PT Bank Central Asia Tbk (BBCA) investor relations material

Executive summary

• 1H26 saw steady growth in assets, loans, and CASA, with digital transformation and AI adoption enhancing operational efficiency and customer experience.

• Sustainable finance and ESG initiatives expanded, with notable increases in green and social lending portfolios.

• The bank received multiple awards for performance, governance, and digital innovation.

• Consolidated net income for the six months ended 30 June 2026 reached Rp 29.55 trillion, up from Rp 29.02 trillion in the same period last year.

• Total assets grew to Rp 1,660.6 trillion as of 30 June 2026, compared to Rp 1,586.8 trillion at year-end 2025.

Financial highlights

• Total assets rose 10.4% year-over-year to Rp 1,661 tn; loans grew 8.0% YoY to Rp 1,036 tn.

• CASA increased 10.2% YoY, with third-party funds up 7.9% YoY.

• Net profit reached Rp 29.5 tn, up 1.8% YoY; PPOP grew 2.5% YoY to Rp 38.4 tn.

• Net interest and sharia income was Rp 42.51 trillion, nearly flat year-over-year.

• Net fee and commission income rose to Rp 10.33 trillion from Rp 9.42 trillion year-over-year.

Outlook and guidance

• Continued focus on digital banking, AI-driven efficiency, and sustainable finance.

• Economic headwinds include inflation, currency depreciation, and rising yields.

• The group continues to monitor macroeconomic conditions and regulatory changes, including new accounting standards effective 2026 and 2027.

• Capital adequacy remains strong, supporting ongoing business expansion and compliance with regulatory requirements.