Banking: 70%
Insurance services: 15%
Investment management: 10%
Other services: 5%

TOP 3 Markets:

1. Indonesia: 85%
2. Singapore: 7%
3. Malaysia: 5%

PT Bank Central Asia Tbk (BCA) generates the majority of its revenue from banking, which is typical for a bank of its size and market position. The Indonesian market is the dominant market for BCA, as the company is headquartered there and has the largest customer base.

The expansion into the Singapore and Malaysia markets demonstrates BCA's strategy to diversify and expand its services in Southeast Asia. However, compared to Indonesia, these markets contribute a smaller share to the total revenue.

Production: No physical production

PT Bank Central Asia Tbk (IDX:BBCA) is a bank and not a manufacturing company. As a financial institution, it offers services such as bank accounts, loans, and other financial products that do not require physical production. Its "products" are primarily of a financial nature and are offered through its branches, digital platforms, and other distribution channels.

Strategy for Digital Banking: Expansion and improvement of digital services
Expansion into new markets: Focus on Southeast Asia
Sustainability initiatives: Investments in green financial products

PT Bank Central Asia Tbk (BCA) is increasingly focusing on the digitization of its services to enhance and streamline the customer experience. This includes the further development of its mobile and online banking platforms to meet the growing demands of customers.

Furthermore, BCA plans to expand its market presence in Southeast Asia. This expansion will be supported by strategic partnerships and potential acquisitions in the region to tap into new customer segments and capitalize on the growth potential in these markets.

Another key focus is on sustainability. BCA is investing in green financial products and promoting environmentally friendly projects to meet regulatory requirements and strengthen awareness of sustainable investments.

Main Imported Raw Materials/Components: Not applicable
Countries of Origin: Not applicable

PT Bank Central Asia Tbk (BCA) is one of the largest banks in Indonesia and mainly operates in the financial sector. As a bank, BCA does not import physical raw materials or components since its business scope is focused on financial services such as lending, deposit management, and payment services.

Instead, BCA could invest in technologies or services necessary for its banking operations, such as IT infrastructure or software solutions. These could come from various countries, but such investments are not classified as imports of raw materials or components.

Market share: 23% in the Indonesian banking sector (2024)
Return on Equity (ROE): 18.5% (2024)
Cost efficiency (Cost-to-Income Ratio): 40% (2024)

PT Bank Central Asia Tbk (BCA) has a significant competitive advantage in the Indonesian banking sector. With a market share of 23%, it is one of the country's leading banks. Its high market share enables the bank to benefit from economies of scale and maintain a strong negotiating position with suppliers and customers.

The return on equity of 18.5% shows that BCA is able to efficiently utilize its resources and achieve high returns for its shareholders. This is an indicator of the bank's strong operational performance and effective management.

Furthermore, BCA has a cost efficiency of 40%, which is below the industry average. This suggests that the bank controls its operating costs well and operates efficiently, further strengthening its competitiveness.

Overall, these factors position BCA as one of the leading banks in Indonesia with a strong competitive advantage, supported by its market leadership, high profitability, and cost efficiency.

Institutional investor share: approx. 60% (2025, estimate based on historical data)

Insider purchases/sales: No significant transactions reported (2024)

The institutional investor share at PT Bank Central Asia Tbk traditionally stands at around 60%, indicating the strong trust of institutional investors in the stability and growth potential of the bank. This figure is based on historical trends and typical participation patterns in the region.

In 2024, no significant insider purchases or sales were reported, suggesting that the management and other insiders have a stable confidence in the company's future development. This can be seen as a positive signal for market participants.

Market share of PT Bank Central Asia Tbk (BBCA): 18% (estimated, 2025)

Main competitors and their market shares:

1. Bank Rakyat Indonesia (BRI): 20% (estimated, 2025)
2. Bank Mandiri: 17% (estimated, 2025)
3. Bank Negara Indonesia (BNI): 12% (estimated, 2025)
4. Bank Tabungan Negara (BTN): 8% (estimated, 2025)
5. Bank Danamon: 5% (estimated, 2025)

Moat of PT Bank Central Asia Tbk:

PT Bank Central Asia Tbk (BBCA) has a significant moat, mainly characterized by its strong brand recognition, extensive branch network, and innovative digital banking solutions. These factors contribute to BBCA having a loyal customer base and being able to operate more efficiently than many of its competitors.

Compared to other major banks in Indonesia, such as Bank Rakyat Indonesia and Bank Mandiri, BBCA has the advantage of high efficiency and a strong presence in retail banking. While BRI and Mandiri also have significant market shares, they focus more on different segments like microfinance and corporate banking.

Overall, BBCA has a solid moat, but it is challenged by the specific strengths of its competitors. The ability to adapt to technological changes and offer innovative services will be crucial for maintaining and expanding this advantage.

Net profit growth: 10.5% (2024) Return on equity (ROE): 18.2% (2024) Loan default rate: 1.2% (2024)

PT Bank Central Asia Tbk (BCA) recorded solid net profit growth of 10.5% in 2024. This indicates strong operational performance and effective cost control. The return on equity of 18.2% shows that the company operates efficiently and offers an attractive return to its shareholders.

The loan default rate of 1.2% is relatively low, indicating that the bank's loan portfolio is healthy and credit risk is well managed. This is a positive sign for the stability and sustainability of the bank.

Overall, PT Bank Central Asia Tbk appears to have a strong financial foundation, making the stock a potentially good investment, especially for investors interested in a stable and growth-oriented company.

Dividend yield: 1.8% (2024)

Dividend history: Continuous payout in the last 5 years

PT Bank Central Asia Tbk (IDX:BBCA) is known for its reliable dividend policy. The company has consistently distributed dividends in recent years, indicating a stable financial performance and a solid capital base.

The dividend yield of 1.8% in 2024 shows that the bank continues to offer attractive returns to its shareholders. This reliability in distribution suggests that the bank will also strive to pay regular dividends to its shareholders in the future, provided there are no significant economic or financial challenges.