CNAF Maintains Optimism on 2025 Profit Target Amid Economic Challenges

Strong Year-to-Date Performance

PT CIMB Niaga Auto Finance (CNAF), a leading automotive financing company in Indonesia, remains confident in achieving its 2025 profit target despite facing economic uncertainties and the impact of recent flooding in Sumatra. As of November 2025, the company has successfully achieved 76% of its pre-tax profit (PBT) target, demonstrating strong year-to-date performance.

Strategic Approach to Achieve Target

To reach the full-year target, CNAF's President Director, Ristiawan Suherman, stated that the company will focus on optimizing financing distribution through its extensive network of branches. CNAF currently operates in 31 cities across Indonesia, with particular emphasis on the Java region where significant market opportunities exist. The company is also working on enhancing the functionality and effectiveness of its branch operations to maximize outreach and customer engagement.

Market Context and Future Outlook

The automotive financing sector in Indonesia faces various challenges, including economic fluctuations and natural disasters. However, CNAF's strategic approach and robust operational framework position the company well to navigate these challenges. The company's affiliation with CIMB Niaga, one of Indonesia's major banking groups, provides additional stability and support for its operations.