BCA's credit surpasses Rp 1,036 trillion for the first time in H1 2026

PT Bank Central Asia Tbk (BCA) has achieved a significant milestone, with its credit disbursement surpassing Rp 1,000 trillion for the first time, reaching Rp 1,036 trillion in the first half of 2026. This marks an 8% increase compared to the same period last year, signaling robust lending activity.

BCA President Director Hendra Lembong attributed the credit growth to a rise in productive financing, even amid ongoing economic fluctuations. He emphasized that the bank continues to adhere to prudent lending principles while carefully managing its liquidity. "BCA's performance in the first half of 2026 was supported by various factors, such as BCA Expoversary 2026 and the disbursement of productive credit to various sectors," Lembong stated during the first-half 2026 performance presentation.

Productive credit reached Rp 802 trillion, an 11% year-on-year increase. Corporate credit grew by 13.6% to Rp 513.4 trillion, while commercial and small-medium enterprise (SME) credit rose by 6.6% to Rp 288.5 trillion. The bank maintained healthy financial metrics, with loan-at-risk (LAR) and non-performing loan (NPL) ratios at 4.9% and 1.9%, respectively. On the funding side, third-party funds (DPK) increased by 7.9% to Rp 1,284 trillion, largely driven by current and savings accounts (CASA), which grew 10.2% to Rp 1,082 trillion, representing 84.3% of total DPK. This strong CASA performance helped keep the cost of funds under control.

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BCA's performance in the first half of 2026 was supported by various factors, such as BCA Expoversary 2026 and the disbursement of productive credit to various sectors.

BCA also reported growth in sustainable financing, with green credit increasing by 19% to Rp 123 trillion. This was boosted by a significant surge in financing for new renewable energy, which jumped 82% to Rp 7.7 trillion, and a 25% increase in electric vehicle loans to Rp 4 trillion. The bank's net profit for the first half of 2026 and its subsidiaries reached Rp 29.5 trillion. BCA maintains its credit growth target of 8-10% for the full year, citing strong financing demand across various business sectors.

In response to Bank Indonesia's 100 basis point increase in the benchmark BI Rate since May 2026, BCA is gradually adjusting its credit interest rates. However, these adjustments are selective, applied only to specific borrowers based on their risk profile and business conditions. Lembong clarified that the BI Rate hike is not being passed on universally. "We are not increasing rates for all customers. We are only increasing them for certain customers whose businesses we assess as still capable, so their interest rates are raised. For customers whose interest rates are already high, we are not increasing them," he explained.

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We are not increasing rates for all customers. We are only increasing them for certain customers whose businesses we assess as still capable, so their interest rates are raised. For customers whose interest rates are already high, we are not increasing them.