Citi Indonesia Achieves Strong Q3 2025 Performance

Financial Highlights

Citi Indonesia reported a net profit of Rp2.3 trillion for Q3 2025, demonstrating the bank's continued financial strength. The achievement was primarily driven by a 10% year-on-year increase in Net Interest Income (NII), reflecting effective management of interest-earning assets. The bank maintained a stable low-cost fund ratio of 78%, contributing to its robust financial performance.

Key Performance Indicators

The bank's financial metrics remained strong, with Return on Equity (ROE) reaching 15.4% and Return on Assets (ROA) at 4.1%. These figures underscore Citi Indonesia's efficient capital utilization and asset management. Regulatory compliance was also evident in the bank's strong liquidity and capital positions.

Regulatory Compliance

Citi Indonesia maintained healthy regulatory ratios, with a Liquidity Coverage Ratio (LCR) of 277% and a Net Stable Funding Ratio (NSFR) of 154%, both significantly above the minimum regulatory requirements. The bank's Capital Adequacy Ratio (CAR) stood at 35.8%, up from 33.1% in the same period last year, demonstrating enhanced capital strength.

Business Performance

The bank's Treasury and Trade Solutions (TTS) business recorded 3% year-on-year growth in Q3 2025, reflecting steady demand for trade finance and cash management solutions. Citi Indonesia also expanded its collection services through an omnichannel platform, enhancing its capability to manage retail and e-commerce fund flows.

Strategic Outlook

CEO Batara Sianturi emphasized Citi Indonesia's commitment to maintaining a prudent approach to business while continuing to provide comprehensive banking solutions to its diverse client base, including local and multinational corporations, financial institutions, and public sector entities. The bank's strong performance in Q3 2025 underscores its resilience and growth potential in Indonesia's competitive financial landscape.