Strengthening Foundation for Disciplined Expansion, QNB Indonesia Records Strong Loan Growth in 2025
1 April 2026 – PT Bank QNB Indonesia Tbk (“Bank”) announced its financial result for the year ended in 31 December 2025. The Bank delivered resilient performance in 2025, recording solid loan growth and improved asset quality while maintaining a strong capital and liquidity position amid global and domestic economic uncertainties.
“Our performance in 2025 demonstrates the resilience of our business model and the progress we have made in strengthening the Bank’s fundamentals,” said Nick Groene, President Director of PT Bank QNB Indonesia Tbk. “Despite ongoing global and domestic economic uncertainties, we continue to deliver disciplined growth while maintaining strong asset quality and liquidity.”
As of 31 December 2025, the Bank recorded net loans growth of 18% year-on-year (YoY) – significantly outpacing the Indonesia banking industry’s loan growth of around 9.6%. This reflects strong momentum in the Bank’s corporate and institutional segments. The Bank’s lending growth was primarily driven by key sectors including information and communication, manufacturing, as well as financial and insurance services, which demonstrates the Bank’s continued support for Indonesia’s strategic industries.
In line with the Bank’s commitment to sustainable finance, QNB Indonesia also successfully disbursed its first ESG-linked loan, marking an important milestone in supporting responsible and sustainable business practice in the country.
QNB Indonesia continued to fulfill its intermediary role effectively, achieving not only impressive growth in loan disbursements, but also the third-party funds by successfully recording a growth of 11% compared to the previous year.
All of these contributed to an increase in the Bank’s total assets of IDR13.2 trillion, which grew 3% year-on-year from IDR12.9 trillion in the previous year.
The Bank’s asset quality also improved during the year, with the gross Non-Performing Loan (NPL) ratio declining to 2.2% from 2.7% the previous year. This achievement was accompanied by a decline in provisions, reflecting the Bank’s effective asset quality management and prudent risk approach.
During this period, QNB Indonesia also maintained strong capital and liquidity buffers with Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) reached 119.95% and 140.40%, respectively, both well above the regulatory minimum requirement of 100%.
The Bank’s profit before tax stood at IDR50.8 billion, reflecting the Bank’s strategic transition year as it strengthened core fundamentals and optimised its business portfolio.
Looking ahead to 2026, the Bank will focus on expanding its corporate and institutional banking franchise, while continuing to strengthen its digital and operational capabilities. The Bank’s strategic priorities include enhancing digital infrastructure, leveraging its regional network, and deepening relationships with Tier-1 corporates and conglomerate clients.
“As a subsidiary of QNB Group, the largest financial institution in Middle East and Africa, the Bank is well positioned to connect Indonesian businesses with international market and vice versa. In 2026, we are looking to support more cross-border trade and investment opportunities,” said Nick. “With stronger fundamentals and a clear strategic direction, we are confident in our ability to capture growth opportunities while maintaining prudent risk management.”
Beyond banking, the Bank is also committed to sustainable growth by enhancing its human resources capabilities. For its efforts, the Bank successfully earned prestigious recognition from leading international institutions. The Bank was named “The Best Companies to Work for in Asia 2025”, “Most Caring Companies 2025”, and “Diversity, Equity, and Inclusion Company 2025” by HR Asia for its efforts in fostering a positive and supportive workplace culture and “Runner-Up for Risk Champion (Category 1)” at the ASEAN Risk Awards.
