According to a UOB Kay Hian (UOBKH) report from June 16, 2025, Bank Central Asia (BBCA) is prioritizing stable profit margins and operational efficiency rather than aggressively expanding its loan portfolio.
BBCA’s focus for 2025 is on maintaining stable margins. As of April 2025, the bank’s loan-to-deposit ratio (LDR) was 80%, which is the lowest among its competitors. Despite this, its loan growth for April 2025 was 3.2% month-on-month and a substantial 12.8% year-on-year, keeping it on track to meet its 6% to 8% target for 2025.
The report highlights BBCA’s strong efficiency, noting its cost-to-income ratio (CIR) was the lowest among its peers at 28.5% in Q1 2025. This efficiency is largely attributed to the bank’s automation efforts. Management stated that approximately 60% of all branch transactions are now handled by self-service machines.
Furthermore, BBCA’s new in-house data center, completed in 2024, is designed to be scalable for the next five years. UOBKH suggests this will enable the bank to detect issues more quickly and maintain tighter cost control.
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