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BCA Syariah Achieved Positive Performance in the First Half of 2025, Net Profit Grows 12% YoY
Jakarta, August 6, 2025 – PT Bank BCA Syariah (BCA Syariah) presented its solid financial performance for the first half of 2025 during a media update themed Sustainable Growth and Resilient Performance held at the BCA Syariah Head Office, Jakarta, on Wednesday (6/8).
BCA Syariah asset increased by 18,2% year-on-year (YoY) amount at IDR 17.6 trillion. The bank’s positive performance was also reflected in a 12.0% YoY growth in net profit to IDR 100 billion, supported by income from financing, an increase in low-cost funds, and operational efficiency.
President Director of BCA Syariah, Yuli Melati Suryaningrum said, "Alhamdulillah, our performance in the first half of 2025 shows solid and sustainable growth driven by quality financing disbursement and growth in Third-Party Funds (TPF). Amid the dynamics of the national economy and the business sector, BCA Syariah remains committed to provide Sharia-compliant financial services that are relevant to customers’ needs, easily accessible, and in line with Sharia principles."
Financing disbursement rose 18.2% YoY to IDR 11.3 trillion. Commercial financing dominated with a 76.7% share, reaching IDR 8.6 trillion, up 13.2% YoY. Gross Non-Performing Financing (NPF) remained healthy at 1.75%.
The consumer segment posted the highest growth at 56.1% YoY, reaching IDR 1.7 trillion. Gold financing (Emas iB) recorded the highest growth, soaring 231.2% YoY to IDR 300 billion. Director Pranata said Emas iB can be accessed via BSya by BCA Syariah mobile banking make gold investment easier and more convenience.
TPF grew 24.2% YoY to IDR 14.0 trillion, supported by digital feature enhancements in BSya that improved transaction convenience. CASA ratio stood at 40.8% of total TPF. "Customer growth is one of our strategies to promote sustainable business. With a stronger customer base, we expect to further support the growth of low-cost funds, and create more competitive intermediation function," Yuli added.
20.1% YoY growth in mobile banking transactions showed customer's enthusiasm using BCA Syariah digital transaction channel. BCA Syariah continues to innovate by introducing various features, including Islamic featur in BSya, which are zakat fitrah payments and qurban purchases. Additionally, BCA Syariah developed new payment methode using QRIS Customer Presented Mode (CPM)—where customers display a QRIS code to be scanned by merchants. Other feature is cardless cash deposits in all BCA ATM networks.
Positive growth was also reflected in sustainable financing, which rose 16.4% YoY to IDR 3.0 trillion, bringing the share of sustainable financing at BCA Syariah to 26.9% of the bank’s total financing. This sustainable financing was allocated in six green financing sectors: pollution prevention, eco-efficiency, environmentally friendly transportation, sustainable water and wastewater management, energy efficiency, sustainable management of biological natural resources & land use, as well as SMEs
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Untuk informasi lebih lanjut, dapat menghubungi:
PT BANK BCA SYARIAH
Departemen Keberlanjutan, Komunikasi & Kesekretariatan Perusahaan
Alamat : Jl. Jatinegara Timur no. 72 Jakarta Timur 13310
Telepon : (021) 850-5030
Fax : (021) 850-9959
E-mail : bcas_humas@bcasyariah.co.id
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