CIMB Niaga Books Profit Of IDR 6.7 Trillion Per Quarter III-2025

CIMB Niaga (Photo: Antara)

JAKARTA - PT Bank CIMB Niaga Tbk (BNGA) today reported a profit before the consolidated tax (unaudited) of IDR 6.7 trillion in the first nine months of 2025. This figure increased by 1.7 percent year-on-year (yoy), and generated earnings for earnings per share of IDR 209.57.

CIMB Niaga President Director & CEO Lani Darmawan said this achievement was supported by a good increase in credit and current accounts and savings accounts (CASA).

"In a quarterly manner, our performance achievement shows increased operations and profitability, driven by disciplined cost management and sustainable revenue growth," said Lani in an official statement quoted on Friday, October 31.

The company also maintains asset quality with a precautionary principle, with a gross non-performing loan (NPL) ratio of 1.98 percent. This is accompanied by a strong capital position and solid capital formation, affirming the good fundamentals and financial resilience of the Bank.

CIMB Niaga also maintains a solid capital and liquidity position with a capital adequacy ratio (CAR) and a loan to deposit ratio (LDR) of 24.7 percent and 81.1 percent, respectively.

Total consolidated assets amounted to IDR 369.5 trillion as of September 30, 2025, which further strengthens CIMB Niaga's position as the second largest national private bank in Indonesia.

The total Third Party Funds (DPK) increased to IDR 278.0 trillion, showing a good CASA ratio of 67.9 percent. CASA grew 10.6 percent yoy to IDR 188.8 trillion, as a result of Bank's efforts to build closer customer relations and improve customer experience as a whole through digital services.

The amount of credit or financing rose 4.6 percent yoy to IDR 228.7 trillion, supported by good performance in all major segments. Small and Medium Enterprises (SMEs) recorded the highest growth of 5.7 percent yoy, followed by Corporate Banking which grew 5.4 percent yoy, and Consumer Banking which increased 4.3 percent yoy. The highest increase in credit/retail financing was mainly contributed by the growth of Car Ownership Loans (KPM) by 18.7 percent yoy.

Meanwhile, the CIMB Niaga Sharia Business Unit (CIMB Niaga Syariah) continues to maintain its position as one of the largest Sharia Business Units in Indonesia. As of September 30, 2025, total financing reached IDR 58.2 trillion. Despite the modest annual movement, CIMB Niaga Syariah remains committed to producing sustainable and responsible growth.

The DPK was recorded at IDR 57.9 trillion, reflecting customer loyalty and trust. CIMB Niaga Syariah also actively strengthens its funding composition by expanding sources of low-cost funds through strategic partnerships based on sharia principles and deep involvement with the Islamic community.

"With sustainability, it is one of our top priorities, almost 24 percent of the total Bank financing (or around Rp. 54.7 trillion) supports a fair transition, low-carbon economy, and the achievement of Sustainable Development Goals (TPB) from the United Nations," said Lani.