PT Bank Central Asia Tbk (BBCA) investor relations material

Executive summary

• Net profit for Q1 2026 increased 3.8% YoY to Rp 14.7 trillion, with total assets growing to Rp 1,640.8 trillion and strong growth in CASA (11.2% YoY), loans (5.6% YoY), and third-party funds (8.3% YoY).

• Digital transactions accounted for 99.8% of total volume, with mobile banking usage and transaction value rising sharply.

• Sustainable financing portfolio grew 10% YoY, with notable progress in green and MSME financing.

• The bank maintained a strong capital adequacy ratio (CAR) of 26.95% as of March 2026.

• Market cap reached Rp 798 trillion as of April 2026, the largest in Indonesia's banking sector.

Financial highlights

• Net interest income remained flat YoY at Rp 21.11 trillion, while non-interest income rose 14.2% YoY, driven by higher net fees, commissions, and trading income.

• Operating expenses were stable YoY but increased to Rp 8.67 trillion due to higher personnel and administrative costs.

• CASA ratio improved to 85.2%, and cost-to-income ratio decreased to 27.3%.

• NPL ratio slightly increased to 1.8%, with NPL coverage at 174.6%.

• Total equity attributable to owners stood at Rp 259.13 trillion as of March 2026.

Outlook and guidance

• Continued focus on digital transformation, operational efficiency, and sustainable finance.

• AI and automation initiatives expected to further boost efficiency and customer experience.

• Interim dividends for 2026 may be distributed up to three times, subject to financial conditions.