The Shiro Copr , JAKARTA — PT Bank CIMB Niaga Tbk. ( BNGA ) record significant growth in cheap price ( current account and savings account Throughout the first semester I/2025, amid increasing interest rate pressures.
In the financial report of the company published by Harian Bisnis Indonesia on Wednesday (30/7/2025), CASA CIMB Niaga grew 10.9% annually ( year-on-year /yoy) became Rp180.64 trillion, from the position of Rp162.88 trillion in the first half of 2024.
In total, third-party funds (DPK) of CIMB Niaga increased by 4.82% year-on-year to Rp261.89 trillion, from previously Rp249.84 trillion. This shows that the contribution of CASA to total DPK has also increased, strengthening the low-cost funding-based funding strategy.
However, the bank still faces pressure from the increase in interest expenses of 11% to Rp5.76 trillion, up from Rp5.19 trillion previously. This also puts pressure on net interest income ( net interest income (NII) fell 0.47% to Rp6.62 trillion from Rp6.65 trillion.
This condition is also reflected in the correction of NIM, which dropped to 3.96%, down from 4.21% previously. Nevertheless, the bank still managed to record a net profit of Rp3.51 trillion, an increase of 1.94% compared to the first half of 2024, which was Rp3.44 trillion.
This profit growth is supported by the efficiency on the credit risk side, namely the decrease in the provision for credit loss allowances ( impairment loss ) which dropped 35.29% year-on-year to Rp565.81 billion.
From the intermediary side, CIMB Niaga disbursed loans amounting to Rp231.84 trillion, an increase of 6.79% year-on-year. As for the loan-to-deposit ratio or loan to deposit ratio (LDR) increased to 87.27% from 85.74%, reflecting continued credit expansion within healthy liquidity limits.
Throughout the first half of this year, loan to deposit ratio (LDR) CIMB Niaga also increased to 87.27% from the previous position of 85.74%.
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