OCBC Records Solid Q3 Performance, Deposits Up 15% and Liquidity Remains Strong
Key Takeaways
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JAKARTA, Investortrust.id — PT Bank OCBC NISP Tbk, or OCBC, reports solid financial results for the third quarter of 2025, with third-party funds (DPK) rising 15% year on year to Rp 230 trillion and strong liquidity ratios maintained across operations.
The bank recorded balanced growth between current and savings accounts (CASA), up 15% YoY, and term deposits, which climbed 16% YoY. Despite a challenging banking environment, gross loans grew 2% YoY to Rp 164.74 trillion while maintaining solid asset quality. The gross non-performing loan (NPL) ratio stood at 2.0%, and the net NPL ratio at 0.8%.
By Sept. 30, 2025, OCBC posted a net profit of Rp 3.82 trillion, broadly stable from a year earlier. Total operating income increased 10% YoY to Rp 9.71 trillion, while total operating expenses declined 1%, signaling improved efficiency and stronger cost discipline.
The bank’s liquidity coverage ratio (LCR) reached 279.9%, well above the regulatory minimum, while its capital adequacy ratio (CAR) strengthened to 25.1% from 23.7% a year earlier. These indicators reflect OCBC’s robust capital position and readiness to support sustainable growth in the future.
Operational efficiency also improved, with the cost-to-income ratio (CTIR) declining to 47.6% from 52.8%, and the operating expense-to-income ratio (BOPO) easing to 69.2% from 69.7%.
“We continue to balance growth and risk management by focusing on strengthening our third-party funding and maintaining sound asset quality,” said President Director OCBC Parwati Surjaudaja in a statement on Saturday, Nov. 1, 2025.
Digital Transformation and Customer Engagement
OCBC accelerated its digital transformation, a key pillar of its long-term growth strategy. Digital transaction volumes rose 55% YoY in Q3, supported by a 13% increase in active users of OCBC Mobile and internet banking services, and a 20% rise in OCBC Business Mobile users among corporate clients.
These results demonstrate OCBC’s success in expanding digital adoption across customer segments while enhancing banking speed and convenience.
In parallel, OCBC launched its 2025 Financial Fitness Index (FFI), which revealed growing awareness but also new challenges for individuals in managing personal assets. Although the national FFI score fell for the first time in four years, the bank remains optimistic that Indonesians can “Win This Economy” by becoming financially fit and resilient.
Notably, complex investment ownership such as mutual funds and stocks doubled from 2% to 4%, particularly among financially literate consumers, indicating healthier financial habits aligned with modern lifestyles.
Expanding Regional Connectivity
To further support Indonesia’s economic growth, OCBC hosted the OCBC One Connect Business Forum 2025 in August, in collaboration with OCBC Singapore. The event aimed to build cross-border synergies—especially with China—and connect investors with local capabilities.
Through this initiative, OCBC reinforced its position as part of the OCBC Group, committed to driving business and economic growth across ASEAN and Greater China while serving as a strategic partner to clients.