CIMB Niaga posts 1H25 pre-tax profit of RM1.13bil
PETALING JAYA: PT Bank CIMB Niaga Tbk (CIMB Niaga) has reported a consolidated profit before tax of 4.4 trillion rupiah or about RM1.13bil 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,' Lani said.
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 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 accounts and savings accounts (Casa) grew by 10.9% to 180.6 trillion rupiah, boosting the Casa ratio to 69%.
'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 syariah business unit in Indonesia.
As of June, syariah 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 syariah 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.
Lani said sustainability also remained a strategic focus for the bank in 1H25.
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