BBCA — Income Statement (Laba Rugi)

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Laporan Keuangan Ringkasan laba rugi, neraca, dan arus kas — BBCA PT Bank Central Asia Tbk.

Dalam Jutaan IDR | Triwulanan | 8 periode s/d 2026

IDX · Data asli: IDR

Dalam Jutaan IDR	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024
▼ Total Pendapatan	30,867,721	123,114,215	92,760,605	61,584,642	30,458,855	117,946,209	87,318,117	57,389,038
Pendapatan Bunga	24,592,248	98,912,652	73,985,468	49,313,964	24,366,718	94,796,454	70,288,000	46,077,910
Provisi Dan Komisi Kredit	5,743,384	22,198,323	18,775,137	12,270,678	6,092,137	23,149,755	17,030,117	11,311,128
Others	532,089	2,003,240	-	-	-	-	-	-
Total Pendapatan	30,867,721	123,114,215	92,760,605	61,584,642	30,458,855	117,946,209	87,318,117	57,389,038
▼ Total Beban Pokok Penjualan	(3,484,315)	(13,364,495)	(10,039,117)	(6,729,013)	(3,248,158)	(12,532,292)	(9,355,232)	(6,182,762)
Beban Bunga	(3,483,815)	(13,364,495)	(10,039,117)	(6,729,013)	(3,248,158)	(12,532,290)	(9,355,229)	(6,182,567)
Beban Provisi Dan Komisi	(500)	-	-	-	-	(2)	(3)	(195)
Total Beban Pokok Penjualan	(3,484,315)	(13,364,495)	(10,039,117)	(6,729,013)	(3,248,158)	(12,532,292)	(9,355,232)	(6,182,762)
Laba Kotor	27,383,406	109,749,720	82,721,488	54,855,629	27,210,697	105,413,917	77,962,885	51,206,276
▼ Total Beban Usaha	(9,306,334)	(38,488,844)	(28,954,544)	(19,061,970)	(9,755,035)	(37,196,067)	(27,116,631)	(17,983,710)
▼ Pendapatan Operasional Lainnya	1,050,212	4,114,908	3,155,432	1,858,616	913,630	2,892,624	2,573,919	1,466,899
Provisi Dan Komisi Lainnya	-	-	-	-	-	-	-	-
Keuntungan Transaksi Perdagangan	709,371	2,769,433	2,148,500	1,180,939	685,623	1,837,321	1,955,055	1,161,703
Pendapatan Dividen	1,293	107,764	100,795	41,324	1,439	38,095	31,997	13,968
Keuntungan (Rugi) Atas Transaksi Derivatif	339,548	1,237,711	906,137	636,353	226,568	1,017,208	586,867	291,228
Total Pendapatan Operasional	1,050,212	4,114,908	3,155,432	1,858,616	913,630	2,892,624	2,573,919	1,466,899
▼ Beban Operasional Lainnya	(10,356,546)	(42,603,752)	(32,109,976)	(20,920,586)	(10,668,665)	(40,088,691)	(29,690,550)	(19,450,609)
Beban Penyisihan Kerugian Penurunan Nilai	(1,232,275)	(4,011,047)	(3,522,726)	(2,011,459)	(1,031,032)	(2,034,453)	(2,367,089)	(1,405,716)
Beban Umum Dan Administrasi	(3,434,164)	(16,780,115)	(11,873,670)	(7,782,988)	(3,692,273)	(16,874,142)	(11,305,707)	(7,036,524)
Others	(5,690,107)	(21,812,590)	(16,713,580)	(11,126,139)	(5,945,360)	(21,180,096)	(16,017,754)	(11,008,369)
Total Beban Operasional	(10,356,546)	(42,603,752)	(32,109,976)	(20,920,586)	(10,668,665)	(40,088,691)	(29,690,550)	(19,450,609)
Total Beban Usaha	(9,306,334)	(38,488,844)	(28,954,544)	(19,061,970)	(9,755,035)	(37,196,067)	(27,116,631)	(17,983,710)
Laba Usaha	18,077,072	71,260,876	53,766,944	35,793,659	17,455,662	68,217,850	50,846,254	33,222,566
▼ Penghasilan/Beban Lain-Lain	-	-	-	-	-	-	-	-
Others	-	-	-	-	-	-	-	-
Total Penghasilan/Beban Lain-Lain	-	-	-	-	-	-	-	-
Laba Sebelum Pajak	18,077,072	71,260,876	53,766,944	35,793,659	17,455,662	68,217,850	50,846,254	33,222,566
▼ Beban Pajak Penghasilan	(3,387,273)	(13,697,783)	(10,353,481)	(6,770,690)	(3,308,672)	(13,366,576)	(9,758,365)	(6,345,067)
Pajak Kini	-	-	-	-	-	-	-	-
Pajak Tangguhan	-	-	-	-	-	-	-	-
Total Beban Pajak Penghasilan	(3,387,273)	(13,697,783)	(10,353,481)	(6,770,690)	(3,308,672)	(13,366,576)	(9,758,365)	(6,345,067)
Laba Bersih Tahun Berjalan	14,689,799	57,563,093	43,413,463	29,022,969	14,146,990	54,851,274	41,087,889	26,877,499
▼ Pendapatan Komprehensif Lain	(1,386,183)	1,345,964	1,764,642	1,004,941	365,959	(344,954)	380,910	(508,958)
Others	(1,386,183)	1,345,964	1,764,642	1,004,941	365,959	(344,954)	380,910	(508,958)
Total Pendapatan Komprehensif Lain	(1,386,183)	1,345,964	1,764,642	1,004,941	365,959	(344,954)	380,910	(508,958)
Jumlah Laba Komprehensif	13,303,616	58,909,057	45,178,105	30,027,910	14,512,949	54,506,320	41,468,799	26,368,541
▼ Laba Bersih Yang Dapat Diatribusikan	14,689,799	57,563,093	43,413,463	29,022,969	14,146,990	54,851,274	41,087,889	26,877,499
Pemilik Entitas Induk	14,684,123	57,537,287	43,397,415	29,016,414	14,146,131	54,836,305	41,073,863	26,876,184
Kepentingan Non-Pengendali	5,676	25,806	16,048	6,555	859	14,969	14,026	1,315
Total Laba Bersih Yang Dapat Diatribusikan	14,689,799	57,563,093	43,413,463	29,022,969	14,146,990	54,851,274	41,087,889	26,877,499
▼ Laba Komprehensif Yang Dapat Diatribusikan	13,303,616	58,909,057	45,178,105	30,027,910	14,512,949	54,506,320	41,468,799	26,368,541
Pemilik Entitas Induk	13,298,307	58,882,446	45,153,366	30,017,551	14,511,934	54,493,191	41,454,164	26,368,068
Kepentingan Non-Pengendali	5,309	26,611	24,739	10,359	1,015	13,129	14,635	473
Total Laba Komprehensif Yang Dapat Diatribusikan	13,303,616	58,909,057	45,178,105	30,027,910	14,512,949	54,506,320	41,468,799	26,368,541

