BCA Syariah prepares for KBMI 2 upgrade pending capital injection from parent BCA

PT Bank BCA Syariah is poised to elevate its status to the KBMI 2 (banks based on core capital) category, provided it receives a capital increase from its parent company, PT Bank Central Asia (BCA). The bank has proactively prepared its infrastructure and operational capacity in anticipation of this potential upgrade.

Lukman Hadiwidjaja, Director of BCA Syariah, explained that strengthening capital is a key requirement for KBMI 1 banks, as advised by the Financial Services Authority (OJK). He noted that this strengthening can be achieved through various means, including consolidation, collaboration, and organic or inorganic capital increases. "The most important thing for us is how we prepare ourselves, including our long-term plans and the infrastructure that makes our capacity ready," Lukman stated during a media update on BCA Syariah's performance in the first half of 2026.

Hadiwidjaja confirmed that BCA Syariah has developed the necessary capacity and infrastructure to accommodate additional capital. However, the decision regarding any capital injection rests with the parent company, BCA. "The authority for capital increase is not with us, but with BCA," he clarified. He expressed readiness for the upgrade: "So we are very ready if suddenly there is additional capital for us to immediately become KBMI 2, thank God."

An upgrade to KBMI 2 would enable BCA Syariah to expand its services to a broader segment of the population. Consequently, the bank is also focusing on enhancing its business infrastructure and capacity to match the increased scale of operations. Beyond capital, Hadiwidjaja emphasized the importance of strengthening infrastructure, capacity, and good corporate governance (GCG) for KBMI 1 banks. As of June 2026, BCA Syariah reported total assets of Rp 20.7 trillion, a 17.2% year-on-year increase, with financing at Rp 13.6 trillion (up 20.5%) and third-party funds at Rp 15.39 trillion (up 10.2%).