20250501_BBKP_Laporan Informasi dan Fakta Material_31881032_lamp1.pdf

                                                                                PRESS RELEASE


mencatatkan pertumbuhan 12,14%, dan segmen the MSME segment with 3.29% growth. Overall,
UMKM yang tumbuh 3,29%. Secara keseluruhan, the performing loan portfolio grew by 14.87%
portofolio kredit lancar tumbuh sebesar 14,87% year-on-year.
secara tahunan.

Pertumbuhan kredit yang berkualitas ini turut      This quality loan growth also contributed to an
mendongkrak pendapatan bunga bersih menjadi        increase in net interest income, which rose to IDR
Rp184 miliar, naik 11,19% dibandingkan periode     184 billion—an increase of 11.19% compared to
yang sama tahun lalu. Sejalan dengan itu, margin   the same period last year. In line with this, the net
bunga bersih (NIM) juga membaik menjadi 1,09%      interest margin (NIM) also improved to 1.09%, up
dari sebelumnya 0,94%.                             from 0.94% previously.

Perbaikan kualitas aset berlanjut secara Asset quality continued to improve consistently.
konsisten. Rasio kredit berkualitas rendah (LAR) The loan-at-risks ratio (LAR) dropped significantly
turun signifikan menjadi 23,41% dari 34,33% to 23.41% from 34.33% in the same period last
pada periode yang sama tahun lalu. Rasio kredit year. The gross non-performing loan (NPL) ratio
bermasalah (NPL) bruto juga menunjukkan tren also showed a positive trend, improving to 9.10%
perbaikan, membaik menjadi 9,10% dari from 9.92% previously.
sebelumnya 9,92%.

KB Bank juga mencatat penguatan likuiditas KB Bank also recorded a strengthening in
dengan pertumbuhan Dana Pihak Ketiga (DPK) liquidity with Third-Party Funds (DPK) growing by
sebesar 10,86% secara year-on-year menjadi 10.86% year-on-year to Rp43.83 trillion in the
Rp43,83 triliun pada Kuartal I/2025. Pertumbuhan first quarter of 2025. This growth was mainly
ini terutama didorong oleh peningkatan dana driven by an increase in low-cost funds (CASA),
murah (CASA) sebesar 16,83% year-on-year, dari which rose by 16.83% year-on-year from
Rp10,60 triliun menjadi Rp12,38 triliun.         Rp10.60 trillion to Rp12.38 trillion.

Dorong Efisiensi Operasional dan Inovasi           Driving    Operational          Efficiency      and
                                                   Innovation

Menutup Kuartal I/2025, KB Bank juga berhasil At the close of Q1/2025, KB Bank successfully
menyelesaikan proses migrasi sistem core completed the migration of its core banking
banking ke platform Next Generation Banking system to the Next Generation Banking System
System (NGBS). Migrasi core banking ke NGBS (NGBS) platform. This migration paves the way
membuka ruang efisiensi operasional bagi KB for greater operational efficiency, as NGBS offers
Bank kedepannya, dimana NGBS memberikan improved data integration, enabling faster and
integrasi data yang lebih baik sehingga more strategic decision-making.
memungkinkan pengambilan keputusan strategis
yang lebih cepat.

Dengan infrastruktur yang terintegrasi, KB Bank With integrated infrastructure, KB Bank is able to
dapat memenuhi kebutuhan layanan perbankan meet customer banking needs more quickly,
bagi nasabah dengan lebih cepat, hingga delivering innovations and solutions with a more
menghadirkan inovasi dan solusi dengan personalized experience, in line with global

                                                                                                         PRESS RELEASE


pengalaman yang lebih personal selaras dengan standards and the DNA of KB Financial Group.
standar global dan DNA KB Financial Group.

Woo Yeul Lee menambahkan bahwa dengan Woo Yeul Lee added that with the successful
keberhasilan migrasi ke NGBS dan dukungan migration to NGBS and robust technological
teknologi yang mumpuni, KB Bank siap support, KB Bank is ready to enter a new phase
memasuki babak baru pertumbuhan yang of sustainable growth. "We are committed to the
berkelanjutan. “Kami memiliki komitmen jangka long term in Indonesia, and this year’s early
panjang di Indonesia, dan kinerja awal tahun ini performance is the first step in a larger journey.
adalah langkah awal dari perjalanan yang lebih With a focused strategy, disciplined execution,
besar. Dengan strategi yang terfokus, eksekusi and an advanced digital system, we are ready to
yang disiplin, serta sistem digital yang unggul, create the next leap in growth," he emphasized.
kami siap menciptakan lompatan pertumbuhan
berikutnya,” tegasnya.


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PT Bank KB Bukopin Tbk
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