Bank Woori Maintains Financial Stability Through Strategic Fund Management

Effective Balance Between Low-Cost Funds and Term Deposits

PT Bank Woori Saudara Indonesia 1906 Tbk. (SDRA) has successfully maintained a stable Net Interest Margin (NIM) of 3.23% as of September 2025, despite the challenging liquidity environment and intense competition in the banking sector. This stability was achieved through careful management of the balance between low-cost funds and term deposits with competitive interest rates.

Financial Performance Highlights

The bank's net interest income for the period January-September 2025 reached Rp1.29 trillion, showing a slight decrease from Rp1.31 trillion in the same period last year. Total third-party funds grew by 2.8% year-on-year to Rp32.42 trillion, primarily supported by an 11.1% increase in time deposits to Rp24.37 trillion. Although the proportion of low-cost funds (CASA) decreased, the overall cost of funds was effectively managed.

Strategic Financial Management

Analysts from Phintraco Sekuritas noted that SDRA's strategy of combining short-term low-cost funds and medium-term deposits with competitive interest rates helped mitigate funding costs without compromising liquidity. The bank's loan portfolio stood at Rp46.1 trillion as of September 2025, with a Gross NPL ratio of 2.35% and Net NPL ratio of 1.28%, indicating effective credit risk management.

Strong Capital Position

The bank maintains a robust capital position with a Capital Adequacy Ratio (CAR) of 32.25% and Common Equity Tier 1 (CET1) of 31.09%, significantly above the minimum regulatory requirements. This strong capital base provides the bank with the flexibility to pursue growth opportunities while maintaining long-term profitability.