{"id":23724,"date":"2026-02-11T11:54:05","date_gmt":"2026-02-11T04:54:05","guid":{"rendered":"https:\/\/businessupdate.id\/?p=23724"},"modified":"2026-02-11T11:54:08","modified_gmt":"2026-02-11T04:54:08","slug":"bca-syariah-torehkan-laba-bersih-rp212-miliar-sepanjang-2025","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=23724","title":{"rendered":"BCA Syariah Torehkan Laba Bersih Rp212 Miliar Sepanjang 2025"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211; <\/strong>PT Bank BCA Syariah mengantongi laba bersih sebesar Rp212 miliar sepanjang 2025. Laba ini meningkat 15,4% secara tahunan (yoy) dibandingkan tahun sebelumnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Laba bersih tersebut ditopang oleh kenaikan pendapatan perusahaan. Sementara laba bruto atau laba sebelum pajak tercatat sebesar Rp258 miliar atau naik 17%(yoy) dibanding tahun sebelumnya. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Alhamdulillah, BCA Syariah pada tahun ini tumbuh solid dan berkelanjutan. Ini mencerminkan semakin kuatnya minat dan kepercayaan masyarakat,&#8221; ujar Presiden Direktur BCA Syariah Yuli Melati Suryaningrum dalam konferensi pers di Jakarta, Selasa (10\/2\/2026). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur BCA Syariah Pranata menambahkan, peningkatan laba tersebut terutama ditopang oleh pertumbuhan pendapatan dari pembiayaan dan treasury. &#8220;Dari sisi <em>income<\/em> memang <em>financing income<\/em> kita tumbuh. Income financing berada di angka Rp938 miliar atau tumbuh 16% (yoy). Kemudian dari <em>treasury income<\/em> juga tumbuh 25% (yoy),&#8221; jelas Pranata. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menambahkan, sepanjang 2025, penyaluran pembiayaan BCA Syariah tumbuh 23,1% (yoy) menjadi Rp13,2 triliun dengan fokus pada sektor-sektor produktif. Jenis pembiayaan yang paling dominan berkontribusi ke pertumbuhan berasal dari pembiayaan komersial atau korporasi sebesar 76%, pembiayaan konsumer sebesar 16%, dan pembiayaan UMKM sebesar 7%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Namun dari sisi pertumbuhan, pembiayaan konsumer justru tumbuh lebih tinggi yakni 47,1% (yoy), kemudian diikuti pembiayaan korporasi yang tumbuh di kisaran 20% (yoy), dan pembiayaan UMKM tumbuh 9,6% (yoy). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari sisi kualitas aset, BCA Syariah mampu menjaga pembiayaan tetap sehat. Hingga Desember 2025, rasio pembiayaan bermasalah (<em>Non Performing Financing<\/em>\/NPF) gross tercatat di level 1,6%. Pendapatan berbasis komisi (<em>fee based income<\/em>) yang tumbuh sekitar 35% turut memberikan kontribusi positif terhadap kinerja laba. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di sisi lain, kinerja profitabilitas masih menghadapi tekanan dari kenaikan biaya dana. Sepanjang 2025, <em>cost of fund<\/em> tercatat meningkat hingga 32%, seiring masih tingginya harga dana yang dirasakan sejak awal 2024 hingga kuartal III\/2025. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meski demikian, perseroan mulai berhasil menekan biaya dana pada Kuartal IV\/2025 dimana <em>cost of fund<\/em> yang berada di kisaran 4% di awal 2025 berhasil ditekan sekitar 60 basis poin hingga akhir tahun. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tekanan biaya tersebut berdampak pada penurunan net imbalan (net margin) sekitar 30 basis poin menjadi 4,4%. Meski menghadapi tekanan margin, rasio profitabilitas dan efisiensi BCA Syariah tetap terjaga. <em>Return on Asset<\/em> (ROA) dan <em>Return on Equity<\/em> (ROE) berada pada level yang sehat, sementara rasio BOPO terjaga di kisaran 80% dan <em>cost to income ratio<\/em> (CIR) berada di sekitar 63%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari sisi likuiditas dan permodalan, kinerja BCA Syariah juga menunjukkan kondisi yang kuat. <em>Financing to Deposit Ratio<\/em> (FDR) tercatat berada di level yang efektif, yakni sekitar 85%. Sementara itu, rasio kecukupan modal (<em>Capital Adequacy Ratio<\/em>\/CAR) berada di level 27,7%, mencerminkan permodalan yang solid untuk mendukung ekspansi pembiayaan ke depan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari sisi pendanaan, dana pihak ketiga (DPK) BCA Syariah tercatat tumbuh 17,1% (yoy) menjadi Rp 15,4 triliun, didorong oleh peningkatan dana murah (CASA) yang tumbuh 25,7% (yoy) dan mencapai Rp 6,3 triliun. Dengan keseluruhan kinerja sepanjang 2025 tersebut, kini total aset perseroan mencapai Rp19,2 triliun atau meningkat 15,4% (yoy). (pa\/jh)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank BCA Syariah mengantongi laba bersih sebesar Rp212 miliar sepanjang 2025. Laba ini meningkat 15,4% secara tahunan (yoy) dibandingkan tahun sebelumnya. Laba bersih tersebut ditopang oleh kenaikan pendapatan perusahaan. Sementara laba bruto atau laba sebelum pajak tercatat sebesar Rp258 miliar atau naik 17%(yoy) dibanding tahun sebelumnya. &#8220;Alhamdulillah, BCA Syariah pada tahun ini [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":23725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,291,377,1775,2410],"class_list":["post-23724","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank","tag-bca-syariah","tag-keuangan","tag-kinerja","tag-laba-bersih"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BCA Syariah Torehkan Laba Bersih Rp212 Miliar Sepanjang 2025 - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=23724\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BCA Syariah Torehkan Laba Bersih Rp212 Miliar Sepanjang 2025 - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank BCA Syariah mengantongi laba bersih sebesar Rp212 miliar sepanjang 2025. Laba ini meningkat 15,4% secara tahunan (yoy) dibandingkan tahun sebelumnya. Laba bersih tersebut ditopang oleh kenaikan pendapatan perusahaan. Sementara laba bruto atau laba sebelum pajak tercatat sebesar Rp258 miliar atau naik 17%(yoy) dibanding tahun sebelumnya. &#8220;Alhamdulillah, BCA Syariah pada tahun ini [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=23724\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-11T04:54:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-11T04:54:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2026\/02\/BCA-Syariah.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1156\" \/>\n\t<meta property=\"og:image:height\" content=\"624\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Premieri A\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Premieri A\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=23724\",\"url\":\"https:\/\/businessupdate.id\/?p=23724\",\"name\":\"BCA Syariah Torehkan Laba Bersih Rp212 Miliar Sepanjang 2025 - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-02-11T04:54:05+00:00\",\"dateModified\":\"2026-02-11T04:54:08+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=23724#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=23724\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=23724#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"BCA Syariah Torehkan Laba Bersih Rp212 Miliar Sepanjang 2025\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\",\"name\":\"Premieri A\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"caption\":\"Premieri A\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=5\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"BCA Syariah Torehkan Laba Bersih Rp212 Miliar Sepanjang 2025 - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=23724","og_locale":"en_US","og_type":"article","og_title":"BCA Syariah Torehkan Laba Bersih Rp212 Miliar Sepanjang 2025 - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank BCA Syariah mengantongi laba bersih sebesar Rp212 miliar sepanjang 2025. 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