PT Bank CIMB Niaga Tbk mengumumkan hasil laporan keuangan tahun 2024 dengan laba sebelum pajak konsolidasi (audited) mencapai Rp8,7 triliun, naik 4,4 persen secara tahunan (year-on-year/Y-o-Y).
Pencapaian ini turut meningkatkan earnings per share menjadi Rp271,59, yang berkontribusi terhadap pertumbuhan bisnis bank.
Presiden Direktur CIMB Niaga, Lani Darmawan, menyatakan bahwa keberhasilan ini merupakan hasil implementasi strategi Forward23+ yang efektif dalam menjaga pertumbuhan berkelanjutan di berbagai segmen utama bisnis perbankan.
“Melalui strategi ini, kami mampu menyediakan solusi keuangan yang sesuai kebutuhan nasabah, memberikan dampak positif bagi masyarakat, serta fokus pada inovasi digital dan peningkatan pengalaman nasabah,” ujar Lani.
Baca Juga: CIMB Niaga Raup Laba Rp 6,83 Triliun di 2024, Tumbuh 5,42%
Lani menambahkan, komitmen menjaga kualitas aset tercermin dari penurunan rasio gross non-performing loan (NPL) menjadi 1,8 persen di 2024, turun dari 2,0 persen di 2023. Pencapaian ini menunjukkan dedikasi bank terhadap praktik perbankan yang bertanggung jawab, sekaligus menciptakan nilai berkelanjutan bagi seluruh pemangku kepentingan.
“Perjalanan kami selama 70 tahun menjadi fondasi yang kuat untuk mendorong transformasi digital, memperluas portofolio produk, dan memperkuat kapabilitas teknologi demi menghadapi peluang pertumbuhan di masa depan,” tambahnya.
CIMB Niaga terus menjaga posisi permodalan dan likuiditas yang solid dengan capital adequacy ratio (CAR) sebesar 23,3 persen dan loan to deposit ratio (LDR) sebesar 86,3 persen.
Total aset konsolidasian mencapai Rp360,2 triliun per 31 Desember 2024, mengukuhkan posisi CIMB Niaga sebagai bank swasta nasional terbesar kedua di Indonesia.
Dana Pihak Ketiga (DPK) tumbuh menjadi Rp260,6 triliun, meningkat 10,5 persen Y-o-Y, didorong oleh pertumbuhan current account and savings account (CASA) sebesar 14,2 persen Y-o-Y menjadi Rp172,1 triliun, dengan rasio CASA mencapai 66,0 persen.
“Pertumbuhan ini merupakan hasil dari penguatan hubungan dengan nasabah dan peningkatan layanan digital yang kami lakukan,” jelas Lani.
Total kredit/pembiayaan naik 6,9 persen Y-o-Y menjadi Rp228,0 triliun. Pertumbuhan ini didorong oleh segmen Usaha Kecil Menengah (UKM) yang naik 9,1 persen Y-o-Y, diikuti Perbankan Korporasi yang tumbuh 8,3 persen Y-o-Y, serta Perbankan Konsumer yang meningkat 5,4 persen Y-o-Y. Peningkatan signifikan terjadi pada Kredit Pemilikan Mobil (KPM) yang melonjak 26,0 persen Y-o-Y.
Di sektor perbankan syariah, Unit Usaha Syariah (UUS) CIMB Niaga tetap menjadi yang terbesar di Indonesia dengan total pembiayaan sebesar Rp60,3 triliun, meningkat 9,1 persen Y-o-Y, dan DPK mencapai Rp54,7 triliun, tumbuh 21,7 persen Y-o-Y per 31 Desember 2024. Pertumbuhan signifikan ini terutama berasal dari segmen ritel, dengan fokus pada peningkatan komposisi pendanaan murah melalui pengembangan jaringan komunitas.
