Strong Performance Achieved: CIMB Niaga's Report Card for Q1 2026
Jakarta, CNBC Indonesia - PT Bank CIMB Niaga Tbk (CIMB Niaga) or BNGA has announced its unaudited consolidated financial performance for the first quarter of 2026. CIMB Niaga achieved pre-tax profits of Rp2.3 trillion and earnings per share of Rp70.20.
CIMB Niaga’s President Director and CEO, Lani Darmawan, stated that the company began 2026 on a strong foundation, propelled by solid revenue performance, robust growth in fee-based income, and healthy business fundamentals.
“Revenue growth remains stable, supported by our strategy and the dedication of all our employees in delivering optimal services to all customers and stakeholders,” Lani said, as quoted on Thursday (30/4/2026).
This positive achievement was driven by disciplined cost management, as well as selective credit growth supported by strong current account savings account (CASA) funding, reaching the highest CASA ratio of 73.9%.
Meanwhile, asset quality remains well-maintained, with the non-performing loan (NPL) ratio below the industry average, and the cost of credit (CoC) remaining below 1%.
In addition, the wealth management business in serving Preferred and Private Wealth customers continues to demonstrate strong performance, reflected in the increasing average assets under management per customer, while strengthening our increasingly diversified revenue base.
“Looking ahead, with sustained return performance and strong capitalisation to support future growth, we will continue to prioritise fee-based income growth to bolster core revenue, while maintaining good margins through strengthening the CASA base and disciplined funding. Credit growth will be pursued prudently, with asset quality and portfolio resilience as the primary focus,” she said.
“All these steps align with our Forward30 strategy and purpose of Advancing Customers and Society, to continue supporting customers and Indonesian society in realising their dreams and aspirations. The strong results in this quarter further reinforce our confidence in accelerating various strategic initiatives, creating long-term value for all stakeholders, and making a tangible contribution to Indonesia’s economic resilience,” Lani added.
CIMB Niaga consistently maintains good capitalisation and liquidity positions, with a capital adequacy ratio (CAR) and loan to deposit ratio (LDR) of 25.3% and 89.2%, respectively.
Consolidated total assets stood at Rp368.2 trillion as of 31 March 2026, further solidifying CIMB Niaga’s position as Indonesia’s second-largest national private bank.
Third-party funds (DPK) increased to Rp260.1 trillion (+2.3% YoY), driven by CASA growth of 12.2% YoY to Rp192.3 trillion, resulting in a CASA ratio rise to 73.9%. This achievement reflects CIMB Niaga’s success in strengthening customer relationships and enhancing the digital banking experience.
Meanwhile, total credit/financing grew 2.2% YoY to Rp235.1 trillion, with the highest growth from Corporate Banking at 4.8% YoY, followed by Small and Medium Enterprises (SME) segment at 1.2% YoY, and Consumer Banking at 0.2% YoY. Retail credit/financing growth was primarily driven by Car Ownership Credit (KPM) increasing 4.0% YoY.
In Islamic banking, CIMB Niaga’s Sharia Business Unit (UUS) (CIMB Niaga Syariah) maintained its position as Indonesia’s largest UUS, with total financing of Rp52.9 trillion and DPK of Rp45.0 trillion as of 31 March 2026.
CIMB Niaga Syariah also continues to strengthen its funding structure by increasing low-cost funds through community networks and strategic sharia partnerships, to support sustainable growth while expanding the national sharia financial ecosystem.
From a sustainability perspective, CIMB Niaga implements various integrated initiatives to support customers and society, both environmentally and socially. In Q1 2026, CIMB Niaga recorded sustainable financing of Rp60.2 trillion, or nearly 26% of total outstanding financing.
This achievement reflects ongoing expansion in priority sectors, including renewable energy and the Micro, Small, and Medium Enterprises (MSME) sector, as well as growth in sustainability-linked loans portfolio. As of March 2026, MSME financing reached Rp25.7 trillion, or about 43% of CIMB Niaga’s total sustainable financing portfolio, underscoring a strong focus on inclusive and socially impactful financing.
“Our progress in sustainable financing, decarbonisation, and various social initiatives demonstrates CIMB Niaga’s determination to grow responsibly while delivering real impact for society and the environment. We will continue to consistently integrate sustainability principles into our business strategy, so that the growth we achieve can support inclusive development and strengthen Indonesia’s long-term economic resilience,” Lani stated.
Strengthening the Integrated Digital Financial Ecosystem
Innovation and focus on customer needs (customer centricity) remain the foundation of CIMB Niaga’s digital development, in line with the commitment to deliver simpler, better, faster integrated services. In the first quarter of 2026, 90.6% of customer financial transactions were conducted through branchless banking channels, including OCTO (app and website), OCTOBIZ (app and website), Automated Teller Machines (ATM), and OCTO Pay (electronic money).
As digital service adoption increases, CIMB Niaga continues to integrate physical and digital channels through the Digital Branch and Digital Hub concept. These branches combine self-service digital capabilities while maintaining a touch of personal service.