PETALING JAYA: CIMB Group Holdings Bhd
’s Indonesian subsidiary, PT Bank CIMB Niaga Tbk (CIMB Niaga), has reported a pre-tax profit 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 underscored 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 of 1.81% and a reduced cost of credit of 0.74%.
“Ultimately, achieving a 13.0% return on equity 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 of 24.8% and a loan-to-deposit ratio 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 small and medium enterprise segment at 2.0%.
Retail loan growth was mainly driven by auto loans, which increased 10.1% y-o-y.
In syariah 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.
