New Commerce Bank (BNC) in Indonesia achieved a net profit of 565.69 billion rupiah at the end of 2025, reflecting a substantial improvement compared to its profit of 19.88 billion rupiah in 2024. This profit growth comes at a time when the bank is looking to enhance its lending strategies, with the bank's CEO, Iri Budiuno, confirming that strong performance was achieved while maintaining asset quality and increasing operational efficiency.
As of December 2025, the bank's total assets reached 18.97 trillion rupiah, an increase of 8.99% compared to the previous year. Customer deposits also rose to 14.03 trillion rupiah, up 7.37%, reflecting customer confidence in the bank.
Event Details
Data shows that the bank managed to keep its non-performing loan (NPL) ratio at 0.89%, indicating effective risk management. The loan-to-deposit ratio (LDR) stood at 51.21%, while the liquidity coverage ratio (LCR) recorded 614.93%, reflecting a strong financial position.
The bank's efficiency improved significantly, with the cost-to-income ratio (BOPO) decreasing to 84.18% from 99.34% in the previous year. The cost-to-income ratio (CIR) stabilized at 31.33%, while net interest margins (NIM) reached 14.39%.
Background & Context
New Commerce Bank was established in Indonesia as part of government efforts to enhance the digital banking sector. The country has seen notable growth in the use of digital banking services, contributing to an expanded customer base and increased deposits. In recent years, the bank has become one of the key players in the market, focusing on innovation and providing banking services that meet customer needs.
The Indonesian government aims to promote financial inclusion, which enhances the importance of banks like BNC in providing diverse and flexible financial services. This trend is expected to continue in the coming years, opening new avenues for growth.
Impact & Consequences
The strong financial performance of New Commerce Bank is a positive indicator of the stability of the banking sector in Indonesia. As the bank continues to expand its services, it is expected to contribute to strengthening the local economy through increased investments and job creation.
Moreover, the focus on high-quality loans reflects the bank's commitment to financial sustainability, enabling it to face future economic challenges. New strategies such as launching buy now, pay later (BNPL) services demonstrate the bank's vision to meet changing customer needs.
Regional Significance
The experience of New Commerce Bank serves as a model for many banks in the Arab region, as these banks seek to enhance innovation in their banking services. With the increasing reliance on technology in the financial sector, Arab banks can benefit from the lessons learned from BNC's experience in promoting financial inclusion and providing innovative banking services.
In conclusion, the success of New Commerce Bank is a testament to the ability to achieve growth in a competitive environment, opening new horizons for the banking sector in Indonesia and enhancing opportunities for collaboration with banks in the Arab region.