BNC Posts Rp565.69 Billion Profit in 2025, Focuses on Boosting Lending This Year

Jakarta (ANTARA) - PT Bank Neo Commerce Tbk or BNC (BBYB) is focusing its strategy on accelerating credit disbursement this year after booking a net profit of Rp565.69 billion at the end of 2025, an increase from Rp19.88 billion in 2024. “We have successfully recorded good performance improvements while maintaining asset quality, enhancing operational efficiency, and optimising our digital business model,” said BNC President Director Eri Budiono in a written statement in Jakarta on Tuesday. As of December 2025, BNC recorded total assets of Rp18.97 trillion, growing 8.99 per cent year-on-year (yoy) compared to Rp17.41 trillion in December 2024. From the third-party funds (DPK) side, it was recorded at Rp14.03 trillion, an increase of 7.37 per cent (yoy) from Rp13.06 trillion in the same period the previous year. This growth was driven by an increase in savings funds reaching Rp3.50 trillion (from Rp3.09 trillion in December 2024) and deposits remaining stable at Rp9.86 trillion. From the credit side, as of the end of 2025, the net non-performing loan (NPL) remained controlled at 0.89 per cent. Liquidity conditions are reflected in the loan to deposit ratio (LDR) at 51.21 per cent and the liquidity coverage ratio (LCR) at 614.93 per cent. The company views this performance as a strong basis for future credit growth expansion. From the efficiency side, the BOPO ratio improved significantly to 84.18 per cent, compared to 99.34 per cent the previous year. The cost to income ratio (CIR) was stable at 31.33 per cent, while the net interest margin (NIM) stood at 14.39 per cent. Profitability performance is also reflected in the return on assets (ROA) which increased to 3.11 per cent from 0.10 per cent, and the return on equity (ROE) which increased to 15.13 per cent from 0.59 per cent the previous year. BNC also maintained a strong capital position with core capital of Rp4.03 trillion, up from Rp3.32 trillion the previous year. The capital adequacy ratio (CAR) was recorded at 49.07 per cent, a significant increase compared to 35.30 per cent the previous year, caused by the increase in net profit. Entering 2026, the company will focus its strategy on quality credit disbursement while still prioritising prudence principles. For this, BNC will continue to enhance product capabilities and add partners to expand business potential and strengthen an inclusive financial ecosystem. “One of the strategic initiatives we are preparing is the launch of a buy now pay later (BNPL) service with partners planned to be present in mid-2026, as part of our efforts to expand safe, measured, and relevant financing access to customer needs,” said Eri. Eri expressed optimism about the company’s prospects going forward in line with the strengthening of business fundamentals built throughout 2025.