Solid Performance, CIMB Niaga Strengthens Position in Banking Industry

Jakarta – PT Bank CIMB Niaga Tbk (BNGA) announced its 2025 financial results, recording consolidated pre-tax profit (audited) of Rp8.8 trillion. This performance generated earnings per share of Rp273.53, contributing to the bank’s business growth.

President Director and Chief Executive Officer of CIMB Niaga Lani Darmawan stated that CIMB Niaga’s 2025 performance reflects consistent performance and sound fundamental business health.

“Throughout that year, we successfully strengthened our liquidity and capital positions, which further reinforces our foundation to continue growing whilst ensuring we consistently deliver long-term value,” said Lani as quoted on Thursday (26 February 2026).

According to Lani, the bank’s risk management framework remains well-maintained, reflected in asset quality with a gross non-performing loan (NPL) ratio of 1.81% and a cost of credit (CoC) declining to 0.74%. Ultimately, a return on equity (ROE) of 13.0% demonstrates the bank’s capacity to generate stable profitability whilst maintaining a disciplined and solid financial profile.

“In 2026, we will continue to focus on prudent credit growth, maintain asset quality, strengthen our low-cost deposit base (current account saving account/CASA), and implement disciplined cost management. With our Forward30 strategy as a guide, we believe we can sustain good performance and deliver sustained added value for all stakeholders, including customers and the wider community. This commitment also reflects our purpose of ‘Advancing Customers and Society’, where CIMB Niaga is committed to helping customers and Indonesian society realise their dreams and aspirations,” Lani added.

Additionally, CIMB Niaga maintained solid capital and liquidity positions with a capital adequacy ratio (CAR) and loan-to-deposit ratio (LDR) of 24.8% and 86.8% respectively. Total consolidated assets stood at Rp372.7 trillion as of 31 December 2025, further solidifying CIMB Niaga’s position as Indonesia’s second-largest private bank.

From a funding perspective, total third-party funds (DPK) increased to Rp270.5 trillion, growing 3.8% year-on-year (Y-o-Y), driven by CASA growth of 10.1% Y-o-Y to Rp189.5 trillion. This increase contributed to the CASA ratio jumping to 70.0%. This represents the bank’s effort to build stronger relationships with customers and enhance overall customer experience through digital services.

Total loans and financing increased 4.5% Y-o-Y to Rp238.3 trillion, with the highest growth coming from the Corporate Banking segment (+6.7% Y-o-Y), followed by Consumer Banking (+3.4% Y-o-Y) and Small and Medium Enterprise (SME) (+2.0% Y-o-Y). The increase in retail credit and financing was primarily driven by auto loan (KPM) growth of 10.1% Y-o-Y.

Meanwhile, CIMB Niaga’s Islamic Business Unit (CIMB Niaga Syariah) continues to demonstrate its position as one of Indonesia’s largest Islamic business units. As of 31 December 2025, total financing reached Rp55.7 trillion and third-party funds totalled Rp50.3 trillion.

CIMB Niaga Syariah also continues to strengthen its structure by optimising efficient funding through the development of community-based networks and strategic partnerships based on Islamic principles. This step is taken to drive sustainable business growth whilst contributing to strengthening the broader national Islamic financial ecosystem.

The bank continues to strengthen its integrated digital financial ecosystem. Customer digital adoption continued to increase throughout 2025, supported by CIMB Niaga’s commitment to delivering banking service innovations through integrated digital solutions. In 2025, 91.6% of total customer financial transactions were conducted through digital banking channels, including OCTO (application and website), BizChannel@CIMB, automated teller machines (ATM), and OCTO Pay (e-money).

With the expanding application of digital banking, CIMB Niaga continues to integrate physical and digital office services through the Digital Branch and Digital Hub concepts. These concepts combine self-service digital capabilities whilst maintaining CIMB Niaga’s characteristic personal and friendly service touch.

These branch offices enable customers to perform services such as account opening, debit card issuance, and customer information file (CIF) updates in approximately five minutes. As of 31 December 2025, CIMB Niaga has operated 34 Digital Branches and 28 Digital Hubs throughout Indonesia.

For OCTO (application and website), Lani noted it remains the primary platform for delivering optimal digital experience, with various premium features enabling customers to manage their daily finances practically in one platform, including transfers, QRIS and bill payments, loan applications, insurance services, and investment access. OCTO Call and OCTO WhatsApp are now also available in the OCTO app, making it easier for customers to contact the bank whenever needed without requiring phone credit.

In 2025, CIMB Niaga conducted a rebranding by integrating two previously separate digital banking platforms, OCTO Mobile (mobile application) and OCTO Clicks (internet banking), into one digital ecosystem named OCTO. Through this integration, customers can align their credentials with one user ID, then access the application or website seamlessly using the same login details. This ease is expected to improve the more practical and optimal digital banking experience.

CIMB Niaga also introduced innovation through OCTO Savers Payroll, designed for customers to help manage their finances more effectively.