PT Bank Digital BCA (BCA Digital), a subsidiary of PT Bank Central Asia Tbk., recorded net profit of Rp129.59 billion in the first half of 2026, up 53.13% year on year (YoY) from Rp84.62 billion in the same period last year. The result was recorded through June 2026 (30/6).

The increase in profit was supported by higher net interest income, commission income and other income.

BCA Digital's total assets rose 16.90% YoY to Rp20.81 trillion as of June 2026, while total third-party funds (DPK) increased 20.20% YoY to Rp15.78 trillion.

Net Interest and Commission Income Support Earnings

Net interest income grew 10.92% YoY to Rp704.50 billion in the first half of 2026.

Commission income increased 25.74% YoY to Rp59.54 billion from Rp47.35 billion in the same period last year.

Other income also rose 25.28% YoY to Rp42.90 billion from Rp34.24 billion in the first half of 2025.

Other operating expenses increased 1.93% YoY to Rp538.78 billion from Rp528.58 billion.

Personnel expenses rose 12.35% YoY to Rp104.22 billion, while other expenses increased 19.48% YoY to Rp253.29 billion.

BCA Digital recorded operating profit of Rp165.71 billion, up 55.52% YoY from Rp106.55 billion in the first half of 2025.

The bank recorded a non-operating loss of Rp444 million, improving from a loss of Rp1.94 billion in the same period last year.

BCA Digital Loans Reach Rp8.99 Trillion

BCA Digital's total loans reached Rp8.99 trillion in the first half of 2026, increasing 3.31% YoY from Rp8.70 trillion in the same period last year.

The growth in lending was supported by the increase in third-party funds collected by the bank.

As of June 2026, total third-party funds reached Rp15.78 trillion, up from Rp13.12 trillion in June 2025.

Deposits Surge as Assets Increase

Current account deposits were the main contributor to the growth in third-party funds.

Current account deposits surged 348.74% YoY from Rp42.76 billion in June 2025 to Rp191.88 billion in June 2026.

Meanwhile, total assets increased 16.90% YoY to Rp20.81 trillion as of June 2026.

KPMM, NPL and NIM Recorded Changes

BCA Digital's minimum capital adequacy requirement ratio (KPMM) declined to 34.45% in the first half of 2026 from 37.78% a year earlier.

Gross non-performing loans (NPL) stood at 0.94%, compared with 0.95% in the same period last year.

Net NPL declined to 0.15% from 0.22%.

The bank's net interest margin (NIM) decreased to 7.05% from 7.47% in the first half of 2025.

Meanwhile, the ratio of operating expenses to operating income improved to 83.94% from 88.29% in the same period last year.

PHOTO: BCA

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