2025 Performance: BCA Insurance's Profit Surges 16.65%, Solvency Reaches 475%
PT Asuransi Umum BCA (BCA Insurance) recorded solid financial performance throughout 2025. The company successfully booked an after-tax profit of Rp260.18 billion, a significant year-on-year (YoY) growth of 16.65% compared to the Rp223.04 billion profit in 2024.
Based on the company’s financial publication report cited from Harian Bisnis Indonesia edition Saturday (25/4/2026), this profit growth was supported by positive top-line performance in line with the company’s adaptation to the implementation of PSAK 117 accounting standards on Insurance Contracts.
Contribution from Revenue and Investments
The profit increase was bolstered by insurance service revenue reaching Rp1.62 trillion, up 4.24% from the previous year’s Rp1.56 trillion. In line with that, net insurance service results (equivalent to underwriting results) also rose 2.57% to Rp287.15 billion in 2025.
In addition to operational revenue, BCA Insurance recorded a significant increase in revenue from investment activities. The company booked investment gains (realised and unrealised) of Rp184.14 billion, surging 20.22% YoY from Rp153.17 billion in 2024.
Robust Financial Health
From a financial position perspective, BCA Insurance’s assets surpassed Rp3.45 trillion in 2025, an 11.86% increase from Rp3.08 trillion the previous year. These assets were dominated by placements in investment instruments amounting to Rp2.62 trillion.
The company’s financial health is monitored as very strong, reflected in the solvency achievement ratio or Risk Based Capital (RBC). At the end of 2025, BCA Insurance’s RBC stood at 475%, a sharp rise from 383% in 2024. This figure far exceeds the minimum threshold of 120% set by the Financial Services Authority (OJK).
Summary of BCA Insurance’s 2025 Performance
The company’s equity position also strengthened to Rp1.55 trillion from Rp1.40 trillion the previous year. Meanwhile, total liabilities were recorded at Rp1.89 trillion, with insurance contract liabilities as the largest component at Rp1.26 trillion.
With strong capitalisation and a solvency level well above regulatory requirements, BCA Insurance is assessed to have ample room to continue expanding and managing risks amid the increasingly dynamic challenges in the insurance industry in 2026.