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# Indonesia's Bank Central Asia Posts FY2024 Net Profit of IDR 54.8 Trillion on Loan and Digital Growth
- URL: https://www.theglobalbanker.com/bank-central-asia-fy2024-net-profit-idr-54-8-trillion-loan-digital-growth/
- Published: 2025-01-24T10:21:00.000Z
- Updated: 2026-10-02T14:37:36.000Z
- Description: BCA reported FY2024 net profit of IDR 54.8 trillion, up 12.7% year-on-year, as loan growth of 13.8% and rising digital transaction volumes drove income higher.
- Author: TGB Editorial Team
- Tags: Banking News, Asia-Pacific, #archive

Bank Central Asia recorded full-year 2024 net profit of IDR 54.8 trillion, a 12.7% increase on the prior year, as Indonesia's largest private bank continued to expand its credit portfolio, digital banking franchise, and wealth management business. The results, presented on 23 January 2025, showed net interest income rising 9.5% to IDR 82.3 trillion and total operating income climbing 9.7% to IDR 107.4 trillion.

BCA's net interest margin widened by 30 basis points year-on-year to 5.8%. The return on equity for the full year was 24.6%. The non-performing loan ratio improved to 1.8% from 1.9%, while the loan portfolio grew 13.8% to IDR 922 trillion over the twelve months. Total assets reached IDR 1,449 trillion at the year end, up 2.9% on the prior period.

#### DIGITAL VOLUMES AND DEPOSIT MIX

Mobile and internet banking transaction volume reached 31.6 billion for the full year, a 24% increase on 2023\. 

Current account and savings account deposits continued to account for 82% of total deposits.