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Allo Bank Accelerates its Positive Momentum
throughout 2025
Jakarta — PT Allo Bank Indonesia Tbk ("Allo Bank" or "Bank") today announced that its
audited net profit after tax grew 23% year-on-year ("yoy") to IDR 574 billion for the full
year period ended December 31st, 2025 ("FY25"), fulfilling the Bank's objective of
operating profitably by providing tailored banking solutions to underserved retail, MSME,
and corporate customers.
The Bank's operational performance continued to improve during the period. Operating
income rose 36% yoy to IDR 1.983 trillion, driven by growth, in both net interest income
and fee-based income. Net interest income grew 29% yoy to IDR 1.441 trillion, while
fee-based income grew 65% yoy to IDR 543 billion, supported by loan disbursement
amidst challenging macroeconomic conditions.
The increase in net profit is also directly correlated with increases in Net Interest Margin
(NIM), Return on Assets (ROA) and Return on Equity (ROE), which were recorded at
10.1%, 4.9% and 7.9%, respectively, representing increases of 120bps, 110 bps and 50 bps
compared to the same period last year.
The Bank's outstanding loans reached IDR 9.141 trillion at the end of FY25, driven by
growth in both Retail Banking and Wholesale Banking segments. The Bank continues to
demonstrate discipline in its loan quality, as reflected in Gross and Net Non-Performing
Loans (NPLs) of 1.6% and 0.6%, respectively. Meanwhile, its funding base is increasingly
diverse and continues to grow. Third Party Funds experienced a significant 56% yoy
increase to IDR 9.519 trillion, reflecting growing customer confidence.
The Bank maintained a strong capitalization ratio against Risk-Weighted Assets (RWA)
and ended the period with a Capital Adequacy Ratio (CAR) of 74.0%, well above the
regulatory minimum. The Bank's equity increased 3% yoy to IDR 7.509 trillion, growing
positively organically from retained earnings and current year’s income. This strong
equity position is highly supportive of the Bank's future growth aspirations and positions
Allo Bank as one of the best-capitalized digital-based commercial banks in Indonesia.
Commenting on this performance achievement, Ari Yanuanto Asah, Acting President
Director of Allo Bank, stated "Amidst challenging macroeconomic conditions, we are very
grateful that Allo Bank has been able to record competitive and sustainable growth, with
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a customer base that continues to exceed 14 million customers by the end of December
2025. Growth during the year 2025 continues the strong growth momentum we had in
2024."
During 2025, Allo Bank received various external recognitions, including two awards at
the Strategy and Performance Execution Excellence (SPEx2®) Awards 2025, themed
"Business Model Innovation in Uncertain Times," organized by Kontan Media and GML
Performance Consulting as The Best Execution Winner in the Digital Banking Industry and
a Special Recognition: Excellence in Product Strategy & Innovation for its Allo Grow
savings product. In addition, the Bank achieved a score of 9.47 (Very Good) in the
Financial Integrity Rating from the Financial Transaction Reports and Analysis Center
(PPATK) for KBMI 2 banks, which reflects a significant improvement from the previous
year's score of 7.85 (Good). The Financial Integrity Rating is a PPATK-conducted
assessment measuring how effectively Indonesian financial institutions prevent money
laundering and terrorism financing (APU PPT).
For further info please contact:
Stacey Suryoputro
Corporate Secretary & PMO
P: +62 21 5098 1399 (Hunting)
e: corsec@allobank.com
About PT Allo Bank Indonesia Tbk
PT Allo Bank Indonesia Tbk (“Allo Bank”) has grown into a leading digital-based commercial bank in the Indonesian banking sector. Allo stands for All in
One, which embodies the Bank’s aspiration for its customers to experience a Simple Life. Serving more than fourteen million customers, Allo Bank offers
a variety of innovative digital-based banking products and services including Allo Pay, Allo Pay+, Allo Prime, Allo Grow, PayLater and Instant Cash. Allo
Bank is a subsidiary of CT Corp, a leading integrated consumer-focused business group in Indonesia with diverse businesses in financial services, media,
retail, lifestyle and entertainment. Further information about the Bank is available on the website http://www.allobank.com.
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Allo Bank Percepat Momentum Positifnya
Sepanjang Tahun 2025
Jakarta — PT Allo Bank Indonesia Tbk ("Allo Bank" atau "Bank") hari ini mengumumkan
bahwa laba bersih setelah pajak (diaudit) tumbuh sebesar 23% year-on-year ("yoy")
menjadi Rp 574 miliar untuk tahun buku yang berakhir pada 31 Desember 2025 ("FY25"),
memenuhi tujuan Bank untuk menjalankan operasional bisnis secara menguntungkan
dengan menyediakan solusi perbankan yang disesuaikan bagi nasabah ritel, UMKM dan
korporat yang membutuhkan namun kurang terlayani.
