Bank Central Asia (BBCA) 3Q25 Earnings: Stable Growth & Bright Future 🌟

Bank Central Asia (BBCA) reported a net profit of IDR 14.4 trillion in 3Q25, up 1% YoY and down 3% QoQ. The 9M25 net profit reached IDR 43.4 trillion, a 6% YoY increase, in line with expectations. The bank's performance was consistent with its monthly performance in July-August 2025, with a cautious approach to credit disbursement and increased provisions. Management maintained its 2025 credit growth guidance of 6-8% YoY, with a 9M25 realization of 8% YoY. The bank also announced a buyback of up to IDR 5 trillion, with a maximum purchase price of IDR 9,200 per share. The management's positive outlook for 4Q25 and 2026, along with attractive valuations and potential performance improvements, make BBCA an attractive investment opportunity in the banking sector.