Jakarta: 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 stated that the bank delivered a balanced performance in 1H2025, reflecting the resilience of its strategy and the discipline of its execution.
According to BERNAMA News Agency, Lani 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, reinforcing the strength of its franchise. The bank plans to continue allocating capital strategically to drive sustainable growth and stronger risk-adjusted returns. Lani emphasized the focus on providing banking solutions that are simpler, better, and faster, to enable customers to thrive and support inclusive progress for communities.
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. 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.
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. The bank reported that total third-party deposits stood at IDR48.2 trillion and highlighted its focus on improving funding composition by expanding low-cost funding through strategic Islamic partnerships and 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. CIMB Niaga participated in the inauguration of international carbon trading by the Indonesia Carbon Exchange’s platform, IDX Carbon, in January this year, and has increased renewable energy utilization by installing solar panels at one of its branches in Yogyakarta in June 2025.