20250314_BBKP_Laporan Informasi dan Fakta Material_31869019_lamp1.pdf

                                                                            PRESS RELEASE


Sejumlah perbaikan fundamental tersebut, These fundamental improvements enabled the
menjadikan emiten berkode saham BBKP ini issuer with the stock code BBKP to record a net
mampu membukukan pendapatan bunga bersih interest income (NII) of IDR 909 billion, growing
(NII) sebesar Rp909 miliar atau tumbuh 49,20% by 49.20% year-on-year. This growth was driven
secara year-on-year. Pertumbuhan ini ditopang by a 12.20% increase in interest income,
dari peningkatan pendapatan bunga sebesar balanced by controlled interest expenses, which
12,20% dan diimbangi dengan pengendalian rose by 6.17%. As a result, KB Bank improved
beban bunga yang meningkat sebesar 6,17%. its net interest margin (NIM) to 1.31% from
Dengan catatan ini KB Bank dapat memperbaiki 0.78% in the previous year. Additionally, KB
margin bunga bersih (NIM) menjadi 1,31% dari Bank successfully reduced other operating
0,78% pada tahun sebelumnya. Selain itu, KB expenses by 11.94% to IDR 1.80 trillion in 2024
Bank juga mampu menekan beban operasional from IDR 2.04 trillion in 2023. This marks the first
lainnya sebesar 11,94% menjadi Rp1,80 triliun di time since 2012 that other operating expenses
tahun 2024 dari Rp2,04 triliun pada tahun 2023. have been kept below IDR 2 trillion.
Jumlah beban operasional lainnya yang mampu
ditekan hingga di bawah Rp2 triliun ini
merupakan kali pertama sejak tahun 2012.

Direktur Utama KB Bank, Tom (Woo Yeul) Lee President Director of KB Bank, Tom (Woo Yeul)
menyampaikan, “KB Bank telah melalui berbagai Lee stated, “KB Bank has overcome significant
tantangan yang berat dalam perjalanan challenges in its transformation journey toward
transformasinya menuju lembaga keuangan becoming a healthy financial institution. We
yang sehat. Kami percaya bahwa KB Bank telah believe the Bank has passed the most difficult
melalui bagian tersulit dari perjalanan tersebut phase and is now ready to deliver positive
dan bersiap untuk meraih kinerja positif dan performance and sustainable growth. We extend
pertumbuhan          berkelanjutan.        Kami our gratitude to our shareholders, customers,
menyampaikan rasa terima kasih atas berbagai and all stakeholders for their continued trust and
dukungan dan kepercayaan penuh dari support, as well as to our employees for their
pemegang saham, nasabah, dan seluruh dedication throughout this transformation
pemangku kepentingan serta dedikasi dari journey.”
seluruh karyawan, yang terus menyertai dalam
perjalanan transformasi kami selama ini.”

Siapkan Fondasi yang Solid              untuk Laying a Solid Foundation for Profitability
Mendukung Profitabilitas di 2025              in 2025

Sepanjang tahun 2024, KB Bank membukukan         Throughout 2024, KB Bank recorded a net loss
rugi bersih sebesar Rp7,38 triliun. Adapun       of Rp7.38 trillion, primarily due to non-recurring
kerugian ini sebagian besar disebabkan adanya    expenses incurred as part of its strategy to
pencatatan beban non-recurring yang diperlukan   achieve profitability in 2025.
untuk       mempersiapkan     langkah  menuju
profitabilitas di tahun 2025.

Beban    non-recurring   tersebut   mencakup The       non-recurring    expenses     include   the

                                                                                                        PRESS RELEASE


pencatatan beban pajak tangguhan (deferred recognition of deferred tax expenses amounting
tax) sebesar Rp1,42 triliun, yang berkaitan to IDR 1.42 trillion, related to the potential future
dengan potensi pemulihan Pajak Penghasilan recovery of Income Tax (PPh) due to unutilized
(PPh) di masa depan akibat akumulasi rugi pajak tax loss carryforwards. Additionally, KB Bank
yang belum dikompensasi. Selain itu, KB Bank recorded an impairment from the revaluation of
juga membukukan pencadangan (impairment) its subsidiary amounting to IDR 1 trillion as a
dari revaluasi anak usaha sebesar Rp1 triliun strategic measure to strengthen its balance
sebagai langkah strategis untuk memperkuat sheet. These charges do not affect KB Bank's
neraca keuangan. Pembebanan ini sendiri tidak capital structure.
mempengaruhi struktur permodalan dari KB
Bank.

“Dengan berbagai pencapaian positif dan “With these positive achievements and strategic
langkah-langkah strategis ini, kami optimis KB measures, we are optimistic that KB Bank will
Bank dapat mencatatkan laba bersih di tahun deliver a net profit in 2025 and become one of
2025 dan menjadi salah satu layanan perbankan the leading banking services in the future,” Tom
terbaik kedepannya,” pungkas Tom.              concluded.

                                                                 ***

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 September 2024, KBFG holds
US$910 billion in assets, 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