CIMB Niaga president director Lani Darmawan.
KUALA LUMPUR: CIMB Group Holdings Bhd
’s Indonesian subsidiary, PT Bank CIMB Niaga Tbk (CIMB Niaga), has 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 an earnings per share of 209.57 rupiah.
CIMB Niaga president director and chief executive officer 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 or 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.
CIMB Niaga maintained a solid capital and liquidity position, with a capital adequacy ratio or CAR of 24.7% and a loan-to-deposit ratio or LDR of 81.1%.
As at Sept 30, 2025, total consolidated assets stood at 369.5 trillion rupiah.
This reinforced its position as Indonesia’s second-largest privately owned bank.
Total deposits rose 8.6% year-on-year to 278 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 or SDGs.
