SMBC Indonesia's Assets Reach Rp 245.9 Trillion by End-2025

SMBC Indonesia posted a solid 2025, with consolidated assets reaching Rp 245.9 trillion and loans Rp 185.4 trillion. The bank was supported by a more efficient funding structure, as current account saving account (CASA) rose 16.7% year-on-year to Rp 53.2 trillion, with a CASA ratio of 40.6%. Overall, third-party funds (DPK) grew 8.0% year-on-year to Rp 131.0 trillion to support funding needs. The bank also maintained liquidity and funding at healthy levels; as of 31 December 2025, the liquidity coverage ratio (LCR) stood at 229.4% and the net stable funding ratio (NSFR) at 123.0%. The consolidated capital adequacy ratio (CAR) was 29.3% at end-2025, higher than the industry average of 25.9%. In terms of asset quality, the gross non-performing loan (NPL) ratio stood at 2.6% at end-December 2025, an improvement from 2.8% at end-September 2025. SMBC Indonesia also recorded consolidated operating income of Rp 18.4 trillion for 2025, up 5.8% year-on-year. Net interest income rose 4.6% year-on-year with a net interest margin (NIM) of 7.0%. “The rise in CKPN on a consolidated basis is our effort as a PIKK to continually improve the standards of good corporate governance, and to safeguard asset quality and bank resilience,” said Henoch. “Thus, the consolidated net profit attributable to owners of the parent entity amounted to Rp 506 billion for 2025,” he added. Henoch added that, at the bank’s standalone entity level, SMBC Indonesia posted net profit after tax of Rp 1.5 trillion in 2025. As for the company’s subsidiary, PT Bank BTPN Syariah Tbk, consolidated net profit rose to Rp 1,201 billion in 2025, up 13.2% year-on-year. BTPN Syariah’s financing disbursement reached Rp 10.3 trillion, up 2% year-on-year.