CIMB Niaga posts 1.7% profit growth in 9M25
Jakarta — PT Bank CIMB Niaga Tbk, Indonesia’s fifth-largest lender by assets and part of Malaysia’s CIMB Group Holdings, reported a 1.7% year-on-year profit growth for the first nine months of 2025, supported by stable net interest margins and expanding retail loan segments.
The bank recorded a consolidated net profit of IDR 4.61 trillion, compared with IDR 4.53 trillion in the same period last year. According to the bank’s financial statement, the moderate growth reflects cautious credit expansion amid a softening domestic economy and heightened global uncertainty.
Steady Core Income and Asset Quality
CIMB Niaga’s net interest income (NII) rose 2.4% to IDR 12.8 trillion, driven by higher lending volumes in the consumer and SME sectors. The bank’s non-performing loan (NPL) ratio improved slightly to 2.4%, from 2.6% a year earlier, underscoring effective credit risk management.
“Our focus remains on maintaining prudent asset quality while supporting Indonesia’s economic recovery,” said Lani Darmawan, President Director of CIMB Niaga.
“We see continued opportunities in consumer banking, digital lending, and sustainable finance initiatives.”
Digital Transformation and Sustainable Finance
CIMB Niaga continues to expand its digital banking ecosystem, with its OCTO Mobile platform seeing user growth of 18% year-on-year.
The bank also reported progress in its ESG-aligned financing, allocating over IDR 18 trillion to green and social projects in line with Bank Indonesia’s sustainable banking roadmap.
Macro and Sector Outlook
Analysts at the International Financial Consultant Certified Institute (IFCCI) noted that while Indonesian banks face narrowing interest spreads, digital adoption and green financing are becoming key profitability drivers.
“CIMB Niaga’s measured approach to credit growth and its integration of sustainability practices align with regional banking trends,” said Dr. Raymond Leong, IFCCI Senior Banking Analyst.
“However, rising funding costs and currency volatility remain downside risks heading into 2026.”
Outlook
The bank expects stable earnings momentum in the fourth quarter, backed by controlled expenses and continued diversification across retail and corporate segments.
CIMB Niaga reaffirmed its commitment to maintaining a capital adequacy ratio above 20%, ensuring resilience against macroeconomic headwinds.
