PT Bank Central Asia Tbk (BBCA) Q2 2025 earnings summary

Executive summary

• Consolidated net income for the six months ended 30 June 2025 reached Rp 29.0 trillion, up from Rp 26.9 trillion year-over-year.

• Total assets grew to Rp 1,504.1 trillion as of 30 June 2025, compared to Rp 1,449.3 trillion at year-end 2024.

• The group maintained strong capital adequacy and liquidity positions, with robust risk management practices.

Financial highlights

• Net interest and sharia income rose to Rp 42.6 trillion, up from Rp 39.9 trillion year-over-year.

• Total operating income (including fees and commissions) increased to Rp 56.7 trillion from Rp 52.7 trillion year-over-year.

• Operating expenses (excluding impairment) were Rp 18.9 trillion, up from Rp 18.0 trillion year-over-year.

• Earnings per share (EPS) for the period was Rp 235, compared to Rp 218 in the prior year.

• Total equity attributable to owners stood at Rp 261.6 trillion as of 30 June 2025.

Outlook and guidance

• The group continues to focus on prudent growth, digital transformation, and maintaining asset quality.

• Management expects stable capital and liquidity positions, with ongoing investments in technology and risk management.