Kinerja operasional Bank terus membaik selama periode tersebut. Pendapatan
operasional naik 37% yoy menjadi Rp 1,983 triliun, didorong oleh pertumbuhan
pendapatan bunga bersih maupun pendapatan berbasis biaya. Pendapatan bunga bersih
tumbuh 29% yoy menjadi Rp 1,441 triliun, sementara pendapatan berbasis biaya tumbuh
65% yoy menjadi Rp 543 miliar, didukung oleh penyaluran kredit di tengah kondisi
makroekonomi yang menantang.
Pertumbuhan laba bersih juga berkorelasi langsung dengan peningkatan Net Interest
Margin (NIM), Return on Asset (ROA), dan Return on Equity (ROE), yang tercatat
masing-masing sebesar 10,1%, 4,9%, dan 7,9%, yang mencerminkan peningkatan sebesar
120 bps, 110 bps, dan 50 bps dibandingkan periode yang sama tahun lalu.
Kredit yang disalurkan Bank tercatat sebesar Rp 9,141 triliun pada akhir tahun fiskal
2025, didorong oleh pertumbuhan baik di segmen Ritel dan Wholesale. Bank terus
menunjukkan disiplin dalam kualitas pinjamannya, sebagaimana tercermin dalam Gross
dan Net Non Performing Loan (NPL) masing-masing sebesar 1,6% dan 0,6%. Sementara
itu, basis pendanaan semakin beragam dan terus tumbuh. Dana Pihak Ketiga mengalami
peningkatan signifikan sebesar 56% secara tahunan menjadi Rp 9,519 triliun, yang
mencerminkan meningkatnya kepercayaan nasabah.
Bank mempertahankan tingkat permodalan yang kuat terhadap Aset Tertimbang Menurut
Risiko (ATMR) dan mengakhiri periode dengan Rasio Kecukupan Modal (CAR) sebesar
74,0%, jauh di atas ketentuan minimum regulator. Ekuitas Bank meningkat 3% yoy
menjadi Rp 7,509 triliun, mencerminkan pertumbuhan positif secara organik dari
perolehan laba ditahan dan laba berjalan. Posisi ekuitas yang kuat ini sangat suportif
untuk mendukung aspirasi pertumbuhan Bank di masa depan dan memposisikan Allo Bank
sebagai salah satu bank umum berbasis digital dengan permodalan terbaik di Indonesia.
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Mengomentari pencapaian kinerja ini, Ari Yanuanto Asah, Plt. Direktur Utama Allo Bank,
menyatakan, "Di tengah kondisi makroekonomi yang menantang, kami sangat bersyukur
bahwa Allo Bank mampu mencatat pertumbuhan yang kompetitif dan berkelanjutan,
dengan basis pelanggan yang terus melebihi 14 juta pelanggan pada akhir Desember
2025. Pertumbuhan selama tahun 2025 ini melanjutkan momentum pertumbuhan yang
kuat yang kami catatkan pada tahun 2024."
Sepanjang tahun 2025, Allo Bank menerima berbagai pengakuan eksternal, termasuk dua
penghargaan di ajang Strategy and Performance Execution Excellence (SPEx2®) Awards
2025, dengan tema “Business Model Innovation in Uncertain Times" yang diselenggarakan
oleh Media Kontan dan GML Performance Consulting sebagai The Best Execution Winner
in Digital Banking Industry dan Special Recognition: Excellence in Product Strategy &
Innovation untuk produk tabungan Allo Grow. Selain itu, Bank meraih skor 9,47 (Sangat
Baik) dalam Financial Integrity Rating dari Pusat Pelaporan dan Analisis Transaksi
Keuangan (PPATK) untuk kategori bank KBMI 2, yang mencerminkan peningkatan
signifikan dari skor tahun sebelumnya sebesar 7,85 (Baik). Financial Integrity Rating
adalah penilaian yang dilakukan oleh PPATK yang mengukur seberapa efektif lembaga
keuangan Indonesia mencegah aktivitas pencucian uang dan pendanaan terorisme (APU
PPT).
Untuk informasi lebih lanjut hubungi:
Stacey Suryoputro
Corporate Secretary & PMO
P: +62 21 5098 1399 (Hunting)
e: corsec@allobank.com
Tentang PT Allo Bank Indonesia Tbk
PT Allo Bank Indonesia Tbk (“Allo Bank”) telah berkembang menjadi bank umum berbasis digital terkemuka di sektor perbankan Indonesia. Allo adalah
singkatan dari All in One, yang mewujudkan aspirasi Bank bagi nasabahnya untuk Experience a Simple Life. Melayani lebih dari empat belas juta
nasabah, Allo Bank menawarkan berbagai produk dan layanan perbankan berbasis digital yang inovatif termasuk Allo Pay, Allo Pay+, Allo Prime,
AlloGrow, PayLater dan Instant Cash. Allo Bank adalah anak perusahaan dari CT Corp, sebuah grup bisnis terintegrasi terkemuka yang berfokus pada
konsumen di Indonesia dengan beragam usaha di layanan keuangan, media, ritel, gaya hidup dan hiburan. Informasi lebih lanjut tentang Bank tersedia
di situs web http://www.allobank.com.
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Bank Percepat Momentum Positifnya Sepanjang Tahun
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