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20251020_BBCA_Laporan Informasi dan Fakta Material_31978564_lamp2.pdf
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PRESS RELEASE
PT Bank Central Asia Tbk
9M 2025 Performance Result
Prudent Business Growth Drives BCA Results
Jakarta, 20 October 2025 - PT Bank Central Asia Tbk (IDX: BBCA) and its subsidiaries recorded an increase in
total loans by 7.6% YoY to Rp944 trillion in September 2025. This growth was underpinned by quality loan
expansion, supported by the company’s solid liquidity position. Total third-party funds rose 7.0% YoY driven by
current and savings account (CASA) as BCA’s main source of funding. Net profit of BCA and its subsidiaries
grew by 5.7% YoY, reaching Rp43.4 trillion in the first nine months of 2025.
“Loan disbursements across various segments and sectors up to September 2025 reflects our commitment to
supporting national economic growth. The extended BCA Expo 2025, scheduled to continue until October 31,
demonstrates our efforts to boost financing while providing added value to the community. The BCA UMKM
Fest 2025 successfully reached over 1,700 MSMEs, reinforcing BCA’s role in advancing business development
across enterprises of all sizes. Meanwhile, the BCA Wealth Summit 2025 attracted more than 4.5 million
hybrid visitors, underscoring our commitment to educating customers and the public on smarter financial
management. Furthermore, through our subsidiary BCA Syariah, we offer iB gold financing for customers who
wish to own gold with price certainty, affordable installments, and in accordance with sharia principles. As of
September 2025, iB gold financing at BCA Syariah has grown by 161.2% YoY,” according to President Director of
PT Bank Central Asia Tbk, Hendra Lembong.
Corporate loans became the highest-growing segment, rising by 10.4% YoY to reach Rp436.9 trillion in
September 2025. Commercial loans grew 5.7% YoY to Rp142.9 trillion, and SME loans expanded by 7.7% YoY to
Rp129.3 trillion. Total consumer loan portfolio increased by 3.3% YoY to Rp223.6 trillion, supported by a 6.4%
YoY growth in mortgages to Rp138.8 trillion. The growth in other consumer loans (majority in credit cards)
grew 6.9% YoY to Rp23.5 trillion. BCA maintained strong loan quality, with the loan at risk (LAR) ratio
improving to 5.5% in the third quarter of 2025 from 6.1% a year earlier. The non-performing loan (NPL) ratio
was manageable at 2.1%. NPL and LAR provisions were adequate, at 166.6% and 69.5% respectively.
Sustainable finance portfolio grew by 12.7% YoY, reaching Rp241 trillion as of September 2025, equivalent to
25.5% of total loans. BCA remains committed to the implementation of ESG (Environmental, Social, and
Governance) principles, including through sustainable waste management at BCA Expo 2025. During the
three-day event, BCA introduced the Bakti BCA Recycling Machine for processing plastic bottles, supported by
Waste Educators and Waste Stations to streamline waste sorting. This initiative is estimated to reduce
potential carbon emissions by approximately 18.1 tons of CO₂.
On the funding side, CASA continued to be BCA’s primary source of funding, accounting for approximately
83.8% of total third-party funds. CASA grew by 9.1% to reach Rp999 trillion, in line with BCA’s total transaction
frequency, which increased by 78% over the past three years.
BCA continues to enhance the myBCA app to provide an optimal banking experience for its customers. Users
can now manage and receive One-Time Passwords (OTP) for online transactions directly within the app. The
myBCA Keyboard feature offers a more convenient way to conduct transactions, while instant access and the
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main menu can now be personalized. Additionally, the Forex Pocket menu now includes the United Arab
Emirates Dirham, increasing the total number of supported foreign currencies to 18.
“BCA remains committed to advancing QRIS Cross Border technology across multiple countries. This feature is
now available for use in Japan through the myBCA app. The rollout of these new features and services reflects
ongoing efforts to expand product and service offerings in response to changing customer needs. We also
announced the main prize winners of the Gebyar Hadiah BCA for the period from April 15 to July 31. This
program is intended to express our appreciation for the trust and loyalty of BCA customers, thereby further
enhancing our relationship with our valued clients,” stated Hendra Lembong.
The Genera-Z Berbakti program by Bakti BCA has officially concluded after receiving over 250 proposals from
98 universities nationwide. Four winning teams from Universitas Indonesia (UI), Universitas Gadjah Mada
(UGM), Universitas Lampung (Unila), and Universitas Sam Ratulangi (Unsrat) submitted impactful community
service reports, showcasing initiatives such as an IoT-based tsunami detection system and a localized rainfall
measurement tool. These projects were implemented over one month at Bakti BCA’s assisted tourism villages
(Desa Wisata Bakti BCA), including Wonokitri, East Java (UI); Dayun, Riau (UGM); Kiluan, Lampung (Unila); and
Derawan, East Kalimantan (Unsrat). Bakti BCA also participated in the Kawan Nusantara exhibitions by local
jewelry brand TULOLA in Jakarta and Bali, featuring collections crafted by silver artisans from Taro Tourism
Village, Bali. This year, the artisans’ revenue nearly doubled compared to the previous year. Bakti BCA also
hosted the Bakti BCA’s MSME and Assisted Village Coordination Meeting, attended by approximately 150
entrepreneurs and local village champions from diverse regions across Indonesia. In education, the Bakti BCA
Scholarship (Beasiswa Bakti BCA), which has benefited over 8,500 recipients to date, continues to support
students’ academic and personal growth. In healthcare, Bakti BCA’s free cataract surgery program has
provided life-changing treatment to nearly 10,000 individuals across 21 provinces, including underdeveloped,
frontier, and outermost regions (3T). Recent surgeries were conducted in East Halmahera, Kapuas, and
Bengkulu. For environmental conservation, Bakti BCA inaugurated a turtle conservation facility and released
hatchlings at Goa Cemara Beach, Yogyakarta. To date, nearly 65,000 hatchlings have been released, and over
1,000 nests have been relocated across three conservation sites.
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About PT Bank Central Asia Tbk (as of 30 September 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 September 2025, BCA served more than 43 million customer
accounts, supported by 1,264 branch offices, 20,008 ATMs, as well as internet & mobile banking services and Halo BCA contact center
that can be accessed 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, remittances, 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 - CCR
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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