Bank Riau Kepri Syariah Financial Highlights for Q3 2025

Strong Profitability Growth

PT Bank Pembangunan Daerah Riau Kepri Syariah recorded a net profit of Rp218.20 billion for the nine months ending September 2025, representing a 3.46% year-on-year increase compared to Rp210.90 billion in the same period last year. This growth was supported by a 10.05% YoY rise in revenue from fund distribution to Rp1.85 trillion, driven by the bank's expanded financing activities.

Key Financial Metrics

The bank demonstrated robust financial performance across several key metrics:

• Revenue Growth: Total revenue from fund distribution reached Rp1.85 trillion, up from Rp1.68 trillion in Q3 2024
• Profit Sharing: Distribution to investment fund owners increased by 8.37% YoY to Rp736.38 billion
• Operational Efficiency: Cost-to-income ratio improved to 84.63% from 89.35% previously
• Asset Quality: Gross NPF at 2.61%, net NPF at 0.53%
• Capital Adequacy: KPMM ratio stood at a strong 20.69%

Business Performance

The bank's financing activities remained robust with total profit-sharing financing reaching Rp10.38 trillion as of September 2025. On the liabilities side, the bank successfully mobilized Rp1.51 trillion in wadiah deposits, comprising Rp114.72 billion in current accounts and Rp1.39 trillion in savings deposits.

Operational Highlights

Key operational metrics showed mixed results:

• Net Operating Margin (NOM) slightly decreased to 0.93% from 0.97% previously
• Operating Profit reached Rp298.88 billion, a 2.21% YoY increase
• Pre-tax Profit stood at Rp279.74 billion, up 3.46% YoY

The bank's financial performance reflects its resilience in the current economic environment while maintaining strong regulatory compliance and operational efficiency.