Krom Bank Strengthens Digital Banking Position with Solid Performance
Executive Summary
Key insights and market outlook
Krom Bank has recorded solid financial performance as of November 2025, with 175% YoY growth in Third-Party Funds (DPK) to Rp7.87 trillion and 121% YoY growth in credit disbursement to Rp8.40 trillion. The bank's strategic partnership with AWS enhances data security and supports digital expansion. Krom Bank plans to focus on product innovation, cybersecurity, and service quality improvement in the coming year.
Deep Dive Analysis
Krom Bank Strengthens Digital Banking Position with Solid Performance
Strategic Partnerships and Technology Investments
Krom Bank has strategically partnered with AWS (Amazon Web Services) Asia Pacific (Jakarta) Region to enhance data security and compliance with financial regulations. This collaboration enables the bank to provide secure and rapid access to financial services through their digital platform. The bank is also developing an AI-based fraud detection system to combat growing cyber threats.
Financial Highlights
As of November 2025, Krom Bank has achieved significant financial milestones:
- Third-Party Funds (DPK) grew by 175% YoY to Rp7.87 trillion
- Credit disbursement reached Rp8.40 trillion, growing 121% YoY
- Total assets increased by 85% to Rp11.79 trillion
- Pre-tax profit reached Rp179.22 billion, up 8% YoY
Business Strategy and Future Plans
Krom Bank's impressive performance is supported by its strategic focus on digital banking and collaboration with the Kredivo Group ecosystem. The bank plans to:
- Enhance product innovation to attract new customers
- Strengthen cybersecurity measures
- Improve digital service quality
- Expand digital connectivity
The bank's commitment to digital transformation and customer security positions it as a trusted player in Indonesia's digital banking sector.
Source References
Story Info
Topics Covered
Key Events
Strong Financial Growth
Strategic Technology Partnership
Digital Banking Expansion