CIMB Niaga Syariah Financing Reaches Rp 55.7 Trillion, Digital Branches Become Key Strength
REPUBLIKA.CO.ID, JAKARTA – The financing of the Sharia Business Unit of PT Bank CIMB Niaga Tbk reached Rp 55.7 trillion by the end of 2025. This achievement reinforces the growth trend of the company’s Sharia business amid changing customer behaviour increasingly oriented towards digital services.
At the same time, CIMB Niaga’s consolidated performance also showed solid results. Throughout 2025, the bank recorded a pre-tax profit of Rp 8.8 trillion. Total credit or financing grew 4.5% year-on-year to Rp 238.3 trillion, while third-party funds (DPK) reached Rp 270.5 trillion, supported by a 10.1% growth in low-cost funds (CASA) to Rp 189.5 trillion.
In the Sharia segment, besides financing, DPK was recorded at Rp 50.3 trillion. This growth was supported by strengthening community networks and expanding Sharia-based partnerships.
The shift in customer behaviour towards digitalisation is also reflected in the high adoption of services. Approximately 91.6% of CIMB Niaga customer transactions throughout 2025 were conducted through digital channels. This situation has prompted the bank to accelerate the integration of digital services and branches through the hybrid banking concept.
CIMB Niaga’s Sharia Banking Director, Pandji P Djajanegara, stated that the Sharia Digital Branch concept addresses the needs of the community who desire fast services yet remain personal.
“Customers now want practical and efficient processes, but with support when needed. Our digital branch is present to meet those needs,” he said in a statement quoted on Monday (23/3/2026).
The opening of the Sharia Digital Branch in Bogor is part of this strategy. This branch allows customers to open accounts, replace cards, and update data in minutes without long queues.
Before expanding to Bogor, a similar concept had already been introduced in several cities such as Serpong in Tangerang, Makassar, Medan Ring Road, and Bireuen. This expansion shows that the digital branch service model is beginning to become the backbone of the company’s Sharia business development.
This model is also projected to become the main reference after the CIMB Niaga Sharia Business Unit spins off into a standalone Sharia commercial bank. With the new structure, network development is expected no longer to rely on a large number of conventional branches, but rather on a more efficient and flexible digital branch format.
Through this approach, the bank can still expand the reach of services without bearing high operational costs, while maintaining the personal service touch needed by customers.
Going forward, this strategy is expected not only to accelerate business expansion after the spin-off but also to promote broader Sharia financial inclusion in society.