PT Bank CIMB Niaga Reports Consolidated Pre-Tax Profit Of IDR4.4 Trillion In 1H2025
KUALA LUMPUR, July 30 (Bernama) -- PT Bank CIMB Niaga Tbk has reported an unaudited consolidated pre-tax profit of IDR4.4 trillion in the first half of 2025 ended June 30, 2025 (1H2025), translating to an earnings per share of IDR137.43.
CIMB Niaga president director Lani Darmawan said the bank delivered a balanced performance in 1H2025, reflecting the resilience of its strategy and the discipline of its execution.
She added that CIMB Niaga recorded healthy and prudent loan growth in line with the bank’s risk appetite and market dynamics, while maintaining stable asset quality, robust capital and liquidity as well as a well-diversified revenue base -- all of which reinforce the strength of its franchise.
“Looking ahead, we will continue to allocate capital strategically to drive sustainable growth and stronger risk-adjusted returns.
“As we stay true to our purpose of ‘Advancing Customers and Society’, our focus remains on providing banking solutions that are simpler, better, and faster, enabling customers to thrive and supporting inclusive progress for the communities we serve,” she said in a statement today.
CIMB Niaga maintained a solid capital and liquidity position with a capital adequacy ratio and a loan-to-deposit ratio of 24.0 per cent and 87.3 per cent, respectively, while total consolidated assets stood at IDR357.9 trillion as of June 30, 2025.
Total deposits increased by 4.8 per cent year-on-year (y-o-y) to IDR261.9 trillion, showcasing a robust current account and savings account (CASA) ratio of 69.0 per cent.
Meanwhile, CASA grew by 10.9 per cent y-o-y, driven by stronger customer relationships and enhanced digital touchpoints.
Total loans grew 6.8 per cent y-o-y to IDR231.8 trillion, driven by strong performance across key segments.
Corporate banking recorded the highest growth at 9.3 per cent y-o-y, while small medium enterprise rose 7.3 per cent y-o-y and consumer banking grew steadily at 4.7 per cent y-o-y.
“The increase in retail loans was largely attributed to auto loans, which grew 26.7 per cent y-o-y,” CIMB Niaga said.
Meanwhile, CIMB Niaga’s Syariah Business Unit (CIMB Niaga Syariah) maintained its position as the largest Shariah business unit in Indonesia.
As of June 30, 2025, its total financing reached IDR59.6 trillion, marking a y-o-y increase of IDR1.5 trillion or 2.5 per cent, mainly driven by growth in the wholesale and commercial segments, CIMB Niaga said.
The bank said total third-party deposits stood at IDR48.2 trillion.
It added that CIMB Niaga Syariah remained focused on improving its funding composition, particularly by expanding low-cost funding through strengthened strategic Islamic partnerships and deeper engagement with the Islamic community.
“With sustainability being a key priority, nearly 25 per cent of the bank’s total financing (equivalent to IDR57.6 trillion) supports a just transition, low-carbon economy, and the United Nation’s Sustainable Development Goals,” said Lani.
In line with the bank’s commitment to sustainability, CIMB Niaga also participated in the inauguration of international carbon trading by the Indonesia Carbon Exchange’s platform, IDX Carbon, in January this year.
“We have also increased renewable energy utilisation to support sustainable operations by installing solar panels at one of our branches in Yogyakarta in June 2025,” added Lani.
-- BERNAMA