Bisnis.com, JAKARTA — PT Bussan Auto Finance (BAF) recorded new financing disbursement of IDR 11.46 trillion, growing 3.70% year-on-year (YoY) throughout 2025.

BAF President Director Koji Kato stated that financing for new Yamaha motorcycles remains a major contributor, accounting for more than 60% of total new financing.

"This aligns with consumer preference for Yamaha models with modern designs and the latest technology, with the premium segment, such as the Yamaha NMAX Neo, recording the strongest growth," he said in a written statement, quoted on Monday (May 18, 2026).

Koji continued, explaining that this performance contributed to BAF's revenue growth, which grew 1.96% YoY to IDR 4.78 trillion. Consistent operational efficiency, on the other hand, reduced operating expenses by 1.10% YoY to IDR 4.25 trillion.

This combination, he continued, resulted in significant bottom-line growth, up 36.14% YoY to IDR 413.47 billion. He believes this achievement reflects BAF's ability to maintain financing quality while maintaining profitability amidst challenging industry conditions.

"This achievement is the result of consistent strategy, strengthened risk management, and improved service quality to consumers," said Koji.

Koji stated that throughout 2025, BAF will continue to strengthen its position as Yamaha's captive finance provider through various strategic initiatives. The focus on financing new Yamaha motorcycles will be consistently carried out through close collaboration with Yamaha Indonesia Motor Manufacturing and its dealer network throughout Indonesia.

He added that various marketing activities, both online and offline, will continue to be accelerated along with the development of more efficient processes and the expansion of the service network to rural areas.

"Our long-term partnership with Yamaha is a key foundation for BAF. This year, we are committed to further strengthening this collaboration to provide greater added value to consumers while supporting the performance of Yamaha dealers throughout Indonesia," Koji emphasized.

Furthermore, Koji also stated that portfolio diversification and balance remain a focus to ensure long-term business resilience.

He further explained that throughout 2025, BAF will continue to expand its contribution to sustainable finance, including through support for Micro, Small, and Medium Enterprises (MSMEs).

"By the end of 2025, productive financing to MSMEs had reached IDR 1.71 trillion, contributing 12.55% of the total financing portfolio," he said.

Furthermore, BAF has also disbursed IDR 2.50 trillion in financing for environmentally friendly vehicles, contributing 18.34% of the total financing portfolio. Thus, BAF's total disbursed environmentally friendly financing has reached IDR 4.21 trillion, or approximately 30.89% of the total financing portfolio.

"By strengthening MSME financing and supporting environmentally friendly vehicles, we want to ensure that BAF's growth is aligned with sustainability principles. With this spirit, we are optimistic that we can continue to create sustainable added value for all stakeholders," Koji concluded.