BCA Reports Strong Financial Performance through November 2025

Significant Profit Growth

PT Bank Central Asia Tbk (BBCA), Indonesia's largest private bank, has reported a net profit of Rp52.66 trillion for the eleven months ending November 2025. This represents a 4.35% year-on-year increase compared to Rp50.47 trillion recorded during the same period in 2024. The growth in profitability was primarily driven by a 4.10% YoY increase in net interest income (NII) to Rp73.03 trillion.

Revenue and Expense Analysis

The bank's NII growth was supported by a 4.32% YoY rise in interest income to Rp84.30 trillion, while interest expenses increased by 5.74% to Rp11.27 trillion. Other operating expenses showed a moderate increase of 2.31% YoY to Rp7.95 trillion, with notable growth in impairment charges which surged by 92.02% to Rp3.31 trillion. Despite this, the bank maintained overall profitability through operational efficiency.

Credit and Funding Performance

From a business perspective, BCA demonstrated strong growth in both lending and funding. Total credit disbursed reached Rp921.19 trillion, representing a 5.19% YoY increase from Rp875.78 trillion in November 2024. On the funding side, third-party funds grew by 8.14% YoY to Rp1,199.74 trillion, with low-cost deposits (CASA) showing particularly strong growth of 10.74% to Rp1,013.13 trillion. In contrast, time deposits declined by 4.11% to Rp186.61 trillion.

Industry Perspective

Trioksa Siahaan, Senior Vice President at the Indonesian Banking Development Institute (LPPI), attributed BCA's positive performance to effective management of operational efficiency, particularly in maintaining a favorable Cost-to-Income ratio. The bank's ability to grow low-cost funding was also seen as a key factor supporting its net interest margin and overall profitability.