PT Bank Sahabat Sampoerna (Bank Sampoerna) posted a net profit after tax of IDR 10.7 billion until the end of the third quarter of 2025, with a net interest margin (NIM) maintained at the level of 4.4 percent.
In terms of intermediation, Bank Sampoerna distributed loans totaling Rp11.5 trillion in the same period, with the majority of them or as much as 64.53 percent being distributed to MSME actors.
"MSMEs are an integral part of our business. Through the various initiatives we carry out, we hope to continue to provide added value for customers, as well as create a positive impact on the MSME sector as a pillar of national economic resilience," said Bank Sampoerna CEO Ali Yong in a written statement, Monday, November 10.
Director of Finance & Business Planning at Sampoerna Henky Suryaputra said that the tough challenges and market competition this year have made lending to MSMEs difficult.
However, his party is also aware that MSME actors have a strong will to continue to rise and grow. Therefore, the ease of access to financing is a key factor for the sustainability of MSME actors.
"We continue to conduct periodic reviews of the ability of MSME actors to absorb credit disbursement and with challenges that are not easy, we remain committed to helping MSME players grow. This is the business sector that is the backbone of the Indonesian economy and their business existence greatly affects national economic growth," said Henky.
In addition to the challenges on the credit side, the company noted that the key factor for support for other MSME actors is maintaining a healthy cash flow.
Armed with synergies and the implementation of digitalization in various services, Bank Sampoerna is committed to strengthening cash flow while at the same time encouraging the business sustainability of MSME actors.
Furthermore, in terms of funding, the collection of third party funds (DPK) of Bank Sampoerna was recorded at IDR 13 trillion, dominated by deposit funds from customers which reached IDR 10.5 trillion.
The accumulation of the DPK was also influenced by the composition of low-cost funds (CASA) at the end of the third quarter of 2025 which amounted to 19.2 percent or an increase of 4.8 percent on an annual basis (year on year / yoy).
Henky also noted that the balanced distribution of credit and collection of DPK contributed to the ratio of loan to deposit ratio (LDR).
Until the end of September 2025, corporate LDR reached 88.30 percent, an increase of 3.8 percent compared to the same period in the previous year of 84.5 percent, reflecting the healthy condition of bank liquidity.
Bank Sampoerna ensures that credit quality is well maintained, where the gross non-performing loan (NPL) ratio is recorded at 4.12 percent and NPL net at 2.45 percent until the end of September 2025.
The bank has established strategic partnerships with more than 50 fintech companies, multifinance companies, cooperatives, and other financial institutions to support MSMEs.
BACA JUGA:
This form of collaboration is realized through the provision of Bank as a Service (BaaS) services which provide positive results, with the expansion of the reach of banking services to remote areas of the country.
As a result, it is reflected in the increase in the use of virtual account services, payments through QRIS, and transfers of funds through partners (host-to-host funds transfer) reaching 331 million transactions with a total value of IDR 102 trillion until September 2025.
The number of these transactions, noted Bank Sampoerna, increased 16 times compared to the number of transactions in the same period in 2024.
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