Best bank: Baiduri Bank
Baiduri Bank’s performance in 2025 showed balance sheet expansion, improved asset quality and continued investment across its core retail, corporate and institutional franchises.
The bank has strengthened its position within Brunei’s domestic market, with a record net profit growth of BND97.2 million ($75.1 million) in 2025 and a return on equity of 13.87%, above the market average of 9.81%.
This expansion has been supported by disciplined risk management, with asset quality improving over the period alongside strong capitalisation. The bank continues to operate with capital levels well above regulatory requirements. Its ability to grow lending while maintaining credit quality underlines consistency in underwriting and portfolio management.
Execution during the year has been closely linked to organisational transformation. The migration to a cloud-based core banking platform and ongoing automation across credit and operations have enhanced efficiency and scalability, while digital upgrades across retail and corporate channels have improved service delivery.
At the same time, the bank has deepened its role in financing domestic economic activity, including participation in renewable energy infrastructure, alongside the expansion of institutional banking capabilities.
The establishment of a Singapore representative office extends Baiduri Bank’s regional connectivity, strengthening access to cross-border funding, partnerships and transaction flows beyond its domestic base.
