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KUALA LUMPUR: With a healthy showing of first-half profits, PT Bank CIMB Niaga Tbk president director Lani Darmawan signaled confidence the bank is on track to meeting earnings expectations in 2022.

"We recorded an outstanding performance in the first half of the year, attributed to strong loans/financing growth, improved fee income, strong cost controls and lower credit provision.

"These results reinforce our confidence towards attaining our targets for 2022," she said in a statement.

For the six months to June 30, 2022, the 92.5%-indirectly-owned Indonesian arm of CIMB Group Holdings Bhd reported a pre-tax profit of IDR3.3 trillion (RM981.57mil), which was 17.8% improved over the same period last year, bringing earnings per share to IDR101.65.

Total loans and financing stood at IDR189.7 trillion, underpinned by 15.5% year-on-year (y-o-y) growth in corporate banking and 13.8% in consumer banking.

Mortgages grew 8.5% y-o-y, while auto loans rose 51.7% y-o-y, including the contributions from the Bank’s subsidiary, PT CIMB Niaga Auto Finance.

In Sharia Banking, CIMB Niaga's Islamic Business Unit maintained its position as the largest Islamic business unit in Indonesia, with total financing valued at IDR42.3 trillion and deposits at IDR36.9 trillion as at June 30, 2022.

Meanwhile, CIMB Niaga’s capital adequacy ratio (CAR) and loan to deposit ratio (LDR) closed at 21.1% and 80.9% respectively as at June 30, 2022.

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Total assets stood at IDR311 trillion, solidifying the bank’s position as Indonesia’s second largest privately owned bank by total assets.

Total deposits reached IDR232 trillion with the current account savings account (Casa) ratio rising to 65.7%.

Casa balances grew 16.9% year-on-year (y-o-y) and 7.7% y-o-y respectively, driven largely by the bank’s continuous commitment to deepening customer relationships and enhancing user experience through its digital touchpoints.

Underlining her optimism for 2022, Lani made special mention of the bank's advancements in key strategic areas, especially in digital banking innovation.

She expects that, over the long term, the bank's digital edge and talent capabilities will enhance the customer experience to drive growth and efficiency.

"We continue to innovate our digital customer experience by integrating various products and services into our Super App OCTO Mobile.

"Recently, we launched a digital credit card named OCTO Card in collaboration with three principals, namely PT JCB International Indonesia, PT Mastercard Indonesia, and PT Visa Worldwide Indonesia," she said.

The OCTO card is an integrated digital credit card that allows customers to shop online at e-commerce or offline merchants through the Scan QRIS feature, without the need to carry a physical card.