BCA Syariah Achieves Significant Profit Growth in First Nine Months of 2025

Financial Highlights

PT Bank BCA Syariah has reported a net profit of Rp154.17 billion for the first nine months of 2025, representing a 15.57% year-on-year (YoY) increase compared to Rp133.40 billion in the same period last year. This positive performance was driven by a significant growth in revenue and financing activities.

Revenue and Profitability

The bank's revenue, measured as income after distribution of depositor returns, grew by 11.40% YoY from Rp552.25 billion to Rp615.19 billion. This growth was primarily supported by a robust 18.41% YoY increase in financing income to Rp953.83 billion, up from Rp805.54 billion in the same period of 2024.

Operating Expenses

Despite experiencing a 9.78% YoY increase in other operating expenses to Rp415.95 billion, BCA Syariah maintained its operational profitability. The rise in expenses was partly due to a 43.68% increase in promotional expenses to Rp19.91 billion and a 13.21% increase in other expenses to Rp182.21 billion.

Operational Performance

The bank's operational profit reached Rp199.24 billion, marking a 14.92% YoY growth from Rp173.37 billion in the same period last year. While the bank recorded a non-operating loss of Rp1.58 billion, this represented a 32.09% YoY decrease from the loss of Rp2.34 billion in the third quarter of 2024.

Intermediation and Asset Quality

BCA Syariah demonstrated strong growth in its intermediation activities. The bank's profit-sharing financing grew by 15.41% YoY to Rp8.86 trillion, while wadiah deposits increased by 7.00% YoY to Rp3.34 trillion. However, the bank's financial ratios showed some mixed signals: the minimum capital adequacy ratio (KPMM) decreased to 28.09% from 31.56%, while gross NPF rose to 1.64% from 1.37% and net NPF increased to 0.21% from 0.09%.

Efficiency and Profitability Indicators

The bank's Net Operating Margin (NOM) slightly decreased to 1.57% from 1.63% in the previous year. The operating expense-to-operating income ratio improved marginally to 80.00% from 80.05%, indicating a stable operational efficiency.