Jakarta (ANTARA) - PT Bank Central Asia Tbk (BCA) is strengthening\nits monitoring of debtors in affected sectors to ensure credit quality\nremains intact amid the Middle East conflict and global\nuncertainties.<\/p>\n
BCA Vice President Director John Kosasih noted that one sector\nbeginning to feel the impact is the plastics industry, following the\nrise in raw material prices triggered by the global oil price surge.<\/p>\n
\u201cOf course, we continue to coordinate with our customers to assess\ntheir current conditions. And of course, we also ask about the\nmitigation measures that our customers will take,\u201d John said in response\nto media questions during a press conference in Jakarta on Thursday.<\/p>\n
John added that so far, risks are still well-managed, and customers\ncontinue to operate normally, so the bank will keep monitoring\ndevelopments in the situation.<\/p>\n
Regarding the impact on future corporate credit performance, he\nassessed that the commodity price surge, particularly in energy, has\nactually been anticipated by debtors from the start.<\/p>\n
According to him, the global conditions filled with uncertainties\nhave led customers to prepare for various possibilities, so the impact\ndoes not occur suddenly.<\/p>\n
Therefore, John said, BCA continues to strengthen coordination with\ncustomers to maintain readiness in anticipating various risks that may\narise.<\/p>\n
Regarding the rupiah\u2019s depreciation, John mentioned that foreign\ncurrency credit exposure remains relatively small, at around 4.9% of\nBCA\u2019s total portfolio, so the situation remains stable.<\/p>\n
Thus, the rupiah\u2019s weakening is deemed not to have a significant\nimpact. In fact, according to John, it can benefit export-oriented\ncustomers, although business players still hope for exchange rate\nstability.<\/p>\n
Meanwhile, BCA Director Subur Tan assured that the company has also\nconducted stress tests in line with regulator recommendations, and the\nresults are still considered quite positive.<\/p>\n
Subur noted that in terms of capital, the capital adequacy ratio\n(CAR) is in a range far above the minimum requirement, while the\nnon-performing loan (NPL) ratio remains stable at 1.8% as of March\n2026.<\/p>\n
Regarding the potential for an NPL increase in the future, he views\nit as too early to conclude, but the company remains confident in\nmaintaining good credit quality.<\/p>\n
On the other hand, Subur acknowledged a slight increase in loan at\nrisk (LAR), but the situation is still very much under control and\nsupported by adequate provisioning.<\/p>\n
As of the end of March 2026, BCA\u2019s total credit grew 5.6%\nyear-on-year (yoy) to Rp994 trillion.<\/p>\n
By segment, corporate credit grew 9.1% (yoy) to Rp483.8 trillion.\nMeanwhile, commercial credit grew 5.7% (yoy) to Rp145.2 trillion.<\/p>\n
Corporate credit holds the largest share at BCA, at 48.7% of total\ncredit. Meanwhile, the commercial credit share is 15.6% of total\ncredit.<\/p>\n
By sector, manufacturing credit reached Rp213.7 trillion (up 2.7%\nyoy), followed by the trade sector at Rp195.1 trillion (up 3.6%\nyoy).<\/p>\n
BCA\u2019s loan at risk (LAR) and non-performing loan (NPL) ratios are\nstable, at 5.1% and 1.8%, respectively. Meanwhile, the provisioning\nratios for LAR and NPL are at solid levels, at 69.7% and 174.6%,\nrespectively.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bca-monitors-debtors-affected-amid-global-dynamics-1777010017", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }