SMBC Indonesia Disburses Rp185.4 Trillion in Loans Throughout 2025
REPUBLIKA.CO.ID, JAKARTA — PT Bank SMBC Indonesia Tbk recorded consolidated lending of Rp185.4 trillion across 2025. Amid economic dynamics, the bank also expanded its community empowerment programme as part of its sustainability commitments.
Based on the company performance report, SMBC Indonesia’s credit disbursement grew 3.3% year-on-year (yoy). Growth was mainly driven by the corporate and commercial segment which rose 6.5% yoy, and Jenius lending outside the Digital Micro segment which grew 11.3% yoy.
President Director of SMBC Indonesia, Henoch Munandar, said the performance reflects a strategy focused on strengthening the fundamentals of the business while continuing to prioritise prudence.
“SMBC Indonesia’s consolidated performance reflects a strategy centred on the fundamentals of the business underpinned by good governance,” Henoch said in a statement on Wednesday (4 March 2026).
By end-December 2025, total consolidated assets of SMBC Indonesia reached Rp245.9 trillion, up 2% yoy.
On the funding side, low-cost funds or current account saving account (CASA) rose 16.7% yoy to Rp53.2 trillion, with CASA ratio at 40.6%.
Overall, third-party funds (DPK) grew 8% yoy to Rp131 trillion. The rise in public deposits helped the bank sustain funding for loan expansion.
The bank’s liquidity remained robust. By end-2025, the liquidity coverage ratio (LCR) stood at 229.4% and net stable funding ratio (NSFR) at 123%.
Meanwhile, the capital adequacy ratio (CAR) stood at 29.3%, higher than the industry average of around 25.9%.
In terms of loan quality, the gross non-performing loan (NPL) ratio was 2.6% at end-2025, an improvement from 2.8% in September 2025.
Consolidated operating income for SMBC Indonesia reached Rp18.4 trillion, up 5.8% yoy. Net interest income grew 4.6% with net interest margin (NIM) maintained at 7%.
On a consolidated basis, net profit attributable to owners of the parent entity was Rp506 billion in 2025. According to Henoch, the achievement was influenced by higher provisioning for expected credit losses (CKPN), particularly at the group’s OTO subsidiary.
“The CKPN increase is a prudent step to safeguard asset quality and bank resilience amid economic dynamics,” Henoch said.
Separately, at the bank level, SMBC Indonesia posted net profit after tax of Rp1.5 trillion in 2025.
The group’s subsidiary, PT Bank BTPN Syariah Tbk., also recorded positive results with net profit of Rp1.2 trillion, up 13.2% yoy. Shariah financing disbursed by the bank reached Rp10.3 trillion.
In addition to financial performance, SMBC Indonesia expanded its community empowerment programme through the Daya programme. By December 2025, the programme had reached nearly 37 million participants through more than 12,000 activities including training, financial education, and business mentoring.
Henoch said the bank’s growth is not only measured by financial performance but also by its contribution to empowerment and economic inclusion.
“Sustainable growth is not only about financial performance, but also about how we deliver real benefits to the community,” Henoch said.