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BBNI latest · 4 banks Q2 · June 2026
Monthly reports + quarterly financial statements

Bank fundamentals, with BBNI Q2 in focus.

Compare five portfolio banks through May, with June and Q2 2026 data now available for Bank Negara Indonesia, Bank OCBC NISP, Bank Central Asia, and Bank Mandiri.

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Banks tracked
5

BBCA, BMRI, BBNI, BNGA, and NISP

BBNI H1 profit growth
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Reviewed individual Q2 2026 result

BBNI June credit
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Individual report figure

Latest coverage
4 banks

BBNI, NISP, BBCA, and BMRI updated through June

BBNI reviewed individual result · 30 June 2026

Q2 delivered exceptional loan growth, but funding mix, margins, and capital tightened.

The reviewed 1H 2026 publication is compared with the supplied 2Q 2025 report. Individual bank figures are used for consistency with the monthly series and published ratios.

Latest Q2 update
H1 net profitRp10.91T+7.6% YoY
Credit extendedRp952.84T+24.8% YoY
Net interest incomeRp21.77T+14.8% YoY
Customer depositsRp1,086.13T+22.6% YoY · derived CASA 65.9%
ROE14.54%+0.30pp YoY
NIM3.55%-0.28pp
Gross NPL1.93%-0.02pp
LDR87.73%+1.55pp
KPMM18.09%-2.98pp
Latest investment insight

BBNI’s growth engine accelerated, but the quality and funding cost of that expansion are the key debate.

H1 net profit rose 7.6% year over year as credit expanded 24.8%, net interest income grew 14.8%, and fee income increased 12.7%. Customer deposits also grew 22.6%, keeping LDR manageable at 87.73%; however, the calculated CASA mix fell to 65.9% from 72.5% as time deposits jumped about 52%, consistent with NIM declining to 3.55%. Profitability was mixed: ROE improved to 14.54%, but ROA fell to 1.92% and BOPO rose to 73.11%, while CIR improved to 44.57%. Asset quality stayed broadly stable—gross NPL eased to 1.93% while net NPL edged up to 0.72%—but impairment expense increased 36.4%. KPMM fell 2.98 percentage points to 18.09% as credit growth far outpaced equity growth of 2.8%. A Rp4.63T FVOCI valuation loss also cut total comprehensive income by roughly 45%, without reducing reported net profit. The result is constructive on growth and franchise momentum, but deposit mix, margin recovery, credit cost, and capital rebuilding are the next critical checks.

NISP unaudited consolidated result · 30 June 2026

Q2 shows healthy loan and funding growth, with better operating leverage.

The supplied consolidated financial statements are compared with the corresponding June 2025 report. Derived ratios are explicitly labelled.

Earlier Q2 update
H1 net profitRp2.73T+6.4% YoY
Gross loansRp184.77T+11.4% YoY
Net interest + sharia incomeRp5.85T+7.2% YoY
Customer depositsRp239.94T+10.9% YoY · CASA 60.5%
Gross NPL1.86%-0.06pp YoY
Net NPL0.72%+0.04pp
Bank CAR22.95%-0.45pp
RIM78.07%+1.27pp
Derived cost-to-income45.22%-2.27pp
Earlier investment insight

NISP’s core franchise improved, but higher credit cost and securities valuation losses deserve attention.

H1 net profit grew 6.4% year over year, supported by gross-loan growth of 11.4% and a 7.2% increase in net interest and sharia income. Customer deposits rose 10.9%; the calculated CASA mix improved sharply to 60.5% from 53.2%, while operating expenses increased only 0.9%, lowering the derived cost-to-income ratio to 45.22%. Asset quality was mixed: gross NPL improved to 1.86%, but net NPL edged up to 0.72%, and net impairment plus other provision expense increased to about Rp399B from Rp175B. Capital remains strong despite bank CAR declining to 22.95%. A Rp1.18T other-comprehensive loss—mainly unrealised securities valuation—reduced total comprehensive income to Rp1.55T without reducing reported net profit. The fundamental read is constructive, with funding mix and operating leverage improving, but risk cost, net NPL, and securities valuation remain the main checks.

BBCA unaudited result · 30 June 2026

Q2 shows resilient growth, but margin and returns softened.

Individual bank figures are used so the quarterly snapshot remains consistent with the monthly series.

Earlier Q2 update
H1 net profitRp30.19T+1.0% YoY
Credit extendedRp1,003.73T+8.0% YoY
Return on equity24.13%-1.06pp YoY
Gross NPL1.86%-0.31pp YoY
NIM5.32%-0.46pp
BOPO41.22%+0.76pp
Cost-to-income29.29%+0.18pp
LDR78.67%+0.63pp
KPMM26.79%-1.60pp
Earlier investment insight

BBCA remains highly resilient, although loan growth is not yet translating into stronger core earnings.

H1 net profit edged up 1.0% year over year while credit expanded 8.0%. Net interest income slipped 0.3% and NIM declined to 5.32%, contributing to softer ROA and ROE and slightly higher BOPO and CIR. The positive counterweight is asset quality: gross NPL improved to 1.86% and net NPL to 0.75%. Capital remains exceptionally strong at 26.79% despite a 1.60 percentage-point decline, and LDR is still conservative at 78.67%. The fundamental read remains defensive and strong, but the next re-rating trigger is likely to require margin stabilization and faster earnings conversion from the growing loan book.

BMRI reviewed result · 30 June 2026

Q2 confirms stronger earnings and efficiency.

Bank-only figures are used here so the quarterly snapshot remains consistent with the monthly series.

Earlier Q2 update
H1 net profitRp28.51T+25.0% YoY
Credit extendedRp1,591.68T+19.9% YoY
Return on equity24.28%+3.22pp YoY
Gross NPL0.98%-0.10pp YoY
NIM4.34%-0.27pp
BOPO57.59%-6.20pp
Cost-to-income35.60%-7.80pp
LDR92.73%+2.51pp
KPMM17.52%-0.83pp
Updated investment insight

BMRI’s growth accelerated across loans, earnings, and efficiency—but balance-sheet intensity rose.

H1 net profit rose 25.0% year over year, credit expanded 19.9%, and net interest income grew 8.0%. Returns and efficiency strengthened—ROA reached 3.10%, ROE 24.28%, BOPO fell to 57.59%, and CIR to 35.60%—while gross NPL improved to below 1%. My read remains positive: execution, asset quality, and operating leverage are strong. However, loan growth materially outpaced equity growth of 6.1%, consistent with LDR rising to 92.73% and KPMM declining to 17.52%. NIM stabilization, funding growth, and capital-buffer replenishment are the next key checks.

Chart focus

Select a bank to inspect its monthly series. BBNI is selected by default because it is the latest June and Q2 update.

Loan book

Credit extended

Monthly cumulative balance, trillion IDR

Earnings

Current-period net profit

Monthly cumulative earnings, trillion IDR

Data interpretation

The monthly matrix preserves the previously embedded January-May series. BBNI June and Q2 use the reviewed 1H 2026 individual-bank publication and the supplied unaudited 2Q 2025 report; NISP uses supplied unaudited consolidated statements, BBCA uses its unaudited bank-only publication, and BMRI uses reviewed bank-only publications. BBNI and NISP CASA figures are derived from reported deposit lines. For BBNI CIR, the dashboard uses the 45.18% prior-period comparator shown in the 2026 publication; the original 2Q 2025 standalone report showed 45.47%. Source-basis and comparative-presentation differences should be considered when comparing banks. Company notes are monitoring observations, not buy or sell recommendations.