BSI Achieves Strong Q3 2025 Performance with Rp5.57 Trillion Net Profit

Solid Financial Growth

PT Bank Syariah Indonesia Tbk (BSI) has reported a net profit of Rp5.57 trillion for the third quarter of 2025, demonstrating robust financial performance. The growth was primarily driven by the bank's gold and hajj business segments, which continue to show significant momentum.

Key Financial Highlights

• Third-party funds (DPK) grew by 15.66% YoY to reach Rp348.38 trillion as of Q3 2025
• Low-cost funds (CASA) comprised 59.42% of total DPK, with:
  • Savings accounts: 41.95% (Rp146.36 trillion)
  • Current accounts: 17.41% (Rp60.64 trillion)
  • Deposits: 40.58% (Rp141.38 trillion)
• Total assets increased by 12.37% to Rp416 trillion
• Financing grew by 12.65% YoY to Rp300.85 trillion

Business Segment Performance

1. Retail Financing: Rp217.86 trillion (72.42% of total financing)

   • Strong growth in gold financing: 72.82% YoY increase to Rp18.76 trillion
   • Gold installment financing: Rp10.32 trillion (106.36% YoY growth)
   • Gold pawning: Rp8.44 trillion (44.19% YoY growth)
   • Gold savings accounts: 1.15 tons under management

2. Wholesale Financing: Rp82.89 trillion (27.58% of total financing)

   • Supported by sectors like telecommunications, agribusiness, and transportation

Digital Transformation Success

BSI's digital initiatives have been a key growth driver:

• BYOND by BSI users grew to 5.23 million (164% YtD increase)
• 5,859 ATM/CRM machines deployed
• 126,000 BSI agents across the network
• 22,000 BSI EDC machines
• 527,000 merchants using BSI QRIS
• 34,000 users of BEWIZE by BSI digital platform

Asset Quality

The bank maintained strong asset quality with Gross NPF at 1.86%, better than both previous periods and industry average. This performance reflects effective risk management practices and robust underwriting standards.

Recognition and Awards

BSI was honored with the 'Bank with Sustainable Profit Growth' award at the detikcom Awards 2025, held at The Westin Jakarta on November 25, 2025. This recognition highlights the bank's consistent financial performance and successful digital transformation journey.