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.
" 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.
Picture Information 1 & 2:
Supporting the National Economy, BCA’s Total Loans Grow 7.7% YoY to Rp993 Trillion - BCA President Commissioner Jahja Setiaatmadja (fifth from right - photo 1), BCA President Director Hendra Lembong (fifth from left - photo 1), BCA Vice President Director John Kosasih (fourth from left - photo 1), BCA Director Subur Tan (second from right - photo 1), BCA Director Rudy Susanto (third from left - photo 1), BCA Director Lianawaty Suwono (third from right - photo 1), BCA Director Vera Eve Lim (center - photo 1), BCA Director Haryanto T. Budiman (far from right - photo 1), BCA Director Frengky Chandra Kusuma (second from left - photo 1), BCA Director Hendra Tanumihardja (far from left - photo 1) during the BCA 2025 Financial Performance, Tuesday (27/1). BCA and its subsidiaries recorded total loan growth of 7.7% year-on-year (YoY), reaching Rp993 trillion as of December 2025. On average, BCA’s loan growth stood at 10.8% throughout 2025. BCA’s loan disbursement was well diversified across various sectors, including manufacturing, trade, restaurants, hotels, and households.
Picture Information 3:
BCA’s Continued Presence in Communities Across Indonesia, Delivering Humanitarian Assistance with Tangible Impact - BCA Corporate Secretary I Ketut Alam Wangsawijaya (left), BCA EVP Corporate Communication & Social Responsibility Hera F. Haryn (center), and BCA Investor Relation SVPRudy Budiardjo (right) during the BCA 2025 Financial Performance, Tuesday (27/1). Bakti BCA collaborated with the Indonesian National Armed Forces (TNI), was present in disaster-affected areas across Sumatra, delivering humanitarian aid and building clean water wells as well as sanitation facilities to support post-disaster recovery. In the education sector, BCA has provided scholarships to 8,500 students as of 2025, while the BCA Berbagi Ilmu program has reached more than 16,000 participants to date. Supporting the government’s efforts to eliminate stunting, BCA has contributed to the BKKBN program for the third consecutive year, with a total commitment of USD 1 million. As of December 2025, 61 MSMEs under the Bakti BCA program secured agreements and potential export opportunities worth Rp261 billion through business matching initiatives facilitated by the Company. Income generated by Bakti BCA assited villages (Desa Bakti BCA) from expanded market access reached Rp5.2 billion by 2025. In the environmental sector, by 2025 Bakti BCA restored 11 natural springs and planted more than 242,000 tree seedlings across Indonesia. Approximately 63,000 sea turtle hatchlings were released, and 57 orangutans rehabilitated. In the cultural sector, 125 weavers from East Nusa Tenggara (NTT), Baduy, and North Sumatra received capacity-building support for naturally dyed textile craftsmanship.
*****
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
