Back to announcement
20250423_BBCA_Laporan Informasi dan Fakta Material_31877502_lamp2.pdf
Other Text extracted BBCASource file signed link, expires in 15 minutes
Extracted text 2
Page 1
PRESS RELEASE
PT Bank Central Asia Tbk
First Quarter 2025 Performance Results
Solid Performance Amid Market Dynamics
Jakarta, 23 April 2025 - PT Bank Central Asia Tbk (IDX: BBCA) and its subsidiaries reported total loans of Rp941
trillion as of March 2025, a 12.6% annual increase. Loan growth was driven by financing expansion in various
sectors, accompanied by sustainable funding growth. Current Account Saving Account (CASA) funds rose 8.3%
YoY to Rp979 trillion, accounting for 82% of total third party funds (DPK).
“The Ramadan and Eid al-Fitr momentum this year positively impacted BCA's loan disbursement until March
2025. BCA Expoversary 2025 also supported loan growth. Due to high public enthusiasm, we have extended the
event until April 30, 2025. BCA is committed to supporting the national economy by encouraging prudent
lending across various sectors and segments. We are optimistic about business growth going forward, amidst
market dynamics and challenges,” said President Director of PT Bank Central Asia Tbk, Jahja Setiaatmadja.
BCA's credit growth was primarily driven by corporate loans, which increased by 13.9% YoY to Rp443.4 trillion.
Commercial loans expanded by 9.9% YoY, reaching Rp137.4 trillion. SME loans grew by 12.9% to Rp124.5 trillion.
Consumer loans rose 11.3% YoY, amounting to Rp225.7 trillion, supported by BCA's mortgage loans (KPR) which
increased by 10.5% YoY to Rp135.3 trillion. Motor vehicle loans (KKB) grew by 12.3% YoY to Rp67.1 trillion, and
other outstanding consumer loans, mostly credit cards, saw a 13.9% YoY increase to Rp23.3 trillion.
Loans to sustainable sectors increased by 19% YoY to Rp235 trillion, reflecting BCA's commitment to ESG
(Environmental, Social, and Governance) principles. This accounted for 25% of the total financing portfolio. BCA
offers special interest rate promotions for SME debtors engaged in environmentally sound business activities
and in the education sector.
BCA's third-party funds increased 6.5% YoY to Rp1,193 trillion. CASA funds were the main contributor to BCA's
funding, supported by higher transaction volumes. Overall transaction frequency rose 19% YoY to 9.9 billion.
Mobile and internet banking transactions grew 22.2% YoY to 8.8 billion.
The myBCA application continues to be optimized to enhance convenience and ease of transactions for
customers. Among the new features is BagiBagi, which allows customers to share money up to a total of Rp50
million per day with a maximum of 99 recipients. Android users with NFC capabilities can utilize the QRIS TAP
feature in myBCA by upgrading their app to at least version 2.2.0. Additionally, there is an Investment Goals
feature, facilitating easier planning of various investment goals for customers. Outgoing remittance transfers
with funds sourced from Multicurrency Wallet “Poket Valas” are now available on myBCA. Moreover, for
Indonesian citizens residing abroad, BCA offers an online account opening feature in myBCA using an overseas
mobile number.
“In the first quarter of 2025, BCA officially partnered with BAZNAS and Lazismu under PP Muhammadiyah to
offer convenient zakat, infaq, and sadaqah services via the myBCA application. This partnership is a concrete
demonstration of BCA's commitment to facilitate customers in making zakat, infaq and sadaqah (ZIS) payments
through secure, convenient, and easy digital solutions. We are dedicated to continuously enhancing various
features in myBCA,” stated Jahja Setiaatmadja.
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
Page 2
In terms of revenue, BCA's net interest income (NII) increased by 7.1% YoY to Rp21.1 trillion. Non-interest
income rose 8.1% YoY to Rp6.8 trillion, resulting in a total operating income of Rp27.9 trillion, up 7.4% YoY.
Cost-to-income ratio was well-managed at 28.5%. Loan at risk (LAR) and NPL ratios were at manageable levels
of 6% and 2%, respectively, with ample provisioning ratios at 180.5% for NPL and 66.5% for LAR. BCA and its
subsidiaries’ profits grew 9.8%, reaching Rp14.1 trillion in Q1 2025.
BCA received several prestigious awards in the first quarter of 2025. Brand Finance recognized BCA as the
World's Strongest Banking Brand 2025 for the second consecutive year. The Asian Banker awarded BCA the title
of The Best Retail Bank in Indonesia. Euromoney also acknowledged BCA with Indonesia's Best Private Bank &
Indonesia's Best for Next Gen awards. Additionally, BCA earned the Gallup Global Customer Engagement Award
for the fourth consecutive year.
BCA, through Bakti BCA, has once again provided scholarships and year-long development programs to 700
students from 20 universities. In the cultural sector, BCA supported six tourism villages in winning the ASEAN
Tourism Awards 2025. Bakti BCA also promoted travel packages from these villages at ITB Berlin, one of the
world’s largest travel fairs. Additionally, Bakti BCA has facilitated the issuance of around 2,000 halal certificates
for MSME players. In the health sector, Bakti BCA organized free health checks and cataract surgeries, as well
as blood donation drives in collaboration with the Indonesian Red Cross (PMI). This year, Bakti BCA introduced
the Genera-Z Berbakti program, which engages students nationwide to apply their academic skills directly
within BCA’s tourism villages. Selected groups will receive funding and support from Bakti BCA to implement
their projects over approximately one month.
***
About PT Bank Central Asia Tbk (as of March 31, 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 March 2025, BCA served more than 41 million customer acc ounts and processed more than 110 million
transactions every day, supported by 1,264 branch offices, 19,681 ATMs, as well as internet & mobile banking services and Hal o 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
Alamat : Jl. MH Thamrin No.1, Menara BCA Lt. 22. Jakarta 10310
Telepon : (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
Names mentioned 3 people and organisations named in the text · linked when the evidence is strong
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.