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20250731_BGTG_Laporan Informasi dan Fakta Material_31928973_lamp1.pdf
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Page 1
SIARAN PERS
Kinerja Keuangan PT Bank Ganesha Tbk
Semester I tahun 2025
‘’Kinerja Bank Ganesha terus bertumbuh di Semester I/2025, laba bersih meningkat 78% secara year-
on-year (YoY)”.
Jakarta – Di tengah perekonomian Indonesia yang masih stagnan sepanjang semester I/2025, kinerja
keuangan Bank Ganesha (“Perseroan”) sampai dengan pertengahan tahun 2025 ini masih dapat
mencatatkan pertumbuhan laba bersih sebesar 78,30% secara year-on-year (YoY), dibandingkan
semester I/2024.
Dari sisi Total Aset, Aset Perseroan tumbuh sebesar 1,04% YoY dibandingkan tahun yang sama
sebelumnya menjadi sebesar Rp9,21 triliun. Sedangkan dari sisi penyaluran kredit tercatat sebesar
Rp4,71 triliun, meningkat 7,68% secara YoY. Namun, untuk penghimpunan Dana Pihak Ketiga (DPK)
mengalami penurunan sebesar -2,74% secara YoY menjadi sebesar Rp5,51 triliun.
Dari sisi rasio rentabilitas, Perseroan mencatatkan peningkatan Return on Asset (ROA) dan Return on
Equity (ROE) masing-masing menjadi sebesar 2,87% dan 6,35% YoY atau meningkat dibandingkan
periode yang sama tahun sebelumnya, yaitu sebesar 1,69% dan 3,83%. Sedangkan untuk Net Interest
Margin (NIM), mengalami penurunan menjadi sebesar 4,80% YoY dibandingkan periode yang sama
tahun sebelumnya. Dari sisi rasio kredit bermasalah, NPL gross mengalami peningkatan dari 1,42% di
semester I tahun 2024 menjadi 2,11% di semester I tahun 2025, namun dengan pencadangan yang
cukup, Perseroan dapat menjaga rasio NPL net di angka 0,00%. Dengan demikian, per Juni 2025
Perseroan dapat membukukan laba setelah pajak menjadi sebesar Rp107,45 milyar atau meningkat
78,30% YoY dibandingkan periode yang sama tahun sebelumnya.
Sejalan dengan arah stratejik Perseroan untuk mengembangkan layanan perbankan berbasis digital dan
untuk memberikan pelayanan yang terbaik bagi nasabah, maka Perseroan telah menghadirkan aplikasi
mobile banking terbaru; dengan nama ”NEW BANGGA”; yang sudah dapat dinikmati oleh seluruh
nasabah Bank Ganesha saat ini (hadir di Google apps store dan IOS store sejak Juli 2025). Dua fitur
utama dari NEW BANGGA adalah Digital Onboarding dan Spending Tracker. Dimana dengan Digital
Onboarding, maka calon nasabah Bank Ganesha bisa melakukan pembukaan rekening secara online dan
langsung melalui mobile banking Bank Ganesha. Sedangkan melalui fitur Spending Tracker, maka
nasabah bisa melakukan pemantauan terhadap pengeluaran pribadi dan melakukan percencanaan
anggaran keuangan pribadi. Fitur layanan utama perbankan seperti BI-FAST, QRIS, dan lainnya juga
sudah terdapat di NEW BANGGA. Melalui pengembangan dan penambahan fitur-fitur tersebut
diharapkan dapat memberikan kemudahan bagi nasabah dalam bertansaksi.
Tentang Bank Ganesha
Bank Ganesha merupakan bank swasta Nasional yang beroperasi sejak 30 April 1992 dan memperoleh status Bank
Devisa sejak 12 September 1995. Bank Ganesha menjadi perusahaan terbuka dan tercatat di Bursa Efek Indonesia
sejak 12 Mei 2016 dengan kode emiten: BGTG. Sejak tahun 2018, Bank Ganesha telah memberikan layanan digital
dengan menghadirkan internet/mobile banking yang dinamakan “BANGGA” dan telah berkembang menjadi “NEW
BANGGA” di tahun 2025 dengan pengembangan berbagai fitur. Per 30 Juni 2025, Bank Ganesha telah memiliki
jaringan 6 kantor cabang dan 5 kantor capem yang berlokasi di Jakarta, Tangerang dan Surabaya.
Informasi lebih lanjut:
PT Bank Ganesha Tbk
Corporate Secretary
Email: corpsect@bankganesha.co.id
website: www.bankganesha.co.id
Page 2
PRESS RELEASE
Financial Performance of PT Bank Ganesha Tbk
First Semester of 2025
“Bank Ganesha's performance continued to grow in the first half of 2025, with net profit increasing
78% year-on-year (YoY).”
Jakarta – Amidst Indonesia's stagnant economy throughout the first half of 2025, Bank Ganesha's (“the
Company”) financial performance up to mid-2025 still managed to record a 78.30% year-on-year (YoY)
growth in net profit compared to the first half of 2024.
In terms of Total Assets, the Company’s assets grew by 1.04% YoY compared to the same period last
year, reaching Rp9.21 trillion. Meanwhile, credit disbursement stood at Rp4.71 trillion, increasing by
7.68% YoY. However, third-party funds (TPF) decreased by -2.74% YoY to Rp5.51 trillion.
In terms of profitability ratios, the Company recorded an increase in Return on Assets (ROA) and Return
on Equity (ROE) to 2.87% and 6.35% YoY, respectively, up from 1.69% and 3.83% in the same period last
year. Meanwhile, the Net Interest Margin (NIM) decreased to 4.80% YoY compared to the same period
last year. In terms of non-performing loan ratios, the gross NPL ratio increased from 1.42% in the first
half of 2024 to 2.11% in the first half of 2025. However, with sufficient provisions, the Company was
able to maintain the net NPL ratio at 0.00%. As of June 2025, the Company recorded a net profit of
Rp107.45 billion, an increase of 78.30% YoY compared to the same period last year.
In line with the Company's strategic direction to develop digital-based banking services and to provide
the best service to customers, the Company has launched its latest mobile banking application, named
“NEW BANGGA,” which is now available to all Bank Ganesha customers (available on Google Apps Store
and iOS Store since July 2025). The two main features of NEW BANGGA are Digital Onboarding and
Spending Tracker. With Digital Onboarding, prospective Bank Ganesha customers can open an account
online directly through Bank Ganesha's mobile banking app. Meanwhile, the Spending Tracker feature
allows customers to monitor their personal expenses and plan their personal financial budgets. Key
banking services such as BI-FAST, QRIS, and others are also available on NEW BANGGA. The
development and addition of these features are expected to provide greater convenience for customers
in conducting transactions.
About Bank Ganesha
Bank Ganesha is a national private bank that has been operating since April 30, 1992, and obtained its foreign
exchange bank status on September 12, 1995. Bank Ganesha became a public company and has been listed on the
Indonesia Stock Exchange since May 12, 2016, with the issuer code: BGTG. Since 2018, Bank Ganesha has provided
digital services through its internet/mobile banking platform named “BANGGA,” which has evolved into “NEW
BANGGA” by 2025 with the development of various features. As of June 30, 2025, Bank Ganesha has a network of 6
branches and 5 sub-branches located in Jakarta, Tangerang, and Surabaya.
Further information:
PT Bank Ganesha Tbk
Corporate Secretary
Email: corpsect@bankganesha.co.id
Website: www.bankganesha.co.id
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