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20260127_BBCA_Laporan Informasi dan Fakta Material_32022498_lamp1.pdf
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PRESS RELEASE
PT Bank Central Asia Tbk
Full-Year 2025 Financial Performance
BCA’s Resilient and Sustained Performance to Supporting National Economy
Jakarta, 27 January 2026 – PT Bank Central Asia Tbk (IDX: BBCA) and its subsidiaries recorded an
increase in total loans by 7.7% year-on-year (YoY) to Rp993 trillion in December 2025. On average,
BCA achieved loan growth of 10.8% throughout 2025. Loan disbursement was diversified across
multiple sectors, including manufacturing, trading, restaurant, hotel, and household. This performance
reflects the company’s commitment to supporting sustainable economic growth in Indonesia. On the
funding side, the current and savings account (CASA) increased by 13.1% YoY to Rp1,045 trillion.
“BCA extends its gratitude to all customers for their trust and continued support which serves as our
motivation to keep moving forward and contributing to the national economy. Strong support from the
government and regulators enabled us to navigate 2025 and deliver positive performance. Last year,
BCA organized various events, including two Expos, BCA UMKM Fest, BCA Wealth Summit, and
Gebyar Hadiah BCA. These various initiatives have yielded a positive impact on BCA’s performance
and reflected our commitment to maintaining a consistent presence and meeting the diverse needs of
our customers and the wider Indonesian community,” expressed President Director of PT Bank Central
Asia Tbk Hendra Lembong.
BCA’s loan portfolio grew by 9.9% YoY reaching Rp756.5 trillion as of December 2025. This growth
was in line with BCA’s commitment to supporting the development of the national business landscape.
Consumer loans remained solid at Rp224.1 trillion, supported by mortgages totaling Rp142.3 trillion
and vehicle loans amounting to Rp56.6 trillion. BCA also began supporting the distribution of subsidized
mortgages (FLPP for private banks) starting in October 2025. The growth in other consumer loans
(predominantly credit cards) reached 9.8% YoY to Rp25.2 trillion. BCA’s loan quality remained solid,
as reflected in the improvement of the loan at risk (LAR) ratio to 4.8%, compared with 5.3% in the
previous year. The non-performing loan (NPL) ratio was maintained at 1.7%, supported by adequate
NPL and LAR provisioning of 183.8% and 71.6%, respectively.
Sustainable finance portfolio grew by 11.7% YoY, reaching Rp255 trillion as of December 2025,
equivalent to 25.8% of total loans. This was supported by a significant increase in financing to the New
and Renewable Energy sector, which doubled YoY to Rp6.2 trillion. In addition, electric vehicle loans
recorded 53% YoY growth reaching Rp3.6 trillion. BCA has introduced the Kartini Multipurpose
Business Credit program, offering special interest rates starting from 3.21% eff. p.a., to support women
entrepreneur communities. As of December 2025, BCA had more than 43,000 female borrowers. BCA
also undertook various initiatives to reduce carbon emissions, including waste management from
operational activities totaling up to 657 tons. These efforts were carried out alongside other
sustainability initiatives such as digitalization, green buildings, and nature conservation, with the
potential to reduce operational emissions by up to 5,575 tCO₂eq (tons of CO₂ equivalent).
As of December 2025, total third-party funds rose 10.2% YoY to Rp1,249 trillion. The total number of
BCA transactions in 2025 increased by 17% YoY, to 42 billion. At its peak, BCA processed nearly 300
million transactions in a single day. Transaction frequency via mobile and internet banking grew by
19% YoY. BCA’s net interest income rose by 4.1% YoY, while non-interest income increased by 16%
YoY. Overall, total operating income grew by 5.4% YoY. The cost-to-income ratio improved, supporting
overall performance and contributing to a 4.9% growth in net profit, amounted to Rp57.5 trillion.
