OCBC Forecasts Rp5 Trillion Profit in 2025

JAKARTA - PT Bank OCBC NISP Tbk (NISP) reaped a net profit of IDR 5.1 trillion or grew 4 percent year-on-year (year-on-year/yoy) in 2025. Return on Equity (ROE) or return on equity also increased by 12.2 percent.

"In 2025, the bank will again make sustainable performance," said Bank OCBC Director Hartati in a Press Conference for the Annual General Meeting of Shareholders and Public Exposure, at the OCBC Tower, Thursday, April 9.

In terms of intermediation, total credit disbursed grew 2 percent to Rp173 trillion. This growth was still accompanied by maintained credit quality, reflected by the Non-Performing Loan (NPL) ratio of 1.9 percent, lower than the industry average.

On the fund collection side, third-party funds (DPK) increased significantly by 18 percent to Rp244 trillion. This growth was mainly driven by a surge in giro and savings (CASA) which jumped 24 percent, so that the CASA ratio reached 58 percent at the end of 2025.

The Company is also supported by strong capital with a capital adequacy ratio (CAR) of 24.5%, providing sufficient room for future business expansion.

Hartati said that in 2025, the bank's net interest income was recorded to have decreased in line with the slowing credit growth and a decrease in the net interest margin.

"Non-interest income in 2025 increased from the previous year, mainly supported by an increase in income from the sale of securities and also foreign exchange transaction income which is influenced by market conditions," he said.

In terms of efficiency, the bank recorded improvements reflected by the Cost-to-Income Ratio (CIR) of 47.1 percent, lower than the previous year. In addition, the BOPO ratio is maintained at 69.6 percent. This efficiency improvement is supported by an increase in non-interest income, while operating costs only grew by 1.4 percent.

The distribution of PT Bank OCBC NISP Tbk's credit is diversified into various economic sectors. Productive credit dominates with a share of 84%, consisting of working capital credit of 41 percent and investment credit of 43 percent, while consumer credit reaches 16 percent.

"If we look at the composition of loans disbursed for the productive sector, it reaches 84 percent consisting of working capital loans and investment loans of 41 percent and 43 percent respectively, while consumer loans are 16 percent," he said.