BCA Maintains Strong Profitability Through November 2025

Robust Financial Performance

PT Bank Central Asia Tbk (BCA) has demonstrated resilient financial performance, reporting a Rp 52.7 trillion profit for the period ending November 2025. This represents a 4% increase compared to the same period last year, showcasing the bank's ability to maintain growth momentum despite challenging market conditions.

Key Drivers of Performance

The bank's positive performance was primarily driven by a 4% year-on-year growth in net interest income to Rp 73 trillion. This growth in core banking revenue was achieved while maintaining a stable Net Interest Margin (NIM) of 5.7%, which remains within the bank's target range for 2025.

Sector Context

BCA's strong performance is particularly noteworthy given that several other major banks in Indonesia reported profit declines during the same period. This contrast highlights BCA's effective management strategies and its ability to navigate current market challenges.

Strategic Implications

The stable NIM at 5.7% indicates effective balance sheet management and pricing strategy. The bank's ability to grow net interest income while maintaining margin stability positions it favorably for future growth opportunities. As the banking sector continues to evolve, BCA's strong performance through November 2025 sets a positive foundation for its full-year results.