CIMB Niaga president director Lani Darmawan.
KUALA LUMPUR: CIMB Group Holdings Bhd
’s Indonesian subsidiary, PT Bank CIMB Niaga Tbk (CIMB Niaga), posted an unaudited consolidated profit before tax of 6.7 trillion rupiah for the first nine months of 2025 (9M25), recording a 1.7% year-on-year increase. This translated into earnings per share of 209.57 rupiah.
CIMB Niaga president director and CEO Lani Darmawan said the bank delivered positive bottom-line growth in the first nine months of 2025, supported by healthy loan expansion and strong current and savings account (CASA) momentum.
“On a quarterly basis, our results reflect improved operating performance and profitability, driven by disciplined cost management and sustained revenue growth.
“We also maintained prudent asset quality management with gross non-performing loan (NPL) improving to 1.98%, alongside a strong capital position and solid organic capital generation, reaffirming the Bank’s robust fundamentals and financial resilience,” she said in a statement.
Lani noted that the bank remained focused on executing its Forward30 strategy to drive profitable and sustainable growth, guided by its purpose of advancing customers and society.
She added that ongoing investments in technology and digital innovation continue to enhance customer experience and support scalable, customer-centric growth.
“We are confident that our strong fundamentals, dedicated team, and purpose-driven approach will continue to deliver long-term value and positive impact for our customers, communities, and Indonesian society.”
CIMB Niaga maintained a solid capital and liquidity position, with a capital adequacy ratio (CAR) of 24.7% and a loan-to-deposit ratio (LDR) of 81.1%.
As at Sept 30, 2025, total consolidated assets stood at 369.5 trillion rupiah, reinforcing its position as Indonesia’s second-largest privately owned bank.
Total deposits rose 8.6% year-on-year to 278.0 trillion rupiah, supported by a strong CASA ratio of 67.9%. CASA balances grew 10.6% to 188.8 trillion rupiah, driven by stronger customer relationships and enhanced digital engagement.
Meanwhile, CIMB Niaga’s Sharia Business Unit (CIMB Niaga Syariah) remained among Indonesia’s top three, with total financing of 58.2 trillion rupiah and third-party deposits of 57.9 trillion rupiah as at Sept 30, 2025.
Lani said nearly 24% of the bank’s total financing, or 54.7 trillion rupiah, supports a just transition, low-carbon economy, and the United Nations Sustainable Development Goals (SDGs).
In September 2025, CIMB Niaga launched its “Sustainability-Linked FX and Derivatives Programme,” aimed at clients integrating ESG principles into their operations in line with the bank’s Green, Social, and Sustainable Impact Products and Services Framework.
Lani said the initiative underscores the bank’s commitment to embedding sustainability across its financial solutions and advancing its long-term goal of a greener future.
In 9M25, 91.1% of CIMB Niaga’s total customer financial transactions were carried out through branchless channels, including OCTO (app and web), BizChannel@CIMB, ATMs, and OCTO Pay, reflecting the bank’s focus on innovation and customer-centric digital development.
