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Jakarta, January 29, 2026 – PT Bank OCBC NISP Tbk recorded solid financial performance throughout the 2025 financial year.
| Key Financial Performance (Consolidated) as of 31 December - In IDR trillion, except % | ||||
|---|---|---|---|---|
| Description | 2025 | 2024 | ∆% | YoY |
| Profit After Tax | 5.1 | 4.9 | 4% | |
| Demand Deposits & Savings | 141.1 | 114.0 | 24% | |
| Total Third Party Funds | 243.5 | 205.9 | 18% | |
| Total Assets | 308.1 | 281.0 | 10% | |
| Total Equity | 43.9 | 40.7 | 8% | |
In 2025, Bank recorded Profit after tax amounted to Rp5.1 trillion, growing by 4% compared to the previous year. This growth was mainly supported by a 10% increase in operating income to Rp 13.1 trillion.
From the lending perspective, total loans grew by 2% to Rp173.4 trillion, with credit quality remains well managed, as reflected in the controlled Gross Non-Performing Loan (NPL) ratio of 1.9%. The NPL provision ratio remains adequate at 226.0%.
Furthermore, Bank’s liquidity position remains in a good position, as reflected by a Liquidity Coverage Ratio (LCR) of 240.9%. Third Party Funds (DPK) have increased by 18% year-on-year (YoY), reaching Rp 243.5 trillion, primarily supported by a 24% annual growth in current accounts and savings (CASA) to Rp141.1 trillion. This increase has driven the CASA ratio up to 58.0%, compared to 55.3% in the previous year.
President Director of OCBC, Parwati Surjaudaja, stated that the Bank remain focused on maintaining balance between sustainable growth and prudent risk management. “Throughout 2025, the Bank was able to maintain solid performance amid macroeconomic dynamics. Strengthened deposits and robust asset quality management served as the key foundations for enhancing the Bank’s sustainable performance going forward,” she said.
In terms of capital adequacy, the Capital Adequacy Ratio (CAR) also increased to 24.5% from 23.6% from previous year, providing ample capacity to support future business growth.
In terms acceleration of digital transformation, the Bank continued to record positive progress. Throughout 2025, total digital transaction volume grew by 46% year-on-year, supported by a 13% annual increase in active users of internet banking and OCBC Mobile Banking, as well as a 19% year-on-year growth in active users of OCBC Business Mobile for corporate customers. Total transaction value reached approximately Rp1,500 trillion during 2025. The strengthening of these digital capabilities is aligned with the Bank’s efforts to enhance customer experience, expand service reach, and drive sustainable operational efficiency.
An overview of the financial report and financial ratios as of December 31, 2025, is presented in the attached factsheet.
About OCBC
PT Bank OCBC NISP Tbk (OCBC) was established in Bandung in 1941 under the name Nederlandsch Indische Spaar en Deposito Bank. Over its 84 years of journey, the Bank has undergone several name changes, from 'Bank NISP' to 'Bank OCBC NISP', and 'OCBC' on November 14, 2023. As of December 31, 2025, OCBC serves customers through 202 office networks in 54 cities in Indonesia. Furthermore, customers could conduct transaction through the Bank's 521 ATM, about 90,000 ATM networks in Indonesia, and connected to more than 450 OCBC Group ATM networks in Singapore and Malaysia. OCBC also serves customers through various digital channels, including mobile banking and internet banking – both for individuals and corporations. OCBC is one of the banks with the highest credit ratings in Indonesia, namely AAA(idn)/stable from PT Fitch Ratings Indonesia.
