Citibank Indonesia Shows Strong Q3 2025 Performance

Positive Financial Highlights

Citibank Indonesia is showing strong performance in Q3 2025, according to CEO Batara Sianturi. The bank's financial condition remains solid, with double-digit profit momentum and a strong balance sheet. The loan-to-deposit ratio (LDR) is currently around 50%, reflecting a robust liquidity position.

Strategic Focus for 2026

The bank is focusing on strengthening its fundamentals heading into 2026. With supporting monetary policy from Bank Indonesia, Citibank is well-positioned for future growth. The potential decrease in lending and deposit interest rates is expected to positively impact financing activities and business growth strategies.

Credit Growth Prospects

Citibank has a strong pipeline for credit disbursement in Q4 2025, with expectations that it will be realized before year-end. The bank's portfolio quality is good, with well-managed non-performing loans (NPL) and decreasing lending rates creating a conducive environment for clients to build their operations and capital expenditure towards 2026.

Recent Financial Performance

In Q2 2025, Citi Indonesia recorded a net profit of Rp1.3 trillion, supported by an 11% year-on-year increase in net interest income and a low-cost fund ratio of 75%. The bank's liquidity coverage ratio (LDR) and net stable funding ratio (NSFR) remained strong at 295% and 160%, respectively, exceeding the minimum requirements set by the Financial Services Authority (OJK).