CIMB Niaga Auto Finance Boosts Credit Disbursement in Final Month of 2025
Executive Summary
Key insights and market outlook
PT CIMB Niaga Auto Finance (CNAF) is aggressively pushing credit disbursement in December 2025, capitalizing on vehicle manufacturers' special promotions during the year-end period. CNAF's President Director, Ristiawan Suherman, noted that while this presents a good opportunity for more aggressive financing, it also potentially increases the risk of Non Performing Financing (NPF) due to the numerous holidays like Christmas and New Year.
Deep Dive Analysis
CNAF Intensifies Credit Disbursement in December 2025
Strategic Year-End Financing Push
PT CIMB Niaga Auto Finance (CNAF) is maximizing its financing disbursement in December 2025, leveraging the typical year-end vehicle promotions by manufacturers. According to Ristiawan Suherman, CNAF's President Director, these promotions create a favorable environment for more aggressive credit distribution.
Balancing Growth and Risk
While the year-end period presents opportunities for increased financing, Ristiawan highlighted the potential risk of rising Non Performing Financing (NPF). The presence of multiple holidays during this period, including Christmas and New Year, could impact consumers' ability to make timely payments.
Market Context and Strategy
The automotive financing sector typically sees increased activity during year-end due to manufacturers' promotional campaigns. CNAF is capitalizing on this trend while maintaining vigilance regarding potential credit risks associated with the festive season.
Source References
Story Info
Topics Covered
Key Events
Year-end Credit Disbursement Push
NPF Risk Management