QNB Indonesia Sustains Strong H1/2026 Momentum with Higher Profit and Improved Asset Quality
18 August 2026 – PT Bank QNB Indonesia Tbk (“Bank”), a subsidiary of QNB Group, a leading financial institution in the Middle East and Africa, is pleased to announce its Financial Results for the six months ended 30 June 2026 (“H1/2026”). During the period, the Bank continued its positive momentum delivering stronger profitability, balance sheet growth and improved asset quality, while maintaining robust liquidity.
“Our H1 2026 performance demonstrates how disciplined growth can deliver sustainable results,” said Nick Groene, President Director of PT Bank QNB Indonesia Tbk. “Despite persistent global and domestic uncertainties, we remain focused on building a stronger, healthier business through prudent risk management, sustainable lending and long-term customer relationships.”
He added, “QNB Indonesia is uniquely positioned to connect Indonesian businesses with regional and international markets and vice versa. By combining the strength of QNB Group’s international network, continued investment in technology and the capabilities of our people, we are creating greater value for our customers.”
Net profit increased 178% to IDR29.6 billion as at 30 June 2026, supported by healthy commercial momentum, better pricing discipline, and continued focus on portfolio quality.
The Bank maintained its focus on balanced growth and prudent risk management, resulting in solid business performance and a healthy risk profile, despite operating during a period characterised by global volatility across financial markets and tighter monetary policy,
The Bank’s total assets increased 9% to IDR14.4 trillion as at 30 June 2026, from IDR13.2 trillion at the end of 2025. Meanwhile, total gross loans grew 2% to IDR10.0 trillion, from IDR9.8 trillion from end of 2025, reflecting continued support for Indonesia’s corporate sector despite a more cautious business environment.
Growth continued to be accompanied by improving portfolio quality. The gross non-performing loan (NPL) ratio improved significantly to 1.84% in H1/2026 from 3.31% in H1/2025, reflecting the Bank’s prudent credit selection and effective credit risk management.
On the funding side, third-party funds increased by 4% to IDR8.5 trillion, from IDR8.1 trillion at year-end 2025, growing at a faster pace than loans and further reinforcing the Bank’s liquidity position.
QNB Indonesia also maintained a strong financial foundation throughout the period. The capital adequacy ratio (CAR) remained robust at 53.85%, providing ample capacity to support future business growth. Liquidity ratios also remained well above the applicable regulatory requirements, with liquidity coverage ratio (LCR) at 144.33% and the net stable funding ratio (NSFR) at 129.83%.
Looking ahead to the second half of 2026, the Bank will continue to focus on expanding its corporate and institutional banking franchise by deepening relationships with large corporates, multinational corporations and state-owned enterprises, while maintaining prudent cost and risk management.
As part of this strategy, QNB Indonesia will further optimise its collaboration with QNB Group, including its branches and subsidiaries across the international network, to unlock more cross-border synergies and business opportunities.
Alongside business growth, the Bank will accelerate technology enhancements to transform its operations, improve customer experience, and increase operational efficiency. The Bank will also continue investing in its people to build future-ready capabilities that support sustainable growth.
