Bank Neo Commerce's Profit Surges 2,745% in 2025

JAKARTA - PT Bank Neo Commerce Tbk (BBYB) recorded a net profit of Rp 565.69 billion at the end of 2025. This figure surged 2,745% year-on-year from Rp 19.88 billion in 2024.

Bank Neo Commerce’s President Director, Eri Budiono, stated that this achievement was supported by the consistent implementation of business transformation strategies.

“The year 2025 marked an important milestone for Bank Neo Commerce in strengthening our business fundamentals and ensuring that every growth step we take remains within the corridor of prudence. We successfully recorded strong performance improvements while maintaining asset quality, enhancing operational efficiency, and optimising our digital business model,” Eri explained in an official statement on Tuesday (31/3/2026).

Third-party funds (DPK) reached Rp 14.03 trillion, up 7.37% from Rp 13.06 trillion. The growth was driven by an increase in savings to Rp 3.50 trillion from Rp 3.09 trillion. Deposits remained stable at Rp 9.86 trillion.

Credit disbursement was maintained cautiously. The net non-performing loan (NPL) ratio stood at 0.89%.

Liquidity remained robust. The Loan to Deposit Ratio (LDR) was at 51.21%. The Liquidity Coverage Ratio (LCR) was recorded at 614.93%.

Operational efficiency improved. The ratio of operating expenses to operating income (BOPO) fell to 84.18% from 99.34%. The Cost to Income Ratio (CIR) was 31.33%. The Net Interest Margin (NIM) stood at 14.39%.

Profitability also rose. Return on Assets (ROA) increased to 3.11% from 0.10%. Return on Equity (ROE) rose to 15.13% from 0.59%.

Capitalisation remained strong. Core capital reached Rp 4.03 trillion, up from Rp 3.32 trillion. The Capital Adequacy Ratio (CAR) was 49.07%, an increase from 35.30%.

Development focus includes daily transactions, digital financing for individuals and micro, small, and medium enterprises, as well as financial management solutions.

Entering 2026, strategies are directed towards quality credit growth with prudent principles. The company will also expand partnerships to strengthen its business ecosystem.

Eri expressed optimism about future prospects. One strategic plan is the launch of new services.

“One of the strategic initiatives we are preparing is the launch of Buy Now Pay Later (BNPL) services with partners, planned to be available in mid-2026, as part of our efforts to expand safe, measured, and relevant financing access for customers,” Eri concluded.