SMBC Commits to Sustainable Growth, With a Focus on the Corporate Segment

PT Bank SMBC Indonesia posted positive growth throughout 2025. Through the disciplined application of risk management and prudent principles, the bank broadened its financial services across segments, from ultramicro to large corporates. By end-December 2025, SMBC Indonesia’s consolidated assets reached Rp245.9 trillion, up 2.0% year-on-year (YoY). Chief Executive Officer Henoch Munandar emphasised that the achievement reflects the company’s focus on business fundamentals underpinned by good corporate governance (GCG).

“The consolidated performance for 2025 reflects our strategy centred on business fundamentals,” Henoch said in a formal statement released on Thursday (5 March).

In terms of lending, SMBC Indonesia recorded consolidated lending of Rp185.4 trillion, up 3.3% YoY. This growth was driven by strong performance in the corporate and commercial segments, rising 6.5% YoY. In addition, credit disbursement from the digital platform Jenius showed a positive trend, growing 11.3% YoY.

This loan growth was supported by an efficient funding structure. The value of cheap funds (Current Account Saving Account/CASA) jumped 16.7% YoY to Rp53.2 trillion, lifting the CASA ratio to 40.6%. Total Third-Party Funds (DPK) also grew 8.0% YoY to Rp131.0 trillion. Despite market volatility, SMBC Indonesia maintained very healthy liquidity ratios. The Liquidity Coverage Ratio (LCR) stood at 229.4% and the Net Stable Funding Ratio (NSFR) at 123.0%.

On the capital side, the Consolidated Capital Adequacy Ratio (CAR) stood at 29.3%, well above the industry average of 25.9%.

“This CAR figure shows ample room for us to continue expanding the business and serving more customers in the future,” added Henoch.

As a sign of transparency and prudence, the bank reinforced impairment allowances for expected credit losses (CKPN), particularly for its subsidiary, the OTO Group. The impact of these increased provisions resulted in consolidated net profit attributable to owners of the parent entity of Rp506 billion.

However, standalone as a bank, SMBC Indonesia booked net profit after tax of Rp1.5 trillion. Meanwhile, BTPN Syariah contributed positively with net profit of Rp1.2 trillion, up 13.2% YoY. Asset quality also improved with a gross non-performing loan (NPL) ratio of 2.6%, down from 2.8% in September 2025.

Beyond pursuing financial metrics, SMBC Indonesia continues to strengthen its Environment, Social, and Governance (ESG) agenda. Through the ‘Daya’ programme, the bank has empowered almost 37 million participants through a range of financial literacy and entrepreneurial support initiatives up to the end of last year.

“For us, sustainable growth is not only measured in financial terms, but by tangible contributions to society through financial inclusion,” concluded Henoch. (E-3)

Consistently strengthening financing for micro, small, and medium-sized enterprises, PT Bank Rakyat Indonesia (Persero) Tbk continues to show positive performance through solid credit growth.

Monthly financial report (bank-only) from Bank Mandiri January 2026 records company credit realization rising 15.62% year-on-year to Rp1,511.4 trillion.

PT Bank Central Asia Tbk (BCA) states that Moody’s rating does not affect the bank’s credit performance led by Hendra Lembong.

PT Bank Syariah Indonesia (Persero) Tbk (BSI) reports solid performance throughout 2025. By December 2025, the group disbursed financing of Rp318.84 trillion.

PT Bank Negara Indonesia (BNI) records solid financial performance in 2025, with credit growth of 15.9% YoY.

PT Lippo Karawaci Tbk (LPKR) reports positive financial performance in 2025 with revenue of Rp9.03 trillion amid macroeconomic macro headwinds.

Consistently strengthening financing for micro, small, and medium-sized enterprises, PT Bank Rakyat Indonesia (Persero) Tbk continues to show positive performance through solid credit growth.

Bank Mandiri January 2026 monthly financial report shows credit realization of Rp1,511.4 trillion up 15.62% YoY.

PT Pegadaian achieved positive performance in 2025 with net profit of Rp8.34 trillion.

PT Bank Central Asia Tbk (BCA) reiterates Moody’s rating has no impact on the bank’s credit performance led by Hendra Lembong.