20250729_BBKP_Laporan Informasi dan Fakta Material_31928111_lamp1.pdf

                                                                            PRESS RELEASE


5,30% dari 5,35% mencerminkan pengelolaan environment.
dana yang kian efisien di tengah kondisi pasar
yang ketat.

Kualitas aset KB Bank menunjukkan tren yang KB Bank’s asset quality continued to show a
membaik secara berkelanjutan. Rasio kredit sustained improving trend. The Loan at Risk
berkualitas rendah (Loan at Risk/LAR) turun (LAR) ratio declined to 24.07% from 26.86%,
menjadi 24.07% dari 26,86%, sementara jumlah while the amount of gross Non-Performing Loans
portofolio kredit bermasalah (Non-Performing (NPL) decreased by 5.47% year-on-year in the
Loan/NPL) bruto turun sebesar 5,47% yoy pada first half of 2025.
Semester I/2025.


Likuiditas Kian  Solid,          Pertahankan Solid   Liquidity, Supports               Ongoing
Momentum Turnaround                          Turnaround Momentum

Likuiditas KB Bank tercatat tetap solid pada KB Bank maintained solid liquidity in the first half
Semester I/2025, tercermin dari pertumbuhan of 2025, as reflected by a 15.87% yoy growth in
Dana Pihak Ketiga (DPK) berbasis giro dan third-party funds (DPK) from current and savings
tabungan     (Current    Account      Savings accounts (CASA). This growth contributed to an
Account/CASA) sebesar 15,87% yoy, yang increase in the CASA ratio to 31.49%, up from
mendorong peningkatan rasio CASA menjadi 27.30% in the same period last year.
31,49% dari 27,30% pada periode yang sama
tahun sebelumnya.

Lebih lanjut, guna memperkuat fundamental Furthermore, to strengthen its long-term
jangka panjang, pada akhir Semester I/2025, KB fundamentals, KB Bank received an additional
Bank telah menerima tambahan modal sebesar capital injection of IDR 3 trillion at the end of the
Rp3 triliun dari KB Kookmin Bank Co., Ltd selaku first half of 2025 from its parent company and
induk dan pemegang saham pengendali. controlling shareholder, KB Kookmin Bank Co.,
Tambahan permodalan ini telah mendapatkan Ltd. This additional capital has been approved by
persetujuan dari Otoritas Jasa Keuangan (“OJK”) the Financial Services Authority (“OJK”) to be
untuk dikategorikan sebagai Tambahan Modal Inti classified as Additional Tier 1 Capital, helping
(Additional Tier 1 Capital), sehingga menjaga maintain KB Bank’s Capital Adequacy Ratio
rasio kecukupan modal (CAR) KB Bank stabil di (CAR) at a stable level of 16.68%. This support
kisaran 16,68%. Dukungan ini memperkuat enhances the Bank’s capacity for future
kapasitas ekspansi bank ke depan, sekaligus expansion and reflects the shareholder’s strong
mencerminkan komitmen pemegang saham commitment                   to   KB     Bank’s   long-term
dalam mendukung transformasi jangka panjang. transformation journey.

Wakil Direktur Utama KB Bank, Robby Mondong, Vice President Director of KB Bank, Robby
menyampaikan, “Dengan dukungan kuat dari Mondong, stated, “With strong support from our
pemegang saham, kualitas aset yang terus shareholders, continued improvement in asset
membaik, dan prospek pelonggaran suku bunga quality, and the prospect of a benchmark interest
acuan dari Bank Indonesia, KB Bank optimis rate cut by Bank Indonesia, KB Bank is optimistic

                                                                                                         PRESS RELEASE


berada     pada   jalur  yang     tepat    untuk                    about being on the right track to accelerate
mengakselerasi kinerja pada paruh kedua 2025.                       performance in the second half of 2025. We will
Kami akan terus memperkuat fokus pada                               continue to strengthen our focus on digital-driven
pertumbuhan     berbasis    digital,    ekspansi                    growth and expand cross-segment cross-selling
cross-selling antar segmentasi bisnis, guna                         to build long-term differentiation and profitability.”
membangun diferensiasi dan profitabilitas jangka
panjang.”

Dengan fundamental yang semakin solid, KB With increasingly solid fundamentals, KB Bank
Bank akan terus memperkuat fokus pada will continue to strengthen its focus on
pertumbuhan          berkelanjutan       melalui sustainable   growth    through    digitalization,
pengembangan digitalisasi, penguatan basis expansion of its retail and commercial customer
nasabah ritel dan komersial, serta optimalisasi base, and optimization of synergies within the KB
sinergi dengan ekosistem KB Financial Group.     Financial Group ecosystem.

                                                                 ***

About KB Bank
KB Bank was established on July 10, 1970. Following approval from the Financial Services Authority (OJK), the Bank officially changed
its name from PT Bank Bukopin Tbk to PT Bank KB Bukopin Tbk on February 23, 2021, marking its integration into KB Financial Group
(KBFG)—South Korea’s largest financial institution—through KB Kookmin Bank. As of December 2024, KBFG holds approximately
US$950 billion in assets (including AUM), reinforcing its strong financial capacity to support KB Bank’s development. KB Kookmin Bank,
serving 70% of South Korea’s population, is recognized as the country’s top banking institution, with the highest credit rating among
South Korean banks and a track record of profitability, stability, and solid financial performance. As of December 2024, KB Bank’s
shareholding structure consists of KB Kookmin Bank (66.88%), STIC Eugene Star Holdings Inc. (16.98%), and the public (16.14%).

Corporate Relations Department
Media Communication
KB Bank Head Office, Jl. MT. Haryono Kav. 50-51 Jakarta Selatan - Indonesia 12770
Phone: +62 21 7988266
Email: medcomm@kbbank.co.id