Bank QNB Indonesia records assets of Rp13.2 trillion in 2025
The performance of the bank in 2025 reflects the resilience of our business model and the progress achieved in strengthening the bank’s fundamentals.
Jakarta (ANTARA) - PT Bank QNB Indonesia Tbk’s President Director Nick Groene stated that the company recorded a 3% year-on-year (yoy) asset growth from Rp12.9 trillion in 2024 to Rp13.2 trillion in 2025.
He said that this achievement shows that the company was able to maintain disciplined growth while ensuring strong asset quality and liquidity amid global and domestic economic uncertainties.
“The bank’s performance in 2025 reflects the resilience of our business model and the progress achieved in strengthening the bank’s fundamentals,” said Nick Groene in an official statement received in Jakarta on Saturday.
He explained that as of 31 December 2025, the company recorded an 18% yoy growth in net loans, far exceeding the national banking industry’s average loan growth of around 9.6% yoy according to the Financial Services Authority (OJK).
He stated that this growth was primarily driven by the information and communication sector, manufacturing, as well as financial services and insurance, demonstrating the company’s commitment to supporting national strategic sectors.
In line with its commitment to sustainable finance, Nick conveyed that the company also successfully disbursed its first ESG-based credit, marking an important milestone for the company in supporting responsible and sustainable business practices in Indonesia.
In addition to strong loan growth, the company also booked pre-tax profits of Rp50.8 billion and recorded a fairly high 11% yoy growth in third-party funds (DPK).
Meanwhile, the gross non-performing loan (NPL) ratio decreased to 2.2% from 2.7% the previous year, followed by a reduction in provisions, indicating effective asset quality management and the application of prudent principles in risk management.
This positive performance supports the company in maintaining strong capitalisation and liquidity positions, as seen from the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) which reached 119.95% and 140.40% respectively, above the regulatory minimum of 100%.
Nick explained that the company will focus on developing the corporate and institutional banking business lines, as well as continuing to strengthen digital and operational capabilities this year.
The development of digital infrastructure, utilisation of the QNB Group’s regional network, and deepening relationships with tier-1 corporate customers and conglomerate clients will be the company’s priorities.
“In 2026, we will continue to explore opportunities to support more cross-border trade and investment opportunities. Supported by strong fundamentals and a clearer strategic direction, we are optimistic about capturing growth opportunities while still prioritising prudent principles in managing risks,” he said.