Key Takeaways
- Bank INA is optimistic it will exceed the OJK’s credit growth target of 8–12 percent, leveraging the Salim Group ecosystem and expanding its home loan (KPR) offerings.
- Collaboration with Indomaret, Indogrosir, and Indomobil, along with strengthening the Binadigital platform (500,000+ customers), is driving supply chain financing.
- As of September 2025, assets increased by 34.74 percent and deposits grew by 49.39 percent year-over-year, although net profit decreased by 64.26 percent.
Jakarta – PT Bank INA Perdana Tbk is projecting credit growth of 15-20 percent in 2026, exceeding the 8-12 percent target set by Indonesia’s Financial Services Authority (OJK). The bank’s bullish outlook is fueled by its strategic focus on leveraging the financial ecosystem of its parent company, the Salim Group.
Yulius Purnama Junaedi, Deputy Director of Bank INA, emphasized the bank’s strategy for boosting financing expansion. “Currently, our focus is on maximizing the ecosystem within the Salim Group,” he said on February 23, 2026, during a media gathering.
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This optimization involves collaborations with Salim Group entities such as Indogrosir, Indomobil, and Indomaret, enabling Bank INA to participate in supply chain financing and address other credit needs. The move reflects a growing trend among Indonesian banks to integrate financial services within broader business ecosystems.
Alongside this, Bank INA is accelerating its digital transformation to strengthen financing integration within the ecosystem, particularly through its Binadigital platform. Binadigital currently boasts over 500,000 customers, the majority originating from the Salim Group ecosystem.
“We’re not rushing to acquire recent customers,” Junaedi added. “We don’t want millions of customers with no substance. We’re pursuing gradual growth, prioritizing continuity.”
Adhiputra Tanoyo, Director of Risk Management and Compliance at Bank INA, assured that credit risk remains well-managed due to the bank’s understanding of the business characteristics within its target ecosystem.
To anticipate potential increases in non-performing loans (NPLs), the bank will initially focus on its core markets, where it sees significant growth potential.
Bank INA is also making a concerted effort to expand its home loan (KPR) portfolio, a segment it began developing in 2025 and plans to aggressively promote in 2026.
“We only started developing KPR in 2025. The engine really started running in 2025, as it required personnel, sales teams, and the creation of attractive products, gimmicks, and pricing. Currently, we offer fixed rates of 2.18 percent for one year,” Tanoyo explained.
Kiung Hui Ngo, Director of Finance at Bank INA, acknowledged that declining benchmark interest rates could put pressure on net interest margins (NIM). Still, with strong liquidity, the bank is confident that credit expansion will remain optimal.
Based on its internal targets, Bank INA projects credit growth of 15–20 percent in 2026, surpassing the OJK’s target.
“Based on our RBB targets, credit can grow in the range of 15-20 percent,” Ngo stated.
Read also: Aplikasi Binadigital Milik Bank INA Kini Bisa Berinvestasi Emas
Bank INA Performance
As of September 2025, Bank INA reported impressive growth. Assets increased by 34.74 percent year-over-year, from Rp22.44 trillion to Rp30.24 trillion.
Credit disbursement grew by 13.37 percent year-over-year to Rp15.02 trillion. Deposits surged by 49.39 percent year-over-year to Rp25.54 trillion.
However, despite strong intermediation performance, net profit contracted by 64.26 percent, from Rp150.83 billion in September 2024 to Rp53.89 billion in September 2025. (*Mohammad Adrianto Sukarso*)
