BCA Earns Rp 57.5 Trillion Profit in 2025, Up 4.9%

JAKARTA, Investortrust.id — PT Bank Central Asia Tbk or BBCA reports a consolidated net profit of Rp 57.5 trillion for the 2025 financial year on Tuesday, Jan 27, 2026 in Jakarta, supported by steady loan expansion, resilient funding, and well-controlled asset quality. The profit grows 4.9 percent year on year from Rp 54.84 trillion in 2024, reinforcing BCA’s position as Indonesia’s most profitable private bank.

President Director Gregory Hendra Lembong says the earnings growth aligns with stronger credit distribution across multiple economic sectors. Total loans of BCA and its subsidiaries grow 7.7 percent year on year to Rp 993 trillion as of December 2025, while average loan growth throughout the year reaches 10.8 percent.

“BCA expresses its gratitude to all customers for their trust and support, which continue to motivate us to contribute to economic growth across Indonesia,” Hendra Lembong says during the bank’s 2025 performance presentation. “Strong support from the government and regulators helped us navigate 2025 and deliver positive performance.”

Business loans expand 9.9 percent year on year to Rp 756.5 trillion by December 2025, reflecting BCA’s commitment to supporting national business activity. Consumer loans remain stable at Rp 224.1 trillion, driven by mortgages of Rp 142.3 trillion and vehicle loans of Rp 56.6 trillion.

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Other consumer loans, largely credit cards, rise 9.8 percent year on year to Rp 25.2 trillion. BCA also begins supporting subsidized mortgage financing for private-sector borrowers under the FLPP scheme from October 2025.

Asset quality remains solid, with the loan at risk ratio improving to 4.8 percent from 5.3 percent a year earlier. The non-performing loan ratio stays contained at 1.7 percent, while provisioning remains strong at 183.8 percent for NPLs and 71.6 percent for loans at risk.

On the funding side, current account and savings account balances grow 13.1 percent year on year to Rp 1,045 trillion, supporting stable funding costs. Total third-party funds increase 10.2 percent year on year to Rp 1,249 trillion by December 2025.

BCA’s sustainable financing portfolio grows 11.7 percent year on year to Rp 255 trillion, accounting for 25.8 percent of total loans. Lending to renewable energy doubles to Rp 6.2 trillion, while electric vehicle financing surges 53 percent year on year to Rp 3.6 trillion.

The bank also strengthens its environmental initiatives, reducing operational waste by 657 tons and achieving potential emissions reductions of 5,575 tons of carbon dioxide equivalent through digitalization, green buildings, and conservation programs.

Transaction activity continues to expand, with total transaction frequency rising 17 percent year on year to 42 billion transactions in 2025. Mobile and internet banking transactions grow 19 percent year on year, with peak daily transaction volume nearing 300 million.

Net interest income grows 4.1 percent year on year, while non-interest income rises 16 percent year on year, lifting total operating income by 5.4 percent. Improved cost efficiency further supports earnings growth, with the cost-to-income ratio strengthening during the year.

Bloomberg consensus projects adjusted net profit for BCA at around Rp 57.7 trillion in 2025, up from an estimated Rp 54.8 trillion in 2024. Earnings per share are expected to rise 5.31 percent to Rp 468.6, while net revenue is forecast to increase 7.69 percent to Rp 115.7 trillion.

Net interest margin is projected to remain broadly stable at around 5.87 percent, while return on equity is expected to ease slightly to about 21.09 percent. Asset quality is forecast to remain manageable, with the non-performing loan ratio projected at around 1.92 percent.