The bank focuses on digital capability strengthening, product innovation, and continuous service quality improvement to build sustainable growth while remaining customer-centric. Credit distribution grew 5.5% year-on-year to Rp163.3 trillion, demonstrating solid retail and corporate lending momentum despite modest overall profit growth.
Cyborg Score Rationale
The bank reported net profit of Rp3.58 trillion in 2025, representing only 0.6% year-on-year growth, indicating earnings pressure in a competitive market. However, strong non-interest income growth and consistent credit expansion suggest underlying operational health and digital transformation benefits.
Top Insights
Non-interest income surged 34.1% to Rp2.6 trillion, driven by expanding fee-generating services
Stock outperformed Indonesian banking sector (-10.5%) and broader market (-2.2%) over the past year
Acquired by Bangkok Bank Public Company Ltd in 2020, providing capital and regional synergy benefits
Products include PermataTabungan, Permata e-Banking, trade services, and investment banking
Named Competitors
Bank Mandiri — Indonesia's largest state-owned bank with broad market reach
BNI — Major state-owned universal bank with extensive branch network
BCA — Leading private bank focused on premium retail and corporate segments
Bank Rakyat Indonesia — Large state-owned bank with strong SME and microfinance operations
Recent Developments
(February 2026) Announced 2025 net profit of Rp3.58 trillion with modest 0.6% YoY growth despite solid operational progress
(February 2026) Non-interest income grew 34.1% to Rp2.6 trillion, reflecting successful fee and service diversification
(September 2025) Stock price reached all-time high of 5,500 IDR, outperforming Indonesian banking sector
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