BCA Posts Rp29.5 Trillion First-Half Profit as Credit Surpasses Rp1 Quadrillion

PT Bank Central Asia Tbk. (BCA) achieved a net profit of Rp29.5 trillion in the first half of 2026, marking a 3.5% rise from Rp28.5 trillion in the same period last year. President Director Hendra Lembong highlighted that this growth was fueled by an 8% year-on-year credit expansion, pushing the bank's credit portfolio beyond Rp1,000 trillion for the first time to Rp1,036 trillion.

Lembong attributed the performance to initiatives like the BCA Expoversary 2026 and increased distribution of productive loans. The productive financing segment saw an 11% increase, reaching Rp802 trillion. Within this, corporate loans grew by 13.6% to Rp513.4 trillion, and commercial and SME loans rose by 6.6% to Rp288.5 trillion.

The bank also saw a 10.2% increase in current account and savings accounts (CASA) to Rp1,082 trillion, which constituted 84.3% of total third-party funds (TPF) of Rp1,284 trillion. This strong CASA base helped maintain a manageable cost of funds. Green financing experienced a notable 19% surge to Rp123 trillion, with financing for renewable energy sectors growing by 82% to Rp7.7 trillion and electric vehicle loans up 25% to Rp4 trillion.

BCA maintained robust asset quality as of June 2026, reporting a loan-at-risk (LAR) ratio of 4.9% and a non-performing loan (NPL) ratio of 1.9%. Non-interest income also grew by 11% annually, reaching Rp13.2 trillion. The bank's subsidiaries contributed Rp14.7 trillion to profits, a 4.3% year-on-year increase.

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This is the first time the company's credit portfolio has exceeded Rp1,000 trillion.