{"id":15718,"date":"2025-05-20T13:53:08","date_gmt":"2025-05-20T05:53:08","guid":{"rendered":"https:\/\/saham.search.web.id\/bank-central-asia-bbca-laba-bersih-meroket-di-april-2025\/"},"modified":"2025-06-10T06:57:13","modified_gmt":"2025-06-10T06:57:13","slug":"bank-central-asia-bbca-laba-bersih-meroket-di-april-2025","status":"publish","type":"post","link":"https:\/\/search.web.id\/digest\/bank-central-asia-bbca-laba-bersih-meroket-di-april-2025\/","title":{"rendered":"Bank Central Asia (BBCA): Net Profit Skyrockets in April 2025!"},"content":{"rendered":"

Hello, loyal readers! This time we will discuss the brilliant achievements of one of the largest banks in Indonesia, Bank Central Asia<\/strong> ($BBCA<\/u>). In April 2025, the bank recorded an astonishing net profit<\/strong> of 4.5 trillion rupiah<\/strong>, despite a decline of -8.2% YoY<\/strong> and -33% MoM<\/strong>. However, make no mistake! Bank-only<\/em> net profit during 4M25 actually grew 17% YoY<\/strong> to 20.2 trillion rupiah<\/strong>. How come? Let’s peel it off!<\/p>\n

Dividend Subsidiaries Become Key Supporters<\/h2>\n

If we look deeper, this increase in net profit<\/strong> is largely thanks to dividend contributions from subsidiaries. It is recorded that there is a considerable dividend receipt, reaching 2.2 trillion rupiah<\/strong> in March 2025. This means that Non-Interest Income<\/em> (Non-II) increased by 26% YoY<\/strong> during 4M25! Although the dividend from the subsidiary looks profitable, it should be noted that this figure does not appear in BBCA’s consolidated financial statements.<\/p>\n

Tempting CASA Ratio<\/h2>\n

Another thing that makes BBCA shine is the high CASA Ratio<\/strong> which reaches 82.9%.<\/strong> This is inversely proportional to the growth of Time Deposits<\/em> which showed a decrease of -2.7% YoY<\/strong>. The Net Interest Margin (NIM)<\/strong> level also showed an increase to 5.7%,<\/strong> in line with the management’s target for 2025 in the range of 5.7%-5.8%.<\/strong><\/p>\n

News Behind the Positive Trend<\/h2>\n

According to BBCA management in its 1Q25 earnings call<\/em>, there is the potential for loan repricing<\/em> due to the slowdown in credit growth. Total loan growth was recorded at moderate 12.8% YoY<\/strong>, towards management’s target for 2025. One thing to note, the Loan-to-Deposit Ratio (LDR)<\/strong> also showed an increase to the level of 80%,<\/strong> so it is still in the safe category compared to other major banks.<\/p>\n

Load of Provisions Falls<\/h2>\n

Another good news is that BBCA’s provision expense<\/strong> is decreasing, and the Cost of Credit (CoC)<\/strong> remains higher than the set target. This shows that BBCA is trying hard to maintain the health of its financing, despite the liquidity situation in the financial markets becoming tighter.<\/p>\n

Conclusion: Mixed Performance and Expectations Ahead<\/h2>\n

We assess BBCA’s performance during 4M25 as a mixed performance<\/strong>. Although there is a decline in profit compared to last year, there are many positives to be taken away, such as a maintained NIM<\/strong> and an impressive CASA Ratio. This shows that BBCA still has the power to adapt in a challenging market situation. What do you think about BBCA? Have you considered investing in this stock? Let’s discuss it in the comment section!<\/p>\n

<\/strong>BBCA<\/a> <\/div>\n","protected":false},"excerpt":{"rendered":"

Hello, loyal readers! This time we will discuss the brilliant achievements of one of the largest banks in Indonesia, Bank Central Asia ($BBCA). In April 2025, the bank recorded an astonishing net profit of 4.5 trillion rupiah, despite a decline of -8.2% YoY and -33% MoM. However, make no mistake! Bank-only net profit during 4M25 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[986],"tags":[88],"class_list":["post-15718","post","type-post","status-publish","format-standard","hentry","category-stock","tag-bbca"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/posts\/15718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/comments?post=15718"}],"version-history":[{"count":1,"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/posts\/15718\/revisions"}],"predecessor-version":[{"id":16279,"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/posts\/15718\/revisions\/16279"}],"wp:attachment":[{"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/media?parent=15718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/categories?post=15718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/search.web.id\/digest\/wp-json\/wp\/v2\/tags?post=15718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}