Jakarta – PT Bank CIMB Niaga Tbk (BNGA) delivered solid financial performance throughout the 2025 fiscal year, booking an audited consolidated pre-tax profit of Rp8.8 trillion. The bank also recorded earnings per share (EPS) of Rp273.53, reflecting consistent profitability amid a dynamic economic landscape.
President Director & CEO Lani Darmawan said the achievement highlights the bank’s resilience and strong business fundamentals. According to her, throughout 2025 CIMB Niaga successfully strengthened liquidity and capital structure as a foundation for sustainable long-term growth.
In terms of asset quality, the bank maintained its gross non-performing loan (NPL) ratio at a low 1.81 percent. Meanwhile, the cost of credit (CoC) improved to 0.74 percent. These indicators helped drive return on equity (ROE) to 13 percent, signaling stable profitability supported by prudent risk management.
CIMB Niaga’s capital and liquidity positions remained robust. The capital adequacy ratio (CAR) stood at 24.8 percent, while the loan to deposit ratio (LDR) was recorded at 86.8 percent. As of December 31, 2025, total consolidated assets reached Rp372.7 trillion, reinforcing the bank’s position as one of Indonesia’s largest private banks.
On the funding side, third-party funds (DPK) grew 3.8 percent year-on-year (yoy) to Rp270.5 trillion. The increase was largely driven by a 10.1 percent yoy rise in current account and savings account (CASA) balances to Rp189.5 trillion, bringing the CASA ratio to a strong 70 percent.
Loan and financing disbursement rose 4.5 percent yoy to Rp238.3 trillion. The highest growth came from the Corporate Banking segment, which expanded 6.7 percent yoy. Consumer Banking grew 3.4 percent yoy, while Small and Medium Enterprises (SME) lending increased 2 percent yoy. Retail loan growth was mainly supported by auto loans, which surged 10.1 percent yoy.
Meanwhile, CIMB Niaga’s Sharia Business Unit continued to post positive results. By the end of 2025, total sharia financing reached Rp55.7 trillion, with deposits amounting to Rp50.3 trillion. The bank optimized community-based funding and strategic partnerships in line with sharia principles to strengthen Indonesia’s Islamic finance ecosystem.
With strong fundamentals in place, management remains optimistic about sustaining business growth in 2026. The bank will continue to prioritize asset quality, pursue selective loan expansion, and accelerate digital transformation initiatives to enhance customer experience and long-term competitiveness.(***)