Key Ratios — BBCA ROE, ROA, EPS disetahunkan · Metode Teguh Hidayat · Harga saham: Rp 6.275 (2026-07-24)

Rasio	Q1 2026 ×4	Q4 2025	Q3 2025 ×1⅓	Q2 2025 ×2	Q1 2025 ×4	Q4 2024	Q3 2024 ×1⅓	Q2 2024 ×2
Profitabilitas
Gross Margin (%)	88.71%	89.14%	89.18%	89.07%	89.34%	89.37%	89.29%	89.23%
Operating Margin (%)	58.56%	57.88%	57.96%	58.12%	57.31%	57.84%	58.23%	57.89%
Net Margin (%)	47.57%	46.73%	46.78%	47.12%	46.44%	46.49%	47.04%	46.83%
ROE (%)	22.67%	20.44%	20.93%	22.18%	22.97%	20.88%	21.41%	22.33%
ROA (%)	3.58%	3.63%	3.76%	3.86%	3.69%	3.78%	3.82%	3.77%
Per Lembar Saham
EPS (Rp)	481,28	471,45	474,12	475,51	463,65	449,32	448,74	440,44
BVPS (Rp)	2.123,30	2.306,30	2.264,92	2.143,48	2.018,36	2.152,05	2.095,71	1.972,10
Valuasi
PER (x)	13.04x	13.31x	13.24x	13.20x	13.53x	13.97x	13.98x	14.25x
PBV (x)	2.96x	2.72x	2.77x	2.93x	3.11x	2.92x	2.99x	3.18x
Struktur Modal
DER (x)	5.28x	4.60x	4.53x	4.71x	5.18x	4.48x	4.57x	4.88x