BCA's Consolidated Profit Reaches Rp14.7 Trillion in Q1 2026

Jakarta (ANTARA) - PT Bank Central Asia Tbk (BCA) and its subsidiaries recorded a net profit of Rp14.7 trillion in the first quarter of 2026, growing 4.3% year-on-year (yoy) compared to Rp14.1 trillion in the same period the previous year. This growth was accompanied by solid credit and funding performance, with total loans increasing 5.6% (yoy) to Rp994 trillion and total third-party funds (DPK) rising 8.3% (yoy) to Rp1,292.4 trillion. BCA President Director Hendra Lembong stated in Jakarta on Thursday that the bank is optimistic about maintaining solid performance amid dynamic global conditions through prudent development of various business lines. Furthermore, BCA’s loans as of the end of March 2026 were primarily supported by productive credit amounting to Rp760.2 trillion, up 7.8% (yoy). In line with its commitment to environmental, social, and governance (ESG) principles, lending to sustainable sectors grew 10.0% (yoy) to Rp258.4 trillion, equivalent to 26.0% of BCA’s total financing portfolio. This achievement was bolstered by a 12% (yoy) growth in SME credit to an outstanding balance of Rp146 trillion, reflecting BCA’s support for various national economic sectors. Meanwhile, BCA’s green financing grew 7.7% (yoy) to Rp113 trillion, partly supported by a 53.5% (yoy) increase in financing for the New and Renewable Energy (EBT) sector. The company expressed its commitment to considering prudence principles and disciplined risk management in credit disbursement. The loan at risk (LAR) ratio and non-performing loan (NPL) ratio remained stable at 5.1% and 1.8%, respectively. Meanwhile, the provisioning ratios for LAR and NPL were at solid levels of 69.7% and 174.6%, respectively. On the funding side, the company recorded current account and savings funds (CASA) of Rp1,089 trillion, growing 11.2% (yoy). The CASA portion dominated at around 85.2% of BCA’s total DPK. According to the company, the increase in CASA aligns with the development of BCA’s transaction banking, including various digital and non-digital channels. From the liquidity and funding indicators perspective, the company recorded a loan to deposit ratio (LDR) of 74.1%, net stable funding ratio (NSFR) of 159.9%, and liquidity coverage ratio (LCR) of 305.7%. Meanwhile, on the profitability side, the net interest margin (NIM) was recorded at 5.4%, with return on assets (ROA) at 4.1% and return on equity (ROE) at 25.1%, supported by solid capitalisation with a capital adequacy ratio (CAR) of 27%.