Assessing the Profits of Indonesia's Four Largest Banks in Early 2025: Who Will Be the Winner?

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Erlina Fury Santika 07/05/2025 18:47 WIB

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Several large Indonesian banks have finalized their first-quarter 2025 financial reports. Which bank earned the most profit?

Net Profit of Indonesia's Four Largest Banks (Q1 2025)

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Assessing the Profits of Indonesia's Four Largest Banks in Early 2025: Who Will Be the Winner?

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Net Profit of Indonesia's Four Largest Banks (Q1 2025)

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Large and profitable Indonesian banks have finalized their financial reports for the first quarter of 2025.

These giant banks include PT Bank Rakyat Indonesia (Persero) Tbk/BRI, PT Bank Mandiri (Persero) Tbk, PT Bank Negara Indonesia (Persero) Tbk/BNI, and PT Bank Central Asia Tbk/BCA.

Of these banks, BCA recorded the highest net profit, while BNI recorded the lowest. BRI was the only one to experience a profit decline in the first quarter.

The following summary is based on the financial reports of each company published by the Indonesia Stock Exchange (IDX).

* **BCA (BBCA)**

According to the company's financial report, the net profit of the BBCA-coded issuer reached Rp14.15 trillion in Q1 2025. This figure increased by 9.8% (year-on-year/yoy) from Rp12.88 trillion in Q1 2024.

The increase in profit is in line with the increase in net interest and sharia income by 6.8% (yoy) to Rp21.12 trillion in Q1 2025.

According to BCA President Director Jahja Setiaadmadja, BCA's profit growth was driven by a 12.6% (yoy) increase in credit to Rp941 trillion. The increase in credit was supported by financing expansion in various sectors.

* **BRI (BBRI)**

BRI's net profit was recorded at Rp13.67 trillion in Q1 2025.

However, this figure decreased significantly by 13.92% from the same period the previous year (yoy), which was Rp15.88 trillion in Q1 2024.

Furthermore, a decrease occurred in net interest and sharia income. In Q1 2025, it was recorded at Rp35.85 trillion, down 1.76% (yoy) from Rp36.49 trillion previously.

* **Bank Mandiri (BMRI)**

Bank Mandiri reported a net profit of Rp13.19 trillion in Q1 2025.

This figure increased by 3.89% from the same period the previous year (yoy), Rp12.7 trillion in Q1 2024.

Net interest and sharia income were recorded at Rp25.5 trillion in Q1 2025, up 5.45% (yoy) from Rp24.18 trillion in Q1 2024.

These increases coincided with an increase in interest and sharia expenses by 24.42%, from Rp11.34 trillion in Q1 2024 to Rp14.12 trillion in Q1 2025.

Citing Katadata, Bank Mandiri President Director Darmawan explained that this performance was inseparable from credit disbursement until March 2025, reaching Rp1,672 trillion or up 16.5% year-on-year. This credit disbursement was driven by both wholesale and retail segments.

* **BNI (BBNI)**

This bank, known as BBNI in the capital market, recorded a net profit of Rp5.38 trillion in Q1 2025. This profit increased by approximately 1% compared to Q1 of the previous year (yoy).

The increase in BNI's profit was partly supported by net interest income, which increased by 4.7% (yoy) to Rp9.83 trillion in Q1 2025.

BNI's Director of Finance & Strategy, Hussein Paolo Kartadjoemena, said that this positive performance demonstrates BNI's resilience in managing liquidity by balancing growth and risk mitigation.

"BNI's financial performance in Q1 2025 reflects healthy credit growth and the success of digital transformation, which also supports increased savings," said Paolo in a written statement on Monday (April 28, 2025).

(See also: Comparison of Profits of 5 Major Indonesian Banks in 2024)

Editor : Erlina Fury Santika

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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Assessing the Profits of Indonesia's Four Largest Banks in Early 2025: Who Will Be the Winner?

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