Stronger Fundamentals Drive MNC Bank's Net Profit Growth in 2025 - BCA Sekuritas
PT Bank MNC Internasional Tbk (IDX: BABP) or MNC Bank, a subsidiary of PT MNC Kapital Indonesia Tbk (IDX: BCAP) which is part of the MNC Group, reported its financial performance for the fiscal year ended 31 December 2025. Amid macroeconomic dynamics, MNC Bank demonstrated resilience by recording sustainable net profit growth and strengthening various key financial indicators.
Solid and Sustainable Profit Growth
Based on the audited 2025 financial statements, MNC Bank booked a Net Profit for the Year of Rp81.78 billion, an increase of 9.26% year-on-year (YoY) compared to the Rp74.85 billion achieved in 2024. This profit growth was driven by increases in net interest income, non-interest operational income, and operational cost efficiencies.
MNC Bank’s Operational Profit also rose 23.28% YoY to Rp93.26 billion from Rp75.65 billion in 2024. This reflects the success of management’s strategy in enhancing asset productivity and business process effectiveness across the organisation.
Increased Revenue and Operational Efficiency
MNC Bank recorded a rise in Total Interest Income to Rp1.52 trillion at the end of 2025, up from Rp1.40 trillion the previous year. This increase was supported by selective and prudent credit disbursements, where total credit (before reserves) grew to Rp11.61 trillion.
Additionally, other operational income increased to Rp193.48 billion, primarily from net gains on securities sales and higher foreign exchange transaction income. This achievement demonstrates the increasingly solid diversification of MNC Bank’s revenue sources.
Rita Montagna, President Director of MNC Bank, emphasised the importance of innovation in facing digital banking competition. “The significant increase in other operational income shows that MNC Bank has successfully captured opportunities in the capital markets and other banking services. Moving forward, we will continue to strengthen our digital ecosystem through MotionBank to provide a more inclusive and efficient banking experience for Indonesian society,” said Rita Montagna.
Strong Fundamentals and Rising Customer Confidence
MNC Bank’s capital structure grew stronger with Total Equity increasing to Rp3.75 trillion as of 31 December 2025. This improvement provides greater room for MNC Bank to expand its business and invest in technology in the future.
On the liquidity side, public confidence remained high, as reflected in Total Deposits (Third-Party Funds) rising to Rp14.69 trillion, proving that MNC Bank remains a top choice for customers entrusting their funds.
Strategy Towards 2026
Entering 2026, MNC Bank is committed to maintaining this growth momentum by focusing on:
Digitalisation Acceleration: Enhancing features and reach of MotionBank services as the engine of MNC Bank’s growth.
Credit Quality: Maintaining non-performing loan ratios at safe levels through stringent underwriting processes.
Ecosystem Synergy: Optimising synergies with the MNC Group ecosystem to efficiently reach a broader customer base.
“With stronger fundamentals and continuously improving performance, we are optimistic that MNC Bank will deliver greater added value for investors and become a trusted financial partner for all customers,” concluded Rita Montagna.