Best bank: Bank Central Asia
Indonesia’s banking sector in 2025 was defined by intensifying competition for low-cost deposits and rapid growth in digital payments, placing transaction banking and funding stability at the centre of performance.
Bank Central Asia’s (BCA) results reflect sustained dominance in these areas. The bank maintained one of the strongest liability franchises in the market, with a CASA ratio significantly above peers and a large share of transaction accounts, underpinning a structurally low cost of funds.
This funding advantage supported stable margins despite pricing pressure, while balance sheet growth remained disciplined, with asset quality metrics improving and non-performing loans contained.
Execution was driven by the bank’s long-established transaction banking model.
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