BCA Books Net Profit Of IDR 43.4 Trillion

JAKARTA - PT Bank Central Asia Tbk (BBCA) posted a net profit of IDR 43.4 trillion during the first nine months of 2025 or grew 5.7 percent yoy.

"BCA's net interest and subsidiaries grew 5.7 percent yoy to IDR 43.4 trillion in the first 9 months of 2025," said President Director of PT Bank Central Asia Tbk, Hendra Lembong, Monday, October 20.

BCA also recorded total credit growth of 7.6 percent on an annual basis (yoy) to IDR 944 trillion as of September 2025. This growth was supported by quality credit expansion, and maintained company liquidity. The total third party funds (DPK) rose 7.0 percent yoy supported by CASA as BCA's core funding.

Hendra explained that corporate lending was the highest compared to other segments, growing 10.4 percent yoy to reach IDR 436.9 trillion as of September 2025.

Meanwhile, commercial credit rose 5.7 percent yoy to IDR 142.9 trillion, and SME loans grew 7.7 percent yoy to IDR 129.3 trillion. Consumer credit growth touched 3.3 percent yoy to IDR 223.6 trillion, driven by an increase in mortgages of 6.4 percent yoy to IDR 138.8 trillion.

Other consumer loan outstandings grew 6.9 percent yoy to Rp23.5 trillion. BCA's loan quality is maintained, as seen from the loan at risk (LAR) ratio of 5.5 percent in the third quarter of 2025, improving from 6.1 percent a year earlier.

"The non-performing loan (NPL) ratio is controlled at the level of 2.1 percent and the reserves of NPL and LAR are recorded to be adequate, 166.6 percent and 69.5 percent, respectively," explained Hendra.