SMBC Indonesia's Prudent Strategy Pays Off

Jakarta, VIVA — PT Bank SMBC Indonesia Tbk reported positive performance throughout 2025, emphasising risk management and prudence across all segments, from ultramicro to corporate customers. President Director Henoch Munandar said the achievement reflects the company’s strategy focused on core business fundamentals and good governance.

As at 31 December 2025, consolidated total assets reached Rp245.9 trillion, up 2 percent year on year. Net lending rose 3.3 percent yoy to Rp185.4 trillion, driven by growth in the corporate and commercial segment of 6.5 percent and Jenius lending outside Digital Micro up 11.3 percent yoy.

On the funding side, low-cost deposits (CASA) grew 16.7 percent yoy to Rp53.2 trillion, with CASA ratio rising to 40.6 percent. Total third-party funds (DPK) increased 8 percent yoy to Rp131 trillion. A more efficient funding structure supported credit expansion throughout the year.

Liquidity and capital remained strong. The Liquidity Coverage Ratio (LCR) stood at 229.4 percent and the Net Stable Funding Ratio (NSFR) at 123 percent, well above the minimum requirements. The consolidated capital adequacy ratio (CAR) was 29.3 percent, surpassing the industry average of 25.9 percent, leaving room for further expansion.

Asset quality improved, with the gross non-performing loan (NPL) ratio falling to 2.6 percent from 2.8 percent in September 2025. Consolidated operating income grew 5.8 percent yoy to Rp18.4 trillion.

Net interest income rose 4.6 percent yoy with net interest margin (NIM) maintained at 7.0 percent amid competition in rates and rising funding costs. The bank strengthened loan loss provisions (CKPN), particularly in the OTO Group, as an anticipatory measure against evolving economic dynamics.

Consolidated net profit attributable to owners of the parent entity amounted to Rp506 billion in 2025. On an entity bank basis, net profit after tax reached Rp1.5 trillion. Meanwhile, BTPN Syariah reported net profit of Rp1.201 trillion, up 13.2 percent yoy, with financing of Rp10.3 trillion, or up 2 percent yoy.

“Beyond financial performance, the Daya programme has reached almost 37 million participants through more than 12,000 empowerment activities by the end of last year,” Henoch said on Tuesday, 3 March 2026.