Jakarta, March 3, 2026 — PT Bank SMBC Indonesia Tbk. (SMBC Indonesia) targeted growth in 2025 through risk management and prudent principles to consistently provide comprehensive financial services to various retail and business segments, from ultra-micro to corporate.

"SMBC Indonesia's consolidated performance for the 2025 period reflects our strategy of focusing on business fundamentals underpinned by good governance," said Henoch Munandar, President Director of SMBC Indonesia.

As of the end of December 2025, SMBC Indonesia's total consolidated assets reached Rp245.9 trillion, growing 2.0% year-on-year (yoy).

In terms of credit, SMBC Indonesia recorded consolidated growth of 3.3% yoy to Rp185.4 trillion at the end of 2025. This growth was driven by a number of segments, such as the corporate and commercial, which increased by 6.5% yoy and Jenius’ credit realization, excluding Digital Micro, which grew by 11.3% yoy.

Consolidated credit realization throughout 2025 was also supported by an increasingly efficient funding structure, with low-cost funding (CASA) increasing by 16.7% yoy to Rp53.2 trillion and the CASA ratio growing to 40.6%. On a consolidated basis, SMBC Indonesia's total third-party funds grew 8.0% yoy to Rp131.0 trillion at the end of last year to support 2025 funding needs.

SMBC Indonesia consistently maintained healthy liquidity and funding ratios, with a liquidity coverage ratio (LCR) of 229.4% and a net stable funding ratio (NSFR) of 123.0% as of December 31, 2025. Both ratios reflect SMBC Indonesia's efforts to implement prudent principles to maintain strong liquidity and capital.

The company also recorded consolidated capital adequacy ratio (CAR) of 29.3% at the end of 2025. This figure is above the industry average of 25.9% and demonstrates the bank’s room to further develop its business and serve more customers across various segments going forward.

The bank recorded a gross non-performing loan ratio of 2.6% at the end of December 2025, a slight improvement compared to 2.8% at the end of September 2025. This improvement is the result of SMBC Indonesia's efforts to consistently implement sound risk management.

SMBC Indonesia recorded a consolidated operating income of Rp18.4 trillion, an increase of 5.8% yoy. Net Interest income grew 4.6% yoy, with net interest margin (NIM) maintained at 7.0% amid competitive credit interest rates, rising funding costs, and ongoing market volatility.

On a consolidated basis, SMBC Indonesia strengthened its provision for impairment losses (CKPN), particularly at its subsidiary, the OTO Group. SMBC Indonesia considers this provision a prudent response to economic dynamics in 2025, as well as the efforts of its financial conglomerate holding company (PIKK) to implement prudent principles and maintain solid capital.

"The increase in the consolidated CKPN also reflects our efforts as PIKK to continuously improve the standards of good corporate governance, as well as to maintain asset quality and bank resilience, while strengthening the foundation for more sustainable growth. With that said, SMBC Indonesia's consolidated net profit attributable to owners of the parent entity was recorded at Rp506 billion for 2025" explained Henoch.

"Furthermore, SMBC Indonesia, as a bank alone, recorded a net profit after tax of Rp1.5 trillion throughout 2025. Meanwhile, our subsidiary, BTPN Syariah (PT Bank BTPN Syariah Tbk.), recorded a consolidated net profit of Rp1,201 billion in 2025, growing 13.2% yoy, with financing disbursement reaching Rp10.3 trillion, growing 2% yoy," Henoch added.

Non-Financial Achievements

As part of its long-term commitment, SMBC Indonesia also continues to strengthen its environmental, social, and governance (ESG) agenda, one of which is through the Daya program, which aims to make a meaningful difference in the lives of millions of people through personal capacity development, financial literacy, business capacity building, and sustainable living.

By December 2025, Daya had empowered nearly 37 million participants through more than 12 thousand activities, including interactive activities such as mentoring, seminars and training, digital-based education, and various other empowerment initiatives.

"For us, sustainable growth cannot be measured solely by financial performance, but also by tangible contributions to society through empowerment and economic inclusion. SMBC Indonesia will continue to pursue initiatives and innovations to play an active role in driving national economic growth that can improve the welfare of all segments of society," Henoch concluded.

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