CIMB Niaga posts 1H25 pre-tax profit of IDR4.4 trillion

The Star

5 days ago

PETALING JAYA: PT Bank CIMB Niaga Tbk (CIMB Niaga) has reported a consolidated profit before tax of 4.4 trillion rupiah for the first half of 2025 (1H25), supported by consistent loan growth, a healthy funding profile, as well as strong capital and liquidity positions.
Earnings per share stood at 137.43 rupiah, reflecting solid profitability in a competitive operating environment.
'In 1H25, CIMB Niaga delivered a balanced performance, reflecting the resilience of our strategy and the discipline of our execution,' said Lani Darmawan, the bank's president director.
'We recorded healthy and prudent loan growth in line with our risk appetite and market dynamics, while maintaining stable asset quality, robust capital and liquidity, and a well-diversified revenue base, all of which reinforce the strength of our franchise.'
CIMB Niaga is an indirect, 91.44% subsidiary of CIMB Group Holdings Bhd .
As of June 30, the bank's total consolidated assets reached 357.9 trillion rupiah, solidifying its position as Indonesia's second largest privately owned bank.
Total loans increased by 6.8% year-on-year (y-o-y) to 231.8 trillion rupiah, driven by broad-based growth across key segments. Corporate banking led with a 9.3% increase, while small and medium enterprises (SMEs) expanded by 7.3% and consumer banking grew 4.7%.
Within retail lending, auto loans stood out, surging 26.7% y-o-y.
At the same time, the lender also reported strong performance on the funding side, as total deposits rose to 261.9 trillion rupiah, an increase of 4.8% y-o-y, while current account-savings account (CASA) grew by 10.9% to 180.6 trillion rupiah, boosting the CASA ratio to 69.0%.
'This growth reflects stronger customer relationships and enhanced digital touchpoints,' CIMB Niaga stated.
Capital and liquidity indicators remain robust, with a capital adequacy ratio of 24% and a loan-to-deposit ratio of 87.3%, supporting ongoing lending capacity and operational resilience.
CIMB Niaga's Islamic banking arm, CIMB Niaga Syariah, retained its position as the largest Sharia business unit in Indonesia.
As of June, Sharia financing reached 59.6 trillion rupiah, up 2.5% y-o-y, largely due to growth in the wholesale and commercial segments. Total third-party deposits under the Sharia unit stood at 48.2 trillion rupiah.
The bank highlighted its focus on expanding low-cost funding through strategic Islamic partnerships and deeper community engagement.
Notably, Lani said sustainability remained a strategic focus in 1H25.
'With sustainability being a key priority, nearly 25% of the bank's total financing, or equivalent to 57.6 trillion rupiah, supports a just transition, low-carbon economy, and the United Nations Sustainable Development Goals,' she pointed out.
CIMB Niaga also participated in the launch of the Indonesia Carbon Exchange in January and took steps to reduce its operational carbon footprint, including the installation of solar panels at one of its Yogyakarta branches in June 2025.
Looking ahead, Lani said the bank 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 clear to provide banking solutions that are simpler, better, and faster, enabling customers to thrive and supporting inclusive progress for the communities we serve,' said Lani.