PT Bank Central Asia Tbk (BBCA) Q1 2025 earnings summary

Executive summary

• Net income for Q1 2025 reached Rp 14.15 trillion, up 9.8% year-over-year from Q1 2024, with total comprehensive income at Rp 14.51 trillion.

• Total assets grew to Rp 1,533.8 trillion as of March 31, 2025, from Rp 1,449.3 trillion at year-end 2024.

• Loans receivable (net) increased to Rp 886.6 trillion, and deposits from customers rose to Rp 1,180.0 trillion.

• The bank maintained a strong capital position with a consolidated CAR of 27.35% as of March 2025.

Financial highlights

• Net interest and sharia income for Q1 2025 was Rp 21.12 trillion, up 6.8% year-over-year.

• Fee and commission income (net) reached Rp 4.66 trillion, and net income from transactions at fair value through profit or loss was Rp 912 billion.

• Operating expenses (excluding impairment) were Rp 9.64 trillion, with personnel expenses at Rp 4.88 trillion.

• Cost of credit (impairment losses) was Rp 1.03 trillion, up from Rp 886 billion in Q1 2024.

• Basic and diluted EPS for Q1 2025 was Rp 115 per share.

Outlook and guidance

• The bank continues to focus on prudent credit risk management post-COVID-19 restructuring, with ongoing monitoring of restructured loans.

• Management expects to maintain strong capital and liquidity positions, supporting business expansion and compliance with regulatory requirements.