In 2025, FIF records net profit of Rp4.63 trillion

PT Federal International Finance (FIF), a subsidiary of Astra and part of Astra Financial, reported a net profit of Rp4.63 trillion for January to December 2025. This figure represents a year-on-year increase of 4.92% from Rp4.42 trillion in the same period in 2024. FIF’s director Valentina Chai said that what the company has achieved is not detached from the extraordinary contribution of all FIF customers, business partners, and employees. ‘We appreciate and thank all stakeholders for the company’s achievement. This is evidence of the trust of all parties that makes FIF a financial solutions provider for all financing needs,’ Valentina said in a statement on Wednesday, 4 March 2026. The rise in net profit is mirrored in the value of financing disbursements reaching Rp49.45 trillion by the end of Q4 2025, up 7.64% YoY. The increase also aligned with the rise in the number of financed units, reaching 3.39 million units, up 4.85% YoY. The growth in the company’s net profit was driven by the performance of all financing services. Namely, FIFASTRA for motorcycle financing (Honda motorcycles), SPEKTRA for electronics, gadgets, and household appliances, and DANASTRA offering multipurpose financing. Additionally, FINATRA provides productive microfinance for Micro, Small and Medium Enterprises (MSMEs), and AMITRA for Shariah financing for Hajj and Umrah. Valentina said FIF continues to optimise all financing services to support the growth of the company’s performance. ‘As one of the financing companies in Indonesia, we are confident in delivering the best services across all financing services, reinforced by the value chain and digitalisation, to become a solution for all financing needs of the Indonesian people,’ Valentina added. In terms of Net-Servicing Asset (NSA), the company’s NSA grew by 14.38% YoY to Rp53.44 trillion in Q4 2025. Furthermore, FIF maintained the Net Non-Performing Finance (NPF) ratio at 0.20% in Q4 2025, making it a financing company with very healthy performance according to the indicators set by the Financial Services Authority (OJK). Valentina emphasised that, amid national economic challenges, FIF aims to be the ‘#TemanMeraihImpian’ for all Indonesians through innovations and best-in-class services. This aligns with the company’s mission: Bringing a Better Life to the Community.