JAKARTA - PT Bank Syariah Indonesia Tbk (BSI) managed to distribute financing of IDR 278.48 trillion or grew 15.88 percent yoy.
Based on the segment, the financing disbursed by BSI to the wholesale segment reached IDR 77.22 trillion or grew 14.38 percent yoy, followed by the retail segment of IDR 49.38 trillion, an increase of 16.86 percent yoy.
In addition, financing for the consumer segment was recorded at IDR 151.88 trillion, an increase of 16.34 percent yoy.
"This BSI has an extraordinary strong demand side, for that we continue to improve and improve the supply side. This supply is from the product side to the distribution channel, not only the branch but also channel electronics such as ATMs, mobile banking, QRIS and others," said BSI President Director Hery Gunardi, Thursday, February 6.
Proper financing management has an impact on improving the quality of the disbursed financing. As of the end of 2024, the ratio of BSI gross non-performing financing (NPF) improved to 1.90 percent.
The company's Cost of credit (CoC) also improved at the level of 0.83 percent in 2024.
For shareholders, the company also scored an attractive yield ratio, which can be seen from the return on equity (ROE) figure of 17.77 percent. BSI closed 2024 with an increase in assets of 15.55 percent to Rp408.61 trillion.
The company's return on asset (ROA) ratio in 2024 is at the level of 2.49 percent.
Hery emphasized that solid financial ratio is the key to achieving positive performance.
"A number of other financial indicators show performance achievements that are no less solid, which support the achievement of the bottom line," he continued.
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BSI also contributed to carrying out green activities, including the distribution of sustainable financial financing reaching IDR 66.50 trillion, up from IDR 57.7 trillion in 2023.
BSI's sustainable financing portfolio is supported by social financing which reaches IDR 52.40 trillion and sustainable natural resource financing (green financing) of IDR 14.10 trillion.
BSI also succeeded in issuing sukuk sukuk sukuk phase I worth IDR 3 trillion.
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