PT Bank Central Asia Tbk (BBCA) Q4 2025 earnings summary

Executive summary

• FY25 saw robust growth in assets, loans, and CASA, with digital transformation and ESG initiatives driving operational efficiency and sustainability.

• Consolidated total assets reached Rp 1,586.8 trillion as of December 31, 2025, up from Rp 1,449.3 trillion year-over-year.

• Net profit attributable to owners rose to Rp 57.1 trillion in 2025 from Rp 54.7 trillion in 2024.

• The financial statements received an unmodified audit opinion from PwC member firm KAP Rintis, Jumadi, Rianto & Rekan.

• Digital transactions accounted for ~99% of total volume, with customer base expanding 23% in three years.

Financial highlights

• Total assets grew 9.5% YoY to Rp1,587 tn; loans rose 7.7% YoY to Rp993 tn.

• Net profit reached Rp57.5 tn, up 4.9% YoY; net profit attributable to owners was Rp57.1 tn.

• Net interest income increased to Rp 85.8 trillion in 2025 from Rp 82.5 trillion in 2024.

• CASA increased 13.1% YoY, reaching Rp1,045 tn; third-party funds up 10.2% YoY.

• Non-interest income rose 16% YoY, driven by fees, commissions, and trading income.

Outlook and guidance

• Continued focus on digital innovation, sustainable finance, and operational efficiency.

• The bank maintains a strong capital position with a CAR of 30.36%, well above regulatory requirements.

• Emphasis on prudent lending, especially in auto loans amid industry transition.

• Sustainable finance portfolio expected to maintain double-digit growth.

• Management continues to focus on prudent risk management and capital conservation.