PT Bank Central Asia Tbk (BBCA) Q3 2025 earnings summary

Executive summary

• Achieved strong financial performance in 9M25 with consolidated net income of Rp 43.4 trillion and robust growth in loans, CASA, and profitability.

• Total assets grew to Rp 1,539 trillion as of 30 September 2025.

• Digital transformation and AI adoption enhanced operational efficiency and customer experience.

• Continued leadership in sustainable finance, ESG, and corporate governance, earning multiple awards.

• The Board of Directors confirmed responsibility for the accuracy and completeness of the financial statements.

Financial highlights

• Net profit increased 5.7% YoY to Rp 43.4 trillion; PPOP up 7.9% YoY to Rp 57.3 trillion.

• Total assets grew 7.3% YoY to Rp 1,539 trillion; loans up 7.6% YoY to Rp 944 trillion; CASA rose 9.1% YoY.

• Net interest and sharia income rose to Rp 63.9 trillion; total operating income reached Rp 85.9 trillion.

• Operating income rose 6.9% YoY; non-interest income up 12.4% YoY.

• Operating expenses (excluding impairment) were Rp 28.6 trillion, up from Rp 27.3 trillion YoY.

Outlook and guidance

• Positive economic momentum with government spending, investment, and consumer spending rebounding.

• The company continues to focus on prudent risk management, digital transformation, and maintaining strong capital and liquidity positions.

• Bank expects continued growth in digital transactions and sustainable finance.

• Capital adequacy ratio (CAR) remains well above regulatory minimums, supporting future growth.