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

Executive summary

• Net profit after tax (NPAT) rose 8.0% year-over-year in 1H25, supported by robust operating performance and higher operating income, with strong growth in both net interest and non-interest income.

• Total assets reached Rp 1,504.1 trillion as of 30 June 2025, up from Rp 1,449.3 trillion at year-end 2024, reflecting continued balance sheet growth.

• Comprehensive income totaled Rp 30.0 trillion, supported by higher unrealized gains on investment securities.

• Sustainable financing portfolio expanded 21.1% YoY, reflecting a strong commitment to ESG and green financing initiatives.

• Net income for the six months ended 30 June 2025 was Rp 29.0 trillion, an 8% increase year-over-year.

Financial highlights

• Operating income increased 7.8% YoY to Rp 56.2 trillion, with net interest income up 7.0% and non-interest income up 10.6%.

• Total operating income (including fees and commissions) reached Rp 56.7 trillion, up from Rp 52.7 trillion in the prior year period.

• Pre-provision operating profit (PPOP) rose 9.1% YoY, while operating expenses increased 5.3%.

• Operating expenses increased to Rp 18.9 trillion, mainly due to higher personnel and general administrative costs.

• Earnings per share (basic and diluted) were Rp 235, up from Rp 218 in the prior year.

Outlook and guidance

• Signs of government spending recovery and ample fiscal savings are expected to support economic activity in 2H25.

• The bank continues to prioritize prudent risk management and capital adequacy, with a focus on digital transformation and customer-centric growth.

• Management expects stable asset quality and continued profitability, supported by diversified funding and robust liquidity.

• Management remains focused on digital transformation, sustainable finance, and expanding market access for MSMEs.