2025, KB Bank’s performance showed increasingly solid improvement, primarily
driven by strengthened asset quality and stabilization of its business fundamentals. This was
reflected in the decline of the loan-at-risk ratio to 20.31% from 22.76% in the previous year.

In line with this, KB Bank recorded Net Interest Income (NII) of IDR 1.19 trillion, up 3.40% from
IDR 1.15 trillion in the previous year. The Net Interest Margin (NIM) also improved to 1.43%,
reflecting better earning asset quality and more efficient cost of funds management.

From a liquidity perspective, KB Bank continued to demonstrate sustained improvement. The
Loan-to-Deposit Ratio (LDR) improved to 91.07% from 103.26%, reflecting a funding structure
that is increasingly aligned with healthier and more balanced banking practices. This was further
supported by growth in Third-Party Funds (DPK), particularly in current accounts and savings
accounts, strengthening the low-cost funding base.

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. From a capital standpoint, the Bank preserved a solid capital base, with a Capital
Adequacy Ratio (CAR) of 16.25%, providing sufficient headroom to support sustainable
business expansion.

President Director of KB Bank, Kunardy Darma Lie, stated “The achievement of net profit in
2025 reflects the disciplined execution of our transformation strategy over the past few years.
We are not only focused on growth, but also on ensuring that such growth is of high quality and
sustainable. Going forward, we recognize that there is still room for improvement, particularly in
enhancing credit quality and strengthening our overall business fundamentals. Therefore, KB
Bank will continue to implement prudent measures, including reinforcing asset quality, advancing
digital-driven business development, and optimizing synergies with KB Financial Group. In
addition, we are exploring various initiatives to further strengthen our capital structure in order to
support healthier and more sustainable business growth.”