Growing in Every Aspect, Krom Bank Records Positive Performance Throughout 2025

Photo: Krom Bank

JAKARTA - PT Krom Bank Indonesia Tbk (Krom Bank/IDX: BBSI), announced the achievement of positive performance throughout 2025 or the fiscal year period ending December 31, 2025. Krom Bank, strengthened its position as a trusted digital bank in Indonesia which managed to book assets of IDR 12.21 trillion year-on-year (Y-o-Y) up significantly 84 percent or almost doubled compared to 2024 of IDR 6.65 trillion which was driven by the growth of the Bank's credit distribution.

This reflects the success of the company's strategy in expanding innovative, safe, and easily accessible digital financial services to the wider community. Krom Bank President Director, Anton Hermawan, said that this achievement was the result of the company's consistency in innovating and understanding customer needs.

"We are grateful for the positive performance achieved throughout 2025. This is proof that digital transformation in the banking sector continues to receive a good response from the community," he said in a written statement, Monday, April 6.

In line with the growth of Assets, the Bank's Liabilities also grew positively almost twofold, which came from an increase in Third Party Funds (DPK) which reached IDR 8.39 trillion (YoY) or grew 165 percent compared to the same period last year of IDR 3.15 trillion. This is driven by the increasing public confidence in digital banking services and Krom Bank's commitment to providing a superior and fast user experience.

In addition, Krom Bank continues to record positive growth in a number of key indicators, including net interest income (audited) increased 92 percent (Y-o-Y) to Rp1.85 trillion in 2025 from Rp965 billion in 2024, in line with the significant growth in credit distribution. Krom Bank's credit distribution was recorded at Rp8.63 trillion or grew 103 percent compared to the same period last year of Rp4.24 trillion.

"Through our flagship products, namely Savings, Krom Max, and Krom Flex, we offer a more stable and affordable investment alternative. With a fixed and competitive return scheme, this instrument provides certainty of return and becomes a rational choice for people who want to manage assets with more controlled risk in economic phases such as today," said Anton.

In the period ending December 31, 2025, Net Profit managed to increase by IDR 143 billion (YoY) or grew 16 percent compared to 2024 of IDR 124 billion. The profit growth was driven by the distribution of Credit which grew impressively and the effectiveness of the credit channeling strategy with partners. As is known, this Digital Bank has consistently recorded positive profits since it was first acquired in 2022.

Krom Bank also continues to strengthen its technology infrastructure and improve its security system to ensure maximum comfort and protection for all customers. Krom Bank has implemented and has ISO/IEC 27001 certificates which are international standards for Information Security Management Systems and ISO/IEC 27701 certificates which are international standards for Privacy Information Management Systems which focus on the management of personal data, in the Bank's operations, this includes customer data security.

Various new features launched throughout the year also provide added value, including ease of transaction, more practical financial management, and increasingly personalized services.

In terms of financial inclusion, Krom Bank is actively involved in reaching segments of the community that have not been optimally served by conventional banking services. With a digital-first approach, Krom Bank is able to provide more inclusive and efficient financial solutions.

In 2026, Krom Bank is optimistic that it can maintain a positive growth trend. The company is committed to continuing to bring sustainable innovation, expanding the digital ecosystem, and strengthening strategic collaboration with various partners.