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20260918_BBKP_Laporan Informasi dan Fakta Material_32149893_lamp2.pdf
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PRESS RELEASE
KB Bank Strengthens Business Fundamentals as Assets and Funding
Record Solid Growth in the First Half of 2026
Jakarta, September 18, 2026 — PT Bank KB Indonesia Tbk (KB Bank) continued to strengthen
its business fundamentals and maintain the momentum of its transformation in the first half of
2026. This progress was reflected in asset and funding growth, an increase in low-cost funds
through Current Account and Savings Account (CASA), growth in Net Interest Income (NII), an
improvement in Net Interest Margin (NIM), and continued improvement in asset quality.
By optimizing the support and synergies with KB Financial Group (KBFG), KB Bank continues
to strengthen its business fundamentals and pursue more targeted growth opportunities. These
synergies are realized through enhanced business capabilities and support in delivering
products and services that are relevant to customers’ needs.
In the first half of 2026, KB Bank’s total assets grew 12.71% year-on-year (YoY) to Rp86.11
trillion. The growth in assets was supported by the strengthening of the Bank’s intermediation
and funding functions.
On the lending side, KB Bank’s total loans reached Rp44.97 trillion, growing 4.38% YoY. Loan
growth was pursued selectively while continuing to take into account asset quality and the Bank’s
risk profile.
In line with the growth in assets and loans, KB Bank also recorded stronger funding performance.
Third-Party Funds (TPF) grew 12.44% YoY to Rp45.57 trillion, while CASA increased 15.25%
YoY to Rp14.71 trillion. The growth in CASA also increased KB Bank’s CASA ratio to 32.27%,
keeping it above the 30% level. This development reflects the Bank’s continued efforts to
strengthen the quality and efficiency of its funding structure.
The strengthening of the funding structure and more focused asset management also supported
growth in net interest income. KB Bank’s Net Interest Income (NII) grew 54.44% YoY to Rp695
billion in the first half of 2026. In line with the growth in NII, KB Bank’s NIM improved to 1.96%
from 1.33% in the first half of 2025, reflecting improvements in the management of earning
assets and the Bank’s funding structure.
On asset quality, KB Bank continued to consistently manage and improve the quality of its loan
portfolio. This was reflected in an improvement in Loan at Risk (LAR) to 21.93%, compared with
24.45% in the same period last year. This improvement forms part of the Bank’s efforts to
maintain selective and measured business growth while continuing to prioritize loan portfolio
quality.
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PRESS RELEASE
Kunardy Darma Lie, President Director of KB Bank, said that the Bank’s first-half 2026
performance reflects its continued commitment to strengthening its business fundamentals and
building a healthier and more sustainable foundation for growth amid the evolving dynamics of
the banking industry.
“We continue to strengthen KB Bank’s business fundamentals through targeted growth, a
stronger funding structure, improved asset quality, and enhanced capacity to generate income.
We execute every strategic initiative selectively and in a measured manner, while maintaining a
balance between business growth, asset quality, and sustainable performance. We expect this
strengthening of our fundamentals to serve as a foundation for KB Bank to further enhance its
contribution to our customers and all stakeholders,” said Kunardy.
Looking ahead, KB Bank will remain focused on strengthening its business fundamentals by
maintaining quality growth, further strengthening its funding structure, improving loan portfolio
quality, and continuously developing the Bank’s capabilities to support customers’ needs. These
efforts form part of KB Bank’s commitment to building healthy and sustainable business growth.
KB Bank’s financial statements for the first half of 2026 have undergone an audit as part of the
process of establishing a Financial Conglomerate Holding Company (PIKK) and in support of
KB Bank’s planned global bond issuance. The audited financial statements also reflect the
Bank’s commitment to transparency, accountability, and providing credible financial information
to all stakeholders.
*Note: All financial performance figures presented in this press release are on a bank-only
basis, unless otherwise stated.
***
About PT Bank KB Indonesia Tbk
PT Bank KB Indonesia Tbk (“KB Bank”) is a commercial bank in Indonesia established on July 10, 1970,
and officially operating under the name PT Bank KB Indonesia Tbk since August 11, 2025. Building on
its longstanding presence in Indonesia’s banking industry, KB Bank is accelerating its transformation to
become a stronger and more competitive financial institution through enhanced asset quality, disciplined
risk management, and a focused strategy in productive sector financing.
The Bank continues to expand its capabilities across wholesale banking, retail banking, and integrated
transaction banking solutions, supporting businesses and communities while contributing to sustainable
and inclusive economic growth in Indonesia.
As part of KB Financial Group (KBFG), one of the largest financial services groups in South Korea. KB
Bank benefits from strong capital backing, international-standard governance, and advanced risk
management capabilities through KB Kookmin Bank, its controlling shareholder. This global support
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PRESS RELEASE strengthens KB Bank’s ability to deliver long-term value and positions the Bank as a reliable growth partner for businesses and the broader economy in Indonesia. For further information, please contact: Corporate Communication and Government Relations Division PT Bank KB Indonesia Tbk (KB Bank) medcomm@kbbank.co.id
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Bank Strengthens Business Fundamentals
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