DENPASAR, OborDewata.com – As of the third quarter (Q3) of 2025, a prominent local Bank, BPD (Bank Pembangunan Daerah/Regional Development Bank) Bali successfully maintained its positive performance trajectory. This is evidenced by the achievement of IDR 42.4 trillion in assets, surpassing the target of IDR 41.29 trillion (102.86% achievement) and marking a 9.01% year-on-year (yoy) growth compared to IDR 38.96 trillion recorded in September 2024.
This strong performance was underpinned by robust intermediary functions, with credit disbursement reaching IDR 24.71 trillion. This figure exceeded the target of IDR 24.51 trillion (100.84% achievement) and demonstrated a 9.82% yoy growth compared to IDR 22.5 trillion in September 2024. The credits were primarily distributed to MSME (Micro, Small, and Medium Enterprise) debtors, totaling IDR 12.55 trillion or 50.80 percent of the total credit portfolio. This was supported by MSME credit products, including Kredit Usaha Rakyat-KUR (People’s Business Credit), Kredit Usaha Alsintan – KUA (Agricultural Machinery Business Credit), Subsidi Kredit Usaha Mikro Badung Sejahtera – Sidi Kumbara (Prosperous Badung Micro Business Credit Subsidy), and other MSME financing products.
In addition to credit achievements, Third-Party Funds (Dana Pihak Ketiga – DPK) successfully collected by BPD Bali reached IDR 35.52 trillion, exceeding the planned target of IDR 33.97 trillion. The Third-Party Funds (Dana Pihak Ketiga – DPK) collection grew by 6.68 percent (yoy) compared to the same period in 2024, which stood at IDR 33.29 trillion. Proportionally, the achievement in third-party funds was dominated by low-cost funds, with the CASA (Current Account Savings Account) ratio reaching 64.99%.
The financial ratios were also well-maintained as of September 2025: the Capital Adequacy Ratio (CAR/ Kewajiban Penyediaan Modal Minimum – KPMM) was 28.60 percent, Return on Assets (ROA) was 3.90 percent, Return on Equity (ROE) stood at 26.46 percent, and the Net Interest Margin (NIM) was 6.40 percent. The Operational Efficiency Ratio (Biaya Operasional terhadap Pendapatan Operasional – BOPO) was recorded at 60.15 percent, indicating sustained efficiency, while the Loan to Deposit Ratio (LDR) reached 69.54 percent, reflecting the bank’s productive fund distribution capability. Furthermore, the Gross Non-Performing Loan (NPL) ratio was positioned at 0.85 percent, which is significantly below the regulatory banking threshold.
The solid performance was further demonstrated by a net profit achievement of IDR 945.43 billion, representing a 22.14% growth compared to the same period the previous year. This consistent profit growth was fueled by business expansion, improved asset quality, a sound funding structure, operational efficiency, and various product and service innovations that meet customer needs.
According to the President Director of BPD Bali, I Nyoman Sudharma, S.H., M.H., the bank’s performance achievements are inseparable from the full support of its Shareholders through capital injection, with paid-up capital reaching IDR 2.83 trillion and core capital reaching IDR 5.23 trillion in September 2025. The bank is also committed to continuously improving services and expanding its digital ecosystem. In 2025, the bank participated in the launch of cross-border QRIS (Quick Response Code Indonesian Standard) between Indonesia and Japan and the initiation of the QRIS cross-border sandbox between Indonesia and China, making it the only Regional Development Bank involved. The implementation of cross-border QRIS is expected to boost international collaboration in the digital economy sector, strengthen the regional government’s revenue ecosystem, and support the foreign tourist levy policy.
Sudharma concluded that through accelerated collaboration and the support of the Government and stakeholders, BPD Bali is optimistic about fostering and contributing to sustainable regional economic growth and development. mas/pril
