KUALA LUMPUR: CIMB Group Holdings Bhd
’s Indonesian subsidiary, PT Bank CIMB Niaga Tbk (CIMB Niaga), has reported a profit before tax of 8.8 trillion rupiah for the financial year ended Dec 31, 2025 (FY25), translating into earnings per share of 273.53 rupiah and supporting continued growth.
CIMB Niaga president director and chief executive officer Lani Darmawan said the bank’s 2025 results underscore the consistency of its performance and the strength of its franchise.
She noted that CIMB Niaga strengthened its liquidity and capital position during the year, further enhancing its growth prospects and long-term value creation.
“Our rigorous risk management framework is reflected in our asset quality, specifically a gross non-performing loan (NPL) of 1.81% and a reduced cost of credit (CoC) of 0.74%.
“Ultimately, achieving a 13.0% return on equity (ROE) demonstrates our capacity to deliver steady profitability while maintaining a disciplined and stable financial profile,” she said in a statement.
Looking ahead to 2026, Lani said the bank would continue to focus on prudent loan growth, maintaining asset quality, further strengthening our current account savings account (CASA) base, and exercising disciplined cost management.
“With the Forward30 strategy as our compass, we are confident in sustaining resilient performance and delivering enduring value for our stakeholders, including customers and society at large,” she added.
CIMB Niaga maintained a capital adequacy ratio (CAR) of 24.8% and a loan-to-deposit ratio (LDR) of 86.8%.
Its total consolidated assets stood at 372.7 trillion rupiah as at Dec 31, 2025, making it Indonesia’s second-largest privately owned bank.
Meanwhile, the bank’s total deposits rose 3.8% year-on-year to 270.5 trillion rupiah, supported by a 10.1% increase in CASA balances to 189.5 trillion rupiah. This lifted the CASA ratio to 70.0%.
Total loans and financing grew 4.5% year-on-year (y-o-y) to 238.3 trillion rupiah, led by corporate banking which expanded 6.7%, followed by consumer banking at 3.4% and the SME segment at 2.0%.
Retail loan growth was mainly driven by auto loans, which increased 10.1% y-o-y.
In Sharia banking, CIMB Niaga’s CIMB Niaga Syariah, remained the largest Islamic business unit in Indonesia, with financing of 55.7 trillion rupiah and deposits of 50.3 trillion rupiah as at Dec 31, 2025.
In FY25, CIMB Niaga said digital adoption strengthened, with 91.6% of customer financial transactions conducted through branchless banking channels.
In 2025, the bank recorded 59.5 trillion rupiah in sustainable financing, making up 25% of total financing, supported by growth in renewable energy, MSMEs and sustainability-linked loans, with 70% of its palm oil portfolio sustainability-certified as at December 2025.
“Our sustainability achievements in financing, decarbonisation, and community empowerment reflect CIMB Niaga’s commitment to grow responsibly while contributing positively to society and the environment. We will continue to integrate sustainability into our business strategy to support inclusive and resilient economic growth,” Lani said.
