BTPN Syariah's Consolidated Net Profit Rises 13.2% in 2025, Focusing on Low-Income Communities

PT Bank BTPN Syariah Tbk posted positive performance throughout 2025, with consolidated net profit reaching Rp 1.201 trillion, up 13.2% year-on-year. The rise aligned with the group’s efforts to expand financing for productive, low-income communities.

SMBC Indonesia President Director Henoch Munandar said the subsidiary’s performance was a pillar of the group’s growth last year. ‘BTPN Syariah recorded a consolidated net profit of Rp 1.201 trillion in 2025, up 13.2% year-on-year,’ he said in an official statement on Wednesday (4 March 2026).

Financing disbursement by BTPN Syariah amounted to Rp 10.3 trillion in 2025, rising about 2% from the prior year. The financing was focused on productive low-income communities that constitute the bank’s core segment.

At group level, PT Bank SMBC Indonesia Tbk also posted growth in 2025. By end-December 2025, total consolidated assets reached Rp 245.9 trillion, up 2% year-on-year. Consolidated loan disbursement rose 3.3% year-on-year to Rp 185.4 trillion, driven mainly by the corporate and commercial segment which rose 6.5% year-on-year, and Jenius credit outside Digital Micro grew 11.3% year-on-year.

On the funding side, current accounts saving accounts (CASA) rose 16.7% year-on-year to Rp 53.2 trillion. The CASA ratio rose to 40.6%. Meanwhile total third-party funds (DPK) were Rp 131 trillion, up 8% year-on-year.

SMBC Indonesia maintained liquidity and capital at robust levels. As at 31 December 2025, the liquidity coverage ratio (LCR) stood at 229.4% and the net stable funding ratio (NSFR) at 123%. The capital adequacy ratio (CAR) reached 29.3%, above the industry average of around 25.9%.

In terms of credit quality, the gross non-performing loan (NPL) ratio was 2.6% at end-2025, improving from 2.8% at end-September 2025.