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

Executive summary

• Consolidated net income for the nine months ended 30 September 2025 reached Rp 43.4 trillion, up from Rp 41.1 trillion year-over-year.

• Total assets grew to Rp 1,538.5 trillion as of 30 September 2025, compared to Rp 1,449.3 trillion at year-end 2024.

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

Financial highlights

• Net interest and sharia income rose to Rp 63.9 trillion for the nine months, up from Rp 60.9 trillion year-over-year.

• Total operating income (including fees and commissions) reached Rp 85.9 trillion, up from Rp 80.5 trillion year-over-year.

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

• Net profit attributable to equity holders was Rp 43.4 trillion, with basic and diluted EPS of Rp 352.

• Total equity increased to Rp 276.6 trillion as of 30 September 2025.

Outlook and guidance

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

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