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

Executive summary

• 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.

Financial highlights

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

• Operating profit grew to Rp 71.6 trillion in 2025, up from Rp 68.4 trillion year-over-year.

• Earnings per share rose to Rp 467 in 2025 from Rp 445 in 2024.

• Total equity increased to Rp 281.5 trillion from Rp 262.6 trillion year-over-year.

• Cash and cash equivalents at year-end were Rp 87.5 trillion, up from Rp 85.5 trillion.

Outlook and guidance

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

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