Indonesian Islamic Banks Maintain Optimism Amid Economic Challenges

Mixed Financial Performance Across Islamic Banks

Indonesian Islamic banks are showing resilience in 2025, with mixed financial results across different institutions. As of November 2025, the banks have reported varying performances in key financial metrics.

Bank Mega Syariah

Bank Mega Syariah reported a 3.0% increase in pre-tax profit to Rp 174.46 billion ¹

, demonstrating stability in their financial performance. The bank's financing grew by 37.52% year-on-year to Rp 10.27 trillion, while third-party funds rose by 17.5% to Rp ¹

Source 1

https://keuangan.kontan.co.id/news/bank-mega-syariah-raih-laba-sebelum-pajak-rp-17446-miliar-optimis-capai-target-rbb

. Corporate Secretary Hanie Dewita expressed confidence in achieving their Business Plan (RBB) target for 2025, citing the positive trend observed until November ¹

Source 1

https://keuangan.kontan.co.id/news/bank-mega-syariah-raih-laba-sebelum-pajak-rp-17446-miliar-optimis-capai-target-rbb

.

BCA Syariah

BCA Syariah maintained a positive growth trajectory, with net profit rising 13.6% year-on-year to Rp 187 billion by November 2025 ²

. The bank's financing reached Rp 12.6 trillion, a 21% increase, while third-party funds grew by 25.8% to Rp 14.4 trillion ²

Source 2

https://keuangan.kontan.co.id/news/bca-syariah-optimistis-target-kinerja-bisnis-tahun-ini-dapat-tercapai-sesuai-rbb

. This strong performance positions BCA Syariah well to meet its business targets for the year.

Bank bjb Syariah

Bank bjb Syariah faced some challenges, reporting a 9.51% decline in profit to Rp 45.43 billion as of November 2025 ³

. Despite this decrease, the bank's financing grew by 10.22% to Rp 10.59 trillion, and third-party funds increased by 9.12% to Rp 14.22 trillion ³

Source 3

https://keuangan.kontan.co.id/news/bank-bjb-syariah-tetap-optimistis-menjaga-kinerja-hingga-akhir-2025

. CEO Arief Setyahadi acknowledged the pressure on asset quality but expressed confidence in managing these challenges through measured risk mitigation strategies.

Industry Outlook

The varied performances of these Islamic banks reflect the complex landscape of Indonesia's financial sector in 2025. While some institutions face headwinds, others are capitalizing on growth opportunities. The overall optimism among these banks suggests confidence in their strategies and the resilience of the Islamic banking sector.