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Jakarta, October 31, 2025 – PT Bank OCBC NISP Tbk ("OCBC") recorded a 15% YoY growth in Total Third-Party Funds reaching Rp230 trillion, with growth between Demand Deposit & Savings (CASA) of 15% YoY and a 16% YoY increase in time deposits. Amid in challenging banking industry landscape, total loans (gross) grew 2% YoY to Rp164.74 trillion, with asset quality remaining well-maintained. The Gross Non-Performing Loan (NPL) ratistood at 2.0%, while the Net NPL was at 0.8%.
As of September 30, 2025, OCBC reported a Net Profit After Tax of Rp3.82 trillion, relatively stable compared the same period the previous year. This performance was supported by a 10% YoY increase in total operating income to IDR 9.71 trillion, while total operating expenses decreased 1% YoY.
Furthermore, Bank’s liquidity position remains in a good position, reflected in a Liquidity Coverage Ratio (LCR) of 279.9%, significantly above the regulatory requirement. The Capital Adequacy Ratio (CAR) increased to 25.1% from 23.7% in same period of the previous year, reflecting solid capital resilience and the Bank's readiness tsupport quality and sustainable growth in the future. In addition, other performance indicators showed positive progress, including improvement in the Cost to Income Ratio (CTIR) t47.6% from 52.8%, and the operating expenses to operating income (BOPO) decreasing to 69.2% from 69.7% in same period of the previous year.
Parwati Surjaudaja, President Director of OCBC stated, “We continue to maintain a balance between growth and risk management, focusing on strengthening total third-party funds, while ensuring healthy asset quality.”
OCBC continues to accelerate its digital transformation as a key pillar of sustainable growth. In the third quarter of 2025, e-channel transactions increased by 55% YoY, supported by a 13% rose in active individual users of internet banking and OCBC Mobile, as well as a 20% increase in active corporate users of OCBC Business Mobile. These results reflect the Bank’s success in expanding digital adoption across customer segments while providing faster and more efficient banking services.
During the same period, OCBC launched its Financial Fitness Index (FFI) 2025 research, which highlighting the challenges facing individuals in maintaining their assets. Although the research recorded a decline in scores for the first time in four years, OCBC remains optimistic that Indonesians can "Win This Economy" by becoming FUNancially FIT. Positive signs of increasing investment literacy are evident, with ownership of complex investments such as mutual funds and stocks doubling from 2% to 4%, particularly among those with a better understanding of risk management. This allows them to remain financially healthy while living a fulfilling and relevant lifestyle.
On the other hand, to continue supporting economic growth in Indonesia, OCBC held the OCBC One Connect 2025 business forum last August. In collaboration with OCBC Singapore, this forum aimed to foster opportunities for synergy across countries, particularly China, and bridge investor needs with local capabilities. Through this forum, OCBC strengthened the Bank's position as part of the OCBC Group, which remains committed to supporting business and economic growth in the ASEAN region and Greater China, while streghthen Bank’s role as strategic partner for customer.
Furthermore, the Bank has received several prestigious awards, affirming OCBC's reputation as one of the best-performing sustainably in Indonesia, including:
An overview of the financial report and financial ratios as of September 30, 2025, is presented in the attached factsheet.
OCBC Performance - 10 Apr 2025
