PT Bank Central Asia Tbk (BBCA) Q3 2026 earnings summary

Executive summary

• 9M26 net income was Rp45,238,712 million, up from Rp43,413,463 million YoY; basic and diluted EPS rose to Rp368 from Rp352.

• Loans grew 12.6% YoY to Rp1,063tn, third-party funds increased 8.0% to Rp1,301tn and CASA rose 10.4% to Rp1,103tn.

• Total assets reached Rp1,641,511,008 million at 30 September 2026; net loans were Rp1,008,546,584 million.

• 3Q26 PPOP increased 5.1% QoQ to Rp20.1tn and net profit rose 5.6% to Rp15.7tn, supported by higher net interest income.

Financial highlights

• 9M26 operating income rose 2.9% to Rp85.3tn and PPOP increased 2.5% to Rp58.5tn; net interest and sharia income was Rp65,055,963 million, versus Rp63,946,397 million YoY.

• Non-interest income increased 7.6% to Rp20.1tn, including fees and commissions up 9.9%; net fees and commissions were Rp15,575,186 million, versus Rp14,388,352 million.

• Operating expenses increased 3.7% YoY to Rp26.8tn; impairment expense was Rp2,753,630 million, versus Rp3,522,726 million, while provisions including loan recovery declined 25.6% to Rp2.5tn.

• 3Q26 operating income rose 5.1% QoQ to Rp29.5tn; net interest income increased 5.2% to Rp22.5tn and trading income grew 31.4% to Rp1.2tn.

• 9M26 income before tax was Rp55,777,065 million, versus Rp53,766,944 million; income tax expense was Rp10,538,353 million, versus Rp10,353,481 million.

Segment performance

• Corporate loans reached Rp528.1tn, up 20.9% YoY; commercial loans grew 7.8% to Rp154.1tn and SME loans increased 15.4% to Rp149.2tn.

• Consumer loans totaled Rp231.3tn, up 0.6% YoY; mortgages rose 3.6% to Rp143.7tn and personal loans grew 11.5% to Rp26.3tn, while vehicle loans fell 20.6% to Rp48.7tn.

• SME balances increased 14.0% YtD and 10.8% QoQ; the SME customer count rose 33% over four years.

• Sustainable finance outstanding reached Rp280tn, up 16.3% YoY and 26.4% of the total portfolio; renewable energy financing rose 134% to Rp6.8tn.

• Product-based assets comprised Rp1,008,546,584 million in loans, Rp515,286,177 million in treasury and Rp117,678,247 million in other assets.