BCA Sees Significant Growth in Digital Transactions

Surge in Flazz Transactions

PT Bank Central Asia Tbk (BCA) has recorded a remarkable increase in transactions through its Flazz e-money service. By November 2025, Flazz transactions reached 964 million, representing an 11% year-on-year growth ¹

. The value of these transactions also grew by 12% year-on-year. As of now, more than 29 million Flazz cards are in circulation, demonstrating the strong adoption of non-cash payment instruments among consumers.

Factors Driving Transaction Growth

The period leading up to the year-end holidays, including Christmas and New Year (Nataru), historically contributes significantly to the increase in Flazz transactions. The e-money service is widely used for various daily needs, including toll payments, public transportation tickets, and purchases at minimarkets and retail merchants. Executive Vice President of Corporate Communication and Social Responsibility at BCA, Hera Haryn, noted that the high mobility during the holiday season is a key driver of this growth ¹

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Impact on Financial Performance

The increase in transaction activity has positively impacted BCA's financial performance, particularly in non-interest income. By Q3 2025, the bank's non-interest income rose by 12.4% year-on-year to Rp21.3 trillion, with fee and commission income growing by 9.5% year-on-year to Rp15.1 trillion ¹

. Hera attributed this growth to the overall increase in transaction volume.

Digital Banking Growth

BCA's digital banking services have shown robust growth, with mobile and internet banking transaction volumes increasing by 19% year-on-year through September 2025 ²

. The value of transactions through these digital channels also rose by 14% year-on-year. This growth reflects the strengthening of BCA's digital transaction ecosystem and its payment infrastructure.

Financial Highlights

BCA's bank-only profit reached Rp52.7 trillion by November 2025, a 4% increase compared to the same period last year. Net interest income stood at Rp73 trillion, up 4% year-on-year, while non-interest income was Rp24.3 trillion, compared to Rp21.7 trillion in the same period last year. The bank's credit disbursement reached Rp921 trillion, a 5% increase.

Outlook for Year-End Holiday Period

BCA expects continued growth in digital transactions during the 2025/2026 year-end holiday period. The bank's experience in previous years suggests that the holiday season will drive higher transaction volumes due to increased consumer mobility and financial activity.