Bank Amar's Q1 2026 net profit rose by Rp 71.1 billion

JAKarta - PT Bank Amar Indonesia Tbk recorded a net profit of Rp 71.1 billion in Q1 2026, a 5.36% increase year-on-year (yoy).

According to the financial report uploaded by Bank Amar on the Indonesia Stock Exchange (BEI) disclosure, the profit growth was driven by an increase in the bank’s net interest income.

Net interest income rose to Rp 370.19 billion in Q1 2026 from Rp 320.29 billion in the same period last year. This increase was due to higher interest income of Rp 416.51 billion compared to Rp 340.06 billion year earlier, while interest expenses also rose to Rp 46.32 billion from Rp 19.78 billion.

Senior Vice President Finance of Bank Amar, David Wirawan, stated that the bank remains focused on a profitable growth strategy, balancing business expansion with sustained profitability. ‘In business, we aim for profitability while ensuring growth is controlled, not overly aggressive, and aligns with our ecosystem and customer base,’ he said during an exclusive interview in Jakarta on Monday, 25 May 2026.

On the intermediation side, the net profit was supported by a 30% year-on-year increase in credit disbursement, significantly higher than the banking industry’s 9.49% growth.

Bank Amar’s total credit portfolio reached Rp 4.16 trillion as of end-MMarch 2026, up from Rp 3.18 trillion in Q1 2025.

The increase in lending was accompanied by a decline in non performing loan (NPL) ratio to 0.86% from 1.48% in the same period last year.

Consequently, the loan-to-deposit ratio (LDR) improved to 142.56% from 235.04% in the same period last year, providing a more balanced liquidity foundation to support future credit expansion without compromising stability. ‘Both loan and deposit growth have been robust year-on-year,’ he added.