AGM 2025: CIMB Niaga Finance's Performance Grows Amid Economic Pressures

PT CIMB Niaga Auto Finance (CIMB Niaga Finance) demonstrated business resilience throughout 2025 amid challenging economic dynamics. This was revealed at the Annual General Meeting of Shareholders (AGM) held on 6 April 2026 at Griya CIMB Niaga, South Tangerang.

During the agenda, shareholders approved the 2025 Annual Report and accepted the Board of Commissioners’ supervisory report on the Directors’ performance for that period.

Additionally, the AGM ratified the 2025 financial statements audited by the public accounting firm Rintis, Jumadi, Rianto & Rekan. Based on the audit results dated 11 March 2026, the statements received an unqualified opinion.

Throughout 2025, CIMB Niaga Finance recorded revenue of Rp2.23 trillion, an increase of 9.31% from the previous year’s Rp2.04 trillion. This performance was supported by total asset growth of 6.04% to Rp11.46 trillion. Meanwhile, total assets under management also rose by 3.93% to Rp13.66 trillion.

In terms of profitability, the company’s net profit reached Rp322.75 billion. This achievement demonstrates the company’s ability to maintain performance stability amid industry pressures.

Furthermore, maintained asset quality also drove an upgrade in rating from Fitch Indonesia to AAA, reflecting the strength of risk management and business agility.

CIMB Niaga Finance’s President Director, Ristiawan, emphasised that 2025 was a period full of challenges for the financing industry.

‘2025 was a year full of challenges; CNAF strives to continue recording positive performance even as the market contracts,’ he stated at the CIMB Niaga Finance AGM in South Tangerang on Monday (6/4).

One of CNAF’s main achievements in 2025 was successfully maintaining a balance between growth and quality. The dynamics and slowdown in the financing industry’s growth in 2025 were felt across the entire sector, not just by CNAF. However, CNAF succeeded in maintaining adaptive, resilient, and competitive performance.

‘CNAF successfully booked total new financing disbursements for 2025 at Rp9.25 trillion. This achievement simultaneously strengthens CNAF’s position in the industry. This is evidenced by the increasing market share in motor vehicle financing to 6.11%, also reflected in the company’s assets under management growing by 3.93%,’ said Ristiawan.

At the AGM, shareholders also approved a cash dividend distribution of Rp129 billion, equivalent to 40% of the 2025 book year net profit.

Additionally, the company reappointed the public accounting firm Rintis, Jumadi, Rianto & Rekan as auditor for the 2026 book year, considering their track record and experience.

As part of strengthening corporate governance, shareholders approved the reappointment of Dr. Rini Fatma Kartika as a member of the Sharia Supervisory Board for the 2026-2029 period.

Sharia Supervisory Board composition:

• Chair: Prof. Dr. rer.nat. Jaenal Effendi

• Member: Dr. Rini Fatma Kartika

Optimism Facing 2026

In closing the presentation, management expressed optimism regarding business prospects for the coming year, despite lingering global economic and automotive industry challenges.

‘We are optimistic that the company’s business prospects in 2026 will improve further, although there are macroeconomic challenges and automotive industry challenges amid global geopolitical conditions. We continue to develop the business sustainably and responsibly, while prioritising prudential aspects and strengthening customer experience to achieve our mission of becoming the most profitable multifinance company in Indonesia,’ he concluded.