Penghargaan
Pada periode yang berakhir 31 Desember 2024, CIMB Niaga menerima sejumlah penghargaan termasuk:
1. The Best Sustainability-Linked Loan for Manufacturing and The Best Green Loan for Utility – Triple A Awards 2024
2. The Best Issuing Total Sales Volume in Indonesia 2023, The Best Issuing Sales Volume in Southeast Asian Countries 2023 & The Best Growth Number of Cards Circulation in Indonesia 2023 – JCB Indonesia Awards 2024
3. The Excellent Sustainable Communication Company in Financial Sector – Sustainability Communications Awards
4. The Best Public Relations in Providing Comprehensive Product & Service to Enhance Customer Experience – Indonesia Public Relations Awards 2024
5. GCG Innovation for Better Implementation in Business Ethics and Sustainability – Indonesia Excellence GCG Awards 2024
6. Green Financing – Fortune Indonesia Change The World
7. The Best Credit Card KBMI 3, The Best e-Money Bank 2024 KBMI 3, The 2nd Best Deposito KBMI 3, The 2nd Best KPR KBMI 3, The 2nd Best Bank Savings KBMI 3, The 2nd Best Internet Banking KBMI 3 – 13th Infobank-Isentia Digital Brand Recognition 2024
8. The Best Zakat Payment Services Provider Bank 2024 – BAZNAS Awards 2024
9. Best Corporate Transparency & Emission Reduction with predicate ‘Green Elite’ and ‘Platinum Plus’ from Investor Trust and Bumi Global Karbon Foundation
10. Foundation for International Human Rights Reporting Standards (FIHRRST) as one of the Public Companies with the Best 2022 Sustainability Report, with rating A+ from Moores Rowland and FIHRRST
11. TOP Innovation Choice Award 2024 CIMB Niaga Syariah from Infobrand
12. The Best Innovative Mortgage Process from Indonesia Property & Bank – 18th Annual Indonesia Property & Bank Award 2024
13. Indonesia’s Best International Islamic Bank – Euromoney Islamic Finance Award 2024
14. Growth Makers Club 2024 – CDP Mastermind Award from Insider
15. Best SME Bank Indonesia 2024 – World Economic Magazine Awards and Global Business & Finance Magazine Awards
16. The Best – Branch ATM Conventional Bank, The Best – Live Chat Conventional Bank, The 2nd Best – Cash Recycling Machine Bank Conventional Bank, The 3rd Best Overall – E – Banking Conventional Bank, 5 Consecutive Years in Digital Channel Conventional Bank, 5 Consecutive Years in E-Banking Conventional Bank – Indonesia Best Bank in Service Excellence 2024
17. Indonesia Sharia and Halal Top Brand Awards 2024 from Warta Ekonomi
18. The Best Bank Umum KBMI 3 – The Best Bank Award 2024
19. Wellbeing Management – Excellent & Learning & Development (L&D) and Knowledge Management – Excellence – HR Excellence Award 2024
20. Main Index, High Growth, High Dividend and High Capitalization Malam Apresiasi Emiten 2024 Indeks Tempo-IDN Financials 52
21. “Sustainability” as Outstanding Achievement in Sustainability & Governance and The Best Champion in Executing Sustainability & Governance Strategy – The 9th Annual 2024 Strategy-into-Performance Execution Excellence (SPEx2®) DX Award
22. Finance Sector Governance Champion – Katadata ESG Awards 2024
23. Indonesia Domestic Green Financing Bank of the Year, Corporate & Investment Bank of The Year, Syndicated Loan of The Year – Asian Banking & Finance Wholesale Banking Award 2024
24. The Best Indonesia Finance for Sharia Bank – Public Company – Indonesia Finance Awards 2024
25. CIMB Niaga as Indonesia Best Workplace for Women 2024 in Upholding Diversity and Inclusion Work Culture – Indonesia Best Workplace for Women Award 2024:
26. Best Corporate Social and Environmental Responsibility – Indonesia Corporate Social and Environmental Responsibility Awards 2024
27. Excellence in Marketing Transformation, Excellence in Search Marketing and Marketing Leader of the Year – Marketing Excellence Awards 2024 Indonesia
28. Impact on Leadership Consumer Banking – Kumparan Impact Makers Award
29. The Most Pioneering Banking Partner Award for Tabungan XTRA Savers Valas – AMG Media Advertising Awards 2024
30. Long Form Video Campaign Heroes – Marketeers Digital Marketing Heroes 2024
31. 1st Place for Internal Communications (General Theme) – PR Excellence Awards 2024
32. Indonesia Employee Experience of The Year – Asian Experience Award
33. Best Islamic Retail Bank for Digital Banking in Indonesia 2024 – Islamic Retail Banking Awards
34. The Best Indonesia IT & Digital Operational Platinum Award (A) (Excellent) – 6th Indonesia IT & Digital Operational Excellence Award 2024
35. The Most Dynamic Digital Banking Services – Disway Awards 2024
36. The Best Performing Bank 2024 Based on Financial Performance 2022-2024 – Top 20 Financial Institutions Award 2024
37. 11th Properti Indonesia Award 2024 as The Recognized Mortgage Bank with Product Diversification and The Commended Sharia Mortgage Bank
38. Leadership in Corporate Governance – Indonesian Institute for Corporate Directorship
39. Penghargaan Utama Kategori Sustainability with innovation “Perjalanan Menuju Net Zero 2050” – IDX Channel Anugerah Inovasi Indonesia (ICAII) 2024
40. Investment Solution Awards Best Bank for Investment Solutions – Rates & FX, Indonesia – The Asset Triple A Private Capital Awards
41. Indonesia Executive of the Year – Banking – Asian Management Excellence Award 2025
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