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PT Bank Central Asia Tbk
PT Bank Central Asia Tbk (BBCA) investor relations material
PT Bank Central Asia Tbk Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Oct, 2025
Executive summary
Consolidated net income for the nine months ended 30 September 2025 reached Rp 43.4 trillion, up from Rp 41.1 trillion year-over-year.
Total assets grew to Rp 1,538.5 trillion as of 30 September 2025, compared to Rp 1,449.3 trillion at year-end 2024.
The Board of Directors confirmed responsibility for the accuracy and completeness of the financial statements.
Financial highlights
Net interest and sharia income rose to Rp 63.9 trillion for the nine months, up from Rp 60.9 trillion year-over-year.
Total operating income (including fees and commissions) reached Rp 85.9 trillion, up from Rp 80.5 trillion year-over-year.
Operating expenses (excluding impairment) were Rp 28.6 trillion, up from Rp 27.3 trillion year-over-year.
Net profit attributable to equity holders was Rp 43.4 trillion, with basic and diluted EPS of Rp 352.
Total equity increased to Rp 276.6 trillion as of 30 September 2025.
Outlook and guidance
The company continues to focus on prudent risk management, digital transformation, and maintaining strong capital and liquidity positions.
Capital adequacy ratio (CAR) remains well above regulatory minimums, supporting future growth.
Status of tax audit appeals for prior years
Rationale for recent share buyback activity
Strategic rationale for recent subsidiary changes
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Next PT Bank Central Asia Tbk earnings date
Q4 202512 Feb, 2026
PT Bank Central Asia Tbk
Next PT Bank Central Asia Tbk earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
PT Bank Central Asia Tbk is an Indonesian bank. Established in 1955, BCA has grown to provide a comprehensive range of commercial and personal banking services across Indonesia. The bank operates a vast network that includes over 1,000 branches and is recognized for its significant market capitalization within the Indonesian financial sector. BCA's product and service offerings encompass savings accounts, electronic banking, credit cards, investment products, consumer credit products, and more, catering to both individual and business clients. Its business banking solutions include trade services, working capital loans, investment loans, and bank guarantees, primarily targeting small and medium-sized enterprises as well as corporate customers.
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