CIMB Niaga Maintains Profit of IDR 8.8 Trillion Throughout 2025
In the midst of competition in the banking industry and changes in customer behaviour towards digital services, PT Bank CIMB Niaga Tbk has managed to maintain its pre-tax profit of IDR 8.8 trillion throughout 2025.
President Director & CEO Lani Darmawan said that this achievement reflects the bank’s solid fundamentals. “We would like to inform you that CIMB Niaga’s performance in 2025 reflects consistent performance and the sound fundamentals of the bank,” said Lani in an official statement on Friday (27/2/2026).
The gross non-performing loan ratio was recorded at 1.81 percent and the cost of credit decreased to 0.74 percent. Meanwhile, the return on equity was at 13.0 percent, indicating the bank’s ability to generate profits while maintaining financial discipline.
This growth came mainly from low-cost funds (CASA), which increased by 10.1 percent to IDR 189.5 trillion. The CASA ratio also reached 70.0 percent, meaning that most of the customers’ funds are held in the form of current accounts and savings accounts.
In terms of credit distribution, the value grew by 4.5 percent to IDR 238.3 trillion. The corporate segment recorded an increase of 6.7 percent, followed by consumer at 3.4 percent and small and medium enterprises at 2.0 percent.
Changes in customer behaviour can also be seen from the dominance of digital transactions. As many as 91.6 percent of financial transactions are carried out through digital channels such as OCTO, BizChannel@CIMB, ATMs, and OCTO Pay.
Throughout 2025, financial transactions through the OCTO application and website increased by 48 percent. CIMB Niaga also operates 34 Digital Branches and 28 Digital Hubs which combine digital self-service and assistance from staff at branches.
The bank also reduced Scope 1 and 2 Greenhouse Gas emissions by 46 percent compared to the 2019 baseline through the installation of solar panels and operational energy efficiency.
“Our sustainability achievements in financing, decarbonization, and community empowerment reflect CIMB Niaga’s commitment to growing responsibly while also making a positive contribution to society and the environment,” said Lani.