Bank BPD Bali Records Positive Performance in Q1 2026, Prepares for KBMI 2 Upgrade
Bank BPD Bali has successfully achieved a core capital of Rp 5.7 trillion in the first quarter of 2026. This figure is approaching the minimum requirement to become a Bank Group Based on Core Capital (KBMI) 2, which is above Rp 6 trillion.
This positive achievement aligns with the Financial Services Authority’s (OJK) plan to abolish KBMI 1. Thus, Bank BPD Bali is expected to upgrade to the KBMI 2 category in line with the bank’s 2026 Business Plan (RBB).
The President Director of Bank BPD Bali, I Nyoman Sudharma, explained that this core capital achievement is supported by capital injections from shareholders amounting to Rp 746 billion. It also includes the impact of the bank’s positive financial performance in the first quarter of 2026.
Sudharma stated that Bank BPD Bali’s positive performance is driven by aggressive credit expansion focused on productive sectors. Additionally, there has been an increase in third-party funds (DPK) with controlled CASA, as well as innovations in products and digital services.
“Bank BPD Bali consistently implements Good Corporate Governance (GCG) to maintain public trust,” said Sudharma in his statement on Friday (10/4/2026).
“Going forward, Bank BPD Bali will continue efforts to improve business fundamentals, integrated synergies across all business lines to drive sustainable growth acceleration, and strengthen the bank’s competitive advantage,” he added.
Sudharma explained that the positive performance up to the first quarter of 2026 is reflected in asset growth reaching Rp 42.71 trillion, or 8.23% year-on-year (yoy) as of March 2026. In carrying out its intermediation function, Bank BPD Bali recorded credit disbursements of Rp 25.29 trillion, or 8.66% yoy growth.
Meanwhile, third-party fund mobilisation (DPK) reached Rp 35.46 trillion, or an increase of 5.36% yoy. Credit disbursements are dominated by SME loans, accounting for 52.09% of the total credit portfolio.
“This achievement is inseparable from Bank BPD Bali’s commitment to supporting SMEs, namely through the realisation of People’s Business Credit (KUR) amounting to Rp 550.9 billion and Housing Programme Credit (KPP) reaching Rp 78.41 billion as of March 2026,” said Sudharma.
In addition to KUR disbursements, Bank BPD Bali also recorded graduations of KUR debtors through the KUSUMA credit product (Credit for Prosperous, Excellent & Advanced Businesses) with a volume of Rp 1.27 trillion. As a result, this achievement demonstrates that the KUR programme is increasingly effective in encouraging SME actors to develop and scale up their businesses.
Meanwhile, the gross non-performing loan (NPL) ratio is maintained at a low level of 0.84%, accompanied by a strong Coverage Ratio of 454.52%. Sudharma stated that this performance reflects the application of prudent principles in credit disbursement and consistent strengthening of risk management.
“DPK growth is supported by a relatively efficient funding structure, reflected in the low-cost funds ratio or Current Account Saving Account (CASA) reaching 66.13%. This reflects the sustained customer trust in Bank BPD Bali’s services,” said Sudharma.
On the other hand, the acceleration of digital services is also considered one of the factors helping to expand customer transaction activities and support commission-based income growth. The BPD Bali Mobile platform, with 282,677 users as of March 2026, is said to contribute to driving transactions and increasing fee-based income by 24.18% yoy, thereby strengthening non-interest income sources.
There is also an increase in transaction activities that strengthen the mobilisation of low-cost funds based on accounts and support the bank’s interest expense efficiency. Operational efficiency is also reflected in the cost-to-income ratio (BOPO) of 60.12%.
“This shows the bank’s ability to control operational costs to generate operational income,” said Sudharma.
From a profitability perspective, BPD Bali demonstrates good performance, as seen from the Return on Assets (ROA) ratio of 4.31%, Return on Equity (ROE) of 30.03%, and Loan to Deposit Ratio (LDR) of 71.32%. This indicates good capability in credit disbursement.
Bank BPD Bali also innovates in digital services through strengthening Information Technology (IT) aspects, cyber security management, and improving data privacy in accordance with applicable regulations. This is done to ensure that all service innovations have a good level of security.
For example, the development of BPD Bali Mobile, Complete QRIS Bank BPD Bali, Mobile NFC QRIS, development of online KKI payments, including QRIS Crossborder to various countries (Thailand, Malaysia, Singapore, and Japan). Currently, BPD Bali is also in the process of preparing for the implementation of QRIS Crossborder Indonesia-South Korea.
“Consistency in applying good corporate governance and Bank BPD Bali’s contribution to supporting regional economic growth has yielded several national-level awards up to the first quarter of 2026,” concluded Sudharma.