Jakarta. Indonesia’s largest private lender, Bank Central Asia (BCA), reported strong performance in the first half of 2025, with consolidated loan growth reaching 12.9 percent year-on-year to Rp 959 trillion ($58.21 billion).

Net profit rose 8 percent year-on-year to Rp 29 trillion, supported by solid credit disbursement, stable liquidity, and increasing transaction volumes, the company said in a virtual investor briefing on Wednesday.

“Our credit growth was well-distributed across segments, including corporations, SMEs, and consumers,” said BCA President Director Hendra Lembong. “Initiatives like the BCA Expoversary 2025 also helped boost lending in the first half.”

Corporate lending led the way with 16.1 percent annual growth to Rp 451.8 trillion. Commercial loans rose 12.6 percent to Rp 143.6 trillion, while SME loans climbed 11.1 percent to Rp 127 trillion.

Consumer lending increased 7.6 percent to Rp 226.4 trillion, supported by mortgage growth of 8.4 percent (Rp 137.6 trillion) and vehicle loans rising 5.2 percent (Rp 65.4 trillion). Outstanding credit card and other consumer loans also advanced 9.4 percent to Rp 23.4 trillion.

Asset quality remained healthy, with the loan-at-risk (LAR) ratio improving to 5.7 percent from 6.4 percent a year earlier, and non-performing loans (NPL) steady at 2.2 percent. BCA maintained prudent provisioning with NPL and LAR coverage at 167.2 percent and 68.7 percent, respectively.

Third-party funds grew 5.7 percent to Rp 1,190 trillion, supported by a robust current and savings account (CASA) base, which comprised 82.5 percent of total deposits. CASA balances rose 7.3 percent to Rp 982 trillion.

BCA processed 17 percent more transactions in the first half of 2025 compared to the same period last year—up 3.5 times over the past five years. Mobile and internet banking activity surged 19 percent year-on-year, reflecting the bank’s digital focus.

Net interest income (NII) rose 7 percent to Rp 42.5 trillion, while non-interest income jumped 10.6 percent to Rp 13.7 trillion. Total operating income increased 7.8 percent to Rp 56.2 trillion. The cost-to-income ratio improved to 29.1 percent from 30.5 percent a year ago.

Looking ahead, BCA remains confident in achieving its 2025 guidance, maintaining its credit growth target of 6 to 8 percent.

“We see strong opportunities to continue engaging with customers,” Hendra said. “Our focus remains on strengthening our products and services to provide better value to the public.”

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