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BBCA 2025 Profits Up +5% YoY – Stockbit Snips

by Victoria Sterling -Business Editor
written by Victoria Sterling -Business Editor

Daily Market Performance 🚀

Table of Contents

IHSG Foreign Flow Kurs USD/IDR Coal CPO Nickel
64,4 -0,52% 110,0 -1,26% 4.268 +1,02% Accelerated Credit Growth, Continued Efficiency Gains

Loan growth as of ‌the end of 2025 reached +8% YoY, ⁣within the​ upper range of management’s 2025F guidance. ​This realization was driven by an acceleration in credit‍ growth in December ​2025 (vs. November‌ 2025 bank-only: +5% YoY), which management⁤ attributed to⁢ a general increase in demand and ‍not overly related ​to stocking/planning for ⁤Ramadan 2026.⁣ Regarding cost-to-Income ​(CIR)⁢ reaching a low of 30.7%, BBCA management attributes this ‌efficiency ⁣to, among other things, the implementation of AI and operational automation within the company. ⁤management targets a CIR in the range of 31-33% in 2026F, higher than the 2025 realization but lower than the 2025 ⁣guidance in the ⁣range of 32-34%.

2026F Guidance

Generally, BBCA sees faster credit volume growth‌ in 2026F ‍able to compensate for ‌a lower Net Interest Margin (NIM) while Cost of Credit (CoC) remains relatively stable.

  • Loan growth: ​ +8-10% YoY (vs. 2025 realization: +8% YoY), still ‌driven by the corporate ⁣segment.
  • NIM:⁢ 5.4-5.6% (vs. 2025 realization: 5.7%), pressure on ⁤loan yield is projected to continue.

$BBTN: Direktur utama Bank Tabungan Negara, Nixon Napitupulu, mengatakan ​bahwa pihaknya menargetkan pertumbuhan laba bersih sekitar +16-18% YoY pada 2025 dan +20-22%⁤ yoy pada‌ 2026 (vs. realisasi 2024: -14% YoY).​ Nixon juga menyebutkan bahwa kredit dan Dana Pihak Ketiga (DPK) perseroan masing-masing tumbuh sekitar ‍+11-12% YoY dan ⁤+16% YoY per Desember 2025 (vs. realisasi 9M25: kredit +7% YoY dan DPK +16% YoY).Untuk 2026,BBTN ‍menargetkan pertumbuhan kredit sekitar +8-9% YoY,pertumbuhan DPK⁢ sekitar +7-8% YoY,penurunan Cost of Fund ke⁤ bawah 3,6%,Cost​ of Credit di ⁣kisaran 1-1,2%,serta menjaga rasio NPL di bawah 3%. Selain itu,‌ Nixon menjelaskan bahwa BBTN akan melakukan penguatan permodalan tier 2 senilai Rp2 T pada 1H26, yang diharapkan dapat dibeli oleh Danantara.

$ARCI:‌ Wakil ​Komisaris Utama ‍Archi Indonesia, Rizki Indrakusuma, menj

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  • $PTRO: Erwin Ciputra, pemegang saham PT Pertamina Rosaria Niaga, membeli 1,5 juta saham PTRO dengan harga rata-rata Rp1.450/lembar atau senilai total Rp2,175 M pada 24 Januari 2026. Setelah transaksi ini,kepemilikan Erwin ⁢Ciputra di PTRO naik⁣ dari 0,1056% menjadi 0,1096%.
  • $IMPC: Pengendali sekaligus direktur utama Impack Pratama Industri, ‍Haryanto ​Tjiptodihardjo, membeli‍ 2,5 juta ‍saham IMPC dengan ⁢harga rata-rata⁣ Rp3.500/lembar atau senilai total Rp8,75 M pada 26 Januari 2026.Setelah ​ transaksi ini, porsi​ kepemilikan​ langsung Haryanto ‍Tjiptodihardjo​ di IMPC naik, tetapi masih di kisaran 1,14%.
  • $MLBI: Multi Bintang Indonesia mengumumkan akuisisi 99,9% saham PT ⁤Karya Distilindo Sejahtera dari pihak non-afiliasi dengan ​harga tidak lebih dari Rp15 M.

Top Loser 🤕

$INDY $ELSA $ASII $MDKA
-11,97%

The mining permits of companies included in the 28 firms whose licenses were revoked by the government last week will be transferred ‍to Aneka Tambang ($ANTM) or MIND ID, coordinating ​Minister for Maritime Affairs and Investment Luhut Panjaitan said on Monday (Jan 26). simultaneously occurring, permits for 22 forestry companies will ‍be ‍transferred to PT‌ Perhutani. Regarding the future ⁤status‌ of the companies,‌ Prasetyo ‍mentioned that the government is open to the possibility of several ​of these ‌companies being taken over by the state⁤ to be operated again. Previously, business entities of United Tractors ($UNTR), PT Agincourt Resources,‌ and⁤ Toba Pulp Lestari ($INRU) were among the ⁢28 companies whose⁣ licenses ​were revoked by⁢ the government for violating environmental regulations that worsened the‌ impact of flooding in Sumatra at the end of last year.

Minister of Environment, Hanif Faisol Nurofiq, ⁣said on Monday (Jan 26) that companies whose environmental permits were revoked by the Ministry of Environment can file an appeal. Hanif explained that there are 8 companies whose environmental⁤ permits​ were revoked, 6 of which have‍ been subject to administrative ​fines. Previously, the Ministry of Environment had filed a civil lawsuit totaling Rp4.84 trillion against 6 ‌companies allegedly causing environmental damage in North Sumatra. Kontan reported that the 6 ‌companies consist of⁣ PT North Sumatra ⁤Hydro Energy, PT Agincourt‌ Resources (a business⁢ entity

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  • Komisaris Merdeka Copper Gold ($MDKA), Andrew⁣ Phillip Starkey, membeli 300.000 saham MDKA dengan ⁣harga rata-rata Rp3.078/lembar atau ‍senilai total Rp923,4 juta pada 22 Januari 2026. Setelah transaksi ini, porsi kepemilikan langsung Andrew Phillip Starkey di MDKA naik dari 0,011% menjadi 0,012%.
  • Pengendali sekaligus direktur utama Pelayaran kurnia Lautan semesta ($KLAS), Kurnyatjan Sakti Efendie, menjual 120‌ juta saham KLAS dengan harga rata-rata Rp102/lembar atau senilai total ~Rp12,2 M pada 20 Januari 2026. Setelah transaksi ini, porsi kepemilikan langsung Kurnyatjan Sakti Efendie di KLAS turun dari 74,96% ⁤menjadi 70,57%.

🛍️ Strategi Rebound: Kapan Waktunya “Belanja” dan Sektor mana yang Jadi Juara?

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Business Editor - Victoria Sterling

Victoria Sterling brings over 15 years of financial journalism expertise to NewsDirectory3. Her specialties include market analysis, corporate governance, mergers & acquisitions, and economic policy.

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