BCA Posts $849.8 M Q1 Profit as CASA Surge Powers Lending Growth
Jakarta. Bank Central Asia (IDX: BBCA) booked Rp 14.69 trillion ($849.8 million) in net profit attributable to owners in the first quarter of 2026, rising 3.82% year-on-year, supported by steady loan expansion and strong low-cost funding.
Total loans reached Rp 994 trillion as of March, up 5.6% yoy, underpinned by robust liquidity. Current and savings accounts (CASA) climbed 11.2% yoy to Rp 1,089 trillion, accounting for about 85.2% of total third-party funds.
President Director Hendra Lembong said seasonal spending during Ramadan and Eid-Al Fitr helped sustain credit demand, alongside strong customer response to the bank’s promotional event.
“BCA’s performance was supported by Ramadan and Eid al-Fitr momentum, as well as strong enthusiasm for BCA Expoversary 2026,” Hendra said at a press conference on Thursday, adding the program has been extended through April 30.
He added that the bank remains confident in maintaining solid performance amid global uncertainties by prudently expanding its business lines.
Productive loans remained the main growth driver, rising 7.8% yoy to Rp 760.2 trillion. Lending to sustainable sectors grew 10% to Rp 258.4 trillion, representing 26% of the bank’s total financing portfolio, in line with its environmental, social, and governance (ESG) commitments.
Micro, small, and medium enterprise (MSME) loans expanded 12% yoy to Rp 146 trillion, reflecting BCA’s support for the broader economy. Green financing rose 7.7% to Rp 113 trillion, partly driven by a 53.5% increase in lending to renewable energy projects.
Asset quality remained sound, with the loan-at-risk (LAR) ratio at 5.1% and non-performing loans (NPL) at 1.8%. Coverage ratios stood at 69.7% for LAR and 174.6% for NPL.
On the funding side, total third-party funds reached Rp 1,292.4 trillion, up 8.3% yoy, supported by continued growth in transaction banking across both digital and non-digital channels.
As of 11.29 a.m. Jakarta time, BBCA stood at Rp 6,075, dropped 5.45% or 350 points on Friday with the market cap reaching Rp 738.54 trillion.
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