PT BANK CENTRAL ASIA TBK
Kantor Pusat: Menara BCA Grand Indonesia, Jl. MH Thamrin No. 1 Jakarta 10310 Tel. (021) 2358-8000 Fax. (021) 2358-8300
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" We continuously endeavor to deliver optimal products and services in order to meet the diverse needs
of our customers and the community. In 2025, BCA enriched myBCA apps with new features, including
QRIS Tap via NFC Pay for Android users, zakat payments, train and ferry ticket purchases, and
additional foreign currencies in the foreign exchange pocket. myBCA is now accessible on WearOS
and Apple smartwatches. It also supports Mandarin language settings and offers a rupiah pocket to
manage multiple needs within a single account. Additionally, we have integrated Artificial Intelligence
to enhance customer service, better identify customer needs, strengthen security and fraud detection,
and drive operational efficiency," said Hendra Lembong.
During 2025, BCA garnered numerous accolades, including being recognized by the international
media Newsweek as World’s Most Trustworthy Companies 2025 No. 1 in the Banking Sector for the
third year in a row. In addition, Forbes once again named BCA the World’s Best Bank in Indonesia,
marking its second consecutive recognition. BCA was further acknowledged as the World's Strongest
Banking Brand 2025 by Brand Finance. Time Magazine included BCA among the World’s Best
Companies of 2025 in Indonesia. The Asian Banker honored BCA as both the Strongest Bank in
Indonesia 2025 and The Best Retail Bank in Indonesia. BCA also received the Financial Literacy Award
2025 and the KEJAR Award 2025 from the Financial Services Authority (OJK). Most recently, BCA was
named overall champion at the 2024 Annual Report Award for the quality and transparency of its annual
report in compliance with regulations.
Bakti BCA collaborated with the Indonesian National Armed Forces (TNI) to reach disaster-affected
areas in Sumatra, providing humanitarian aid, constructing clean water wells, and developing sanitation
facilities to support post-disaster recovery. In the education sector, BCA has provided scholarships to
8,500 students through 2025. The BCA Berbagi Ilmu program has engaged more than 16,000
participants up to last year. Supporting the government’s efforts to eliminate stunting, BCA contributed
to the National Population and Family Planning Board (BKKBN) program for the third consecutive year,
with a total value of USD 1 million. As of December 2025, 61 MSMEs assisted by Bakti BCA had
agreements and export potential worth Rp261 billion through business matching facilitated by the
company. The Desa Bakti BCA initiative generated market access revenue of Rp5.2 billion by 2025. In
the environmental area, up to 2025, Bakti BCA has restored 11 water sources and planted over 242,000
tree seedlings across Indonesia. Approximately 63,000 baby turtles were released from hatcheries,
and 57 orangutans were rehabilitated. In the cultural front, 125 weavers from NTT, Baduy, and North
Sumatra received training in natural-dye traditional textiles. Bakti BCA also launched the Genera-Z
Berbakti program, allowing university students to live in Bakti BCA assisted villages for one month.
Four student groups from different universities were selected as winners and developed initiatives that
positively impacted the local communities in the first batch of Genera-Z Berbakti.
*****
About PT Bank Central Asia Tbk (as of 31 December 2025)
BCA is one of Indonesia’s leading banks that focuses on transaction banking and provides credit facilities and financial solutions for corporate, commercial, SME,
and consumer segments. At the end of December 2025, BCA served more than 43 million customer accounts and processed over 115 million transactions daily,
supported by 1,270 branch offices, 20,163 ATMs, as well as internet & mobile banking services and Halo BCA contact center accessible 24 hours. BCA’s presence
is supported by a number of subsidiaries that focus on vehicle financing, sharia banking, securities, general and life insurance, digital banking, and venture capital.
BCA is committed to building long-term relationships with customers, prioritizing mutual interests, and creating a positive impact on society at large. With more
than 27,000 employees, BCA’s vision is to be the bank of choice for the people and an important pillar of the Indonesian economy.
PT BANK CENTRAL ASIA Tbk
Group Corporate Communication and Social Responsibility
Corporate Communication
Address : Jl. MH Thamrin No.1, Menara BCA Lt. 22. Jakarta 10310
Telephone : (021) 2358-8000
Fax : (021) 2358-8339
E-mail : corcom_bca@bca.co.id
PT BANK CENTRAL ASIA TBK
Kantor Pusat: Menara BCA Grand Indonesia, Jl. MH Thamrin No. 1 Jakarta 10310 Tel. (021) 2358-8000 Fax. (021) 2358-8300
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