BCA Credit Surges to Rp1,063 Trillion as Nine-Month Net Profit Reaches Rp45.2 Trillion
PT Bank Central Asia Tbk (BBCA) reported a net profit of Rp45.2 trillion for the first nine months of 2026, representing a 4.2% increase compared to the same period in the previous year, according to Bloomberg Technoz. The bank’s lending activities accelerated notably through September 2026, pushing total outstanding loans up by 12.6% year-on-year to reach Rp1,063 trillion. Director Hendra Lembong stated during the third-quarter earnings presentation that the lender’s loan growth spanned across corporate, commercial, and small and medium-sized enterprise segments while maintaining strict risk management amid tight liquidity conditions. Productive loans drove the overall expansion, climbing 17.2% year-on-year to Rp831 trillion. Within that category, corporate financing expanded by 20.9% to reach Rp528.1 trillion, while commercial loans rose 7.8% to Rp154.1 trillion.
Deposit Growth and Asset Quality Support Margin Resilience
Underpinning the loan expansion, total third-party funds grew 8% year-on-year to Rp1,301 trillion, driven by a 10.4% increase in current accounts and savings accounts (CASA) to Rp1.103 trillion, as reported by Kompas. Net interest income for the third quarter accelerated by 5% year-on-year to reach Rp22.5 trillion, supported by higher loan yields and stable funding costs. The bank’s Net Interest Margin stood at 5.41 percent as of September 2026, according to ANTARA News. Asset quality remained stable through the expansion phase, with the non-performing loan ratio at 1.8 percent and the loan-at-risk ratio at 4.6 percent through the third quarter of 2026.
Management Revises Full-Year Loan Growth Guidance Upward
Driven by strong demand heading into the final quarter of the year, bank executives updated their projections for the expanding lending portfolio. Vera Eve Lim, a director at the bank, noted that management initially projected full-year credit growth between 8% and 10%. Stronger-than-expected demand through the third quarter prompted the bank to revise its 2026 guidance upward to a range of 10% to 12%. Sector-specific demand remained broad-based. Corporate lending momentum concentrated in agriculture and plantation, infrastructure and transport, power generation, and digital technology infrastructure.
Expanded Customer Initiatives and Digital Services
Financing activities during the period were further supported by major outreach events, including BCA Expo 2026 and BCA UMKM Fest 2026, which involved more than 1,600 business participants, alongside the BCA Wealth Summit 2026 financial education forum. Sustainable financing reached Rp280.3 trillion by September 2026, marking a 16.3 persen year-on-year increase and accounting for a significant share of the total loan portfolio. To address evolving client needs, the bank expanded its digital ecosystem through updates to the myBCA application, which integrates the Indonesian Credit Card (KKI) to enable QRIS transactions using credit card funds, alongside specialized offerings such as the Planned Fixed Mortgage program and the SME Multipurpose Credit facility for the 2026 SME Day campaign.
Frequently Asked Questions
How much did BCA’s net profit grow in the first nine months of 2026?
PT Bank Central Asia Tbk recorded a net profit of Rp45.2 trillion through September 2026, marking a 4.2% increase compared to the same period in 2025.
What were the main drivers of BCA’s loan growth in 2026?
Productive loans reached Rp831 trillion, led by a 20.9% increase in corporate financing to Rp528.1 trillion and a 15.4% rise in small and medium enterprise loans to Rp149.2 trillion.
What is BCA’s updated credit growth forecast for the full year?
Management raised its full-year 2026 loan growth guidance from an initial 8% to 10% range up to a double-digit target of 10% to 12%.
How did customer deposits perform during this period?
Total third-party funds increased by 8% year-on-year to Rp1,301 trillion, supported by a 10.4% expansion in current and savings accounts to Rp1.103 trillion.
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