Amar Bank Records Net Profit of Rp249.6 Billion for 2025
PT Bank Amar Indonesia Tbk (stock code: AMAR) recorded a net profit of Rp249.6 billion for the full year 2025, up 16.1% from the previous year.
Amar Bank’s President Director, Vishal Tulsian, stated that this financial performance in 2025 represents the highest profit in the bank’s history.
“The 2025 performance reflects Amar Bank’s focus on building increasingly quality growth. We have successfully driven healthy credit expansion, maintained well-managed asset quality, and continued the trend of consistent profit growth,” Vishal said in his statement in Jakarta on Tuesday.
In line with this, credit grew 35.7% to Rp3.98 trillion compared to the previous year. Meanwhile, the net non-performing loan (NPL) ratio improved to 0.83% from 1.07%.
This achievement extends Amar Bank’s positive growth trend over the past three years and reflects the company’s ability to maintain healthy expansion amid strengthening asset quality.
“These results show that our strategy to balance growth, risk discipline, and profitability remains on the right track,” he added.
Based on the 2025 financial report released recently, Amar Bank’s credit showed growth that strengthens the company’s business scale throughout the year.
As of December 2025, total credit disbursed reached Rp3.98 trillion, with more than 50% distributed to the MSME sector.
This growth was driven by expansion in the digital lending segment through the Tunaiku by Amar Bank platform. Additionally, improvements in asset quality further strengthened the foundation for healthy growth.
“The 2025 achievements demonstrate Amar Bank’s continuously strengthening fundamentals. Double-digit growth in credit and net profit, along with the NPL net improvement to 0.83%, reflect the selective and prudent expansion strategy being implemented,” said Amar Bank’s SVP Finance, David Wirawan.
David added that customer confidence in the bank has also increased, as reflected in the total deposits growth that doubled compared to the previous year.
“At the same time, we are maintaining a strong liquidity position. We view this achievement as an important foundation in sustaining healthy and sustainable growth moving forward,” he said.
“This year, Amar Bank will continue to focus on strengthening digital products and services, expanding the payment ecosystem, and delivering innovations relevant to community needs. We will also continue to strengthen our focus on empowering MSMEs through Amar Bank Bisnis as one of the key pillars in driving inclusive and sustainable growth,” Vishal concluded.
This commitment aligns with Amar Bank’s vision to be a pioneer in inclusive and sustainable digital financial solutions for individuals and MSMEs in Indonesia.