Bank Central Asia’s net profit up 9.8% to IDR14.1t

Double digit loan growth and net interest margin expansion helped push profits up.

Bank Central Asia (BCA) reported a net profit that is 9.8% year-on-year (YoY) higher for Q1.

Net profit is $839.97m (IDR14.1t for the first three months of 2025. This is also a 2.8% quarter-on-quarter (QoQ) increase compared to Q4 2024.

This was driven by a 12.6% YoY loan growth, a 20-basis point (bp) net interest margin (NIM) expansion, an 8.1% YoY increase in non-interest income (NII), and well-managed operating expenses, according to UOB Kay Hian.

NIM notably expanded to 5.8% in Q1 2025 thanks to higher current account and savings account (CASA) ratio, and an improvement in the bank’s loan-to-deposit ratio.

However, retail loans’ nonperforming loan (NPL) ratio rose year-on-year, with a 10bp rise to 2% as of March 2025.

Credit cost was also 10bp higher year-on-year, and 60bp higher compared to Q4 2024.

(US$1 = IDR16,786.24; as of 29 April 2025, 12:08 PM)

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