KEY METRICS RATIO
Bank Name : PT Bank Central Asia Tbk (Consolidated)
Reporting Position : March 2026
(in million Rupiah)
No | Information | Period of | ||||
31 March 2026 | 31 December 2025 | 30 September 2025 | 30 June 2025 | 31 March 2025 | ||
Available Capital (amounts) | ||||||
1 | Common Equity Tier 1 (CET1) | 251,871,619 | 273,828,527 | 269,050,868 | 254,936,797 | 239,748,210 |
2 | Tier 1 | 251,871,619 | 273,828,527 | 269,050,868 | 254,936,797 | 239,748,210 |
3 | Total Capital | 262,668,352 | 284,351,775 | 279,161,270 | 265,178,159 | 249,895,706 |
Risk-Weighted Assets (amounts) | ||||||
4 | Total Risk-Weighted Assets (RWA) | 954,266,364 | 936,368,457 | 911,093,791 | 910,809,324 | 913,638,598 |
Risk-based Capital Ratios as a percentage of RWA | ||||||
5 | CET1 Ratio (%) | 26.39% | 29.24% | 29.53% | 27.99% | 26.24% |
6 | Tier 1 Ratio (%) | 26.39% | 29.24% | 29.53% | 27.99% | 26.24% |
7 | Total Capital Ratio (%) | 27.52% | 30.36% | 30.64% | 29.11% | 27.35% |
Additional CET1 buffer requirements as a percentage of RWA | ||||||
8 | Capital Conservation Buffer requirement (2.5% from RWA) (%) | 2.500% | 2.500% | 2.500% | 2.500% | 2.500% |
9 | Countercyclical Buffer Requirement (0 - 2.5% dari RWA) (%) | 0.000% | 0.000% | 0.000% | 0.000% | 0.000% |
10 | Bank G-SIB and/or D-SIB additional requirements (1% - 2.5%) (%) | 2.500% | 2.500% | 2.500% | 2.500% | 2.500% |
11 | Total of bank CET1 specific buffer requirements (%) (Row 8 + Row 9 + Row 10) | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% |
12 | CET1 available after meeting the bank's minimum capital requirements (%) | 17.53% | 20.37% | 20.65% | 19.12% | 17.36% |
Basel III Leverage Ratio | ||||||
13 | Total Basel III leverage ratio exposure measure | 1,800,957,826 | 1,739,736,652 | 1,697,586,494 | 1,651,047,540 | 1,682,143,904 |
14 | Basel III leverage ratio (%) (including the impact of any applicable temporary exemption of central bank reserves) | 13.99% | 15.74% | 15.85% | 15.44% | 14.25% |
14b | Basel III leverage ratio (%) (excluding the impact of any applicable temporary exemption of central bank reserves) | 13.99% | 15.74% | 15.85% | 15.44% | 14.25% |
14c | Basel III leverage ratio (%) (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values for SFT assets | 14.04% | 15.66% | 15.87% | 15.46% | 14.35% |
14d | Basel III leverage ratio (%) (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values for SFT assets | 14.04% | 15.66% | 15.87% | 15.46% | 14.35% |
Liquidity Coverage Ratio (LCR) | ||||||
15 | Total High-Quality Liquid Assets (HQLA) | 505,104,921 | 498,662,391 | 458,495,509 | 437,849,905 | 448,863,436 |
16 | Total net cash outflow | 164,295,292 | 160,376,849 | 149,374,726 | 149,156,949 | 146,257,922 |
17 | LCR Ratio (%) | 307.44% | 310.93% | 306.94% | 293.55% | 306.90% |
Net Stable Funding Ratio (NSFR) | ||||||
18 | Total Available Stable Funding | 1,341,689,857 | 1,328,381,341 | 1,293,639,731 | 1,271,279,239 | 1,254,908,898 |
19 | Total Required Stable Funding | 841,808,627 | 831,031,561 | 801,349,444 | 806,715,504 | 804,436,048 |
20 | NSFR Ratio (%) | 159.38% | 159.85% | 161.43% | 157.59% | 156.00% |
(in million Rupiah)
No | Description | As of 31 March 2026 |
1 | Total assets on the balance sheet in published financial statements. (Gross value before deducting impairment provision). | 1,621,038,850 |
2 | Adjustment for investment in Bank, Financial Institution, Insurance Company, and/or other entities that consolidated based on accounting standard yet out of scope consolidation based on Otoritas Jasa Keuangan | - |
3 | Adjustment for portfolio of financial asset that have underlying which already transferred to without recourse securitization asset as stipulated in OJK's statutory regulations related to Prudential Principles in Securitization Asset Activity for General Bank In the event that the underlying fi nancial asset has been deducted from the total assets in the statement of fi nancial position, the number on this line is 0 (zero) | - |
4 | Adjustment to temporary exception of Placement to Bank Indonesia in accordance Statutory Reserve Requirement (if any) | N/A |
5 | Adjustment to fiduciary asset that recognized as balance sheet based on accounting standard yet excluded from total exposure in Leverage Ratio calculation. | N/A |
6 | Adjustment to acquisition cost or sales price of financial assets regularly using trade date accounting method | - |
7 | Adjustment to qualified cash pooling transaction as stipulated in this OJK's regulation. | - |
8 | Adjustment to exposure of derivative transaction. | 1,003,950 |
9 | Adjustment to exposure of Securities Financing Transaction (SFT) as example: reverse repo transaction. | 3,990,996 |
10 | Adjustment to exposure of Off Balance Sheet transaction that already multiply with Credit Conversion Factor. | 172,176,627 |
11 | Prudent valuation adjustments in form of capital deduction factor and impairment. | (49,213,276) |
12 | Other adjustments | - |
13 | Total Exposure in Leverage Ratio Calculation | 1,748,997,147 |
(in million Rupiah)
No | Description | Period | |
As of 31 March 2026 | As of 31 December 2025 | ||
On-Balance Sheet Exposure | |||
1 | On-balance sheet exposure including collateral, but excluding derivatives and securities financing transaction (SFTs) (gross value before deducting impairment provisions) | 1,600,291,791 | 1,562,966,998 |
2 | Gross-up for derivatives collateral provided where deducted from balance sheet assets pursuant to the accounting standard | - | - |
3 | (Deductions of receivable assets for CVM provided in derivatives transactions) | - | - |
4 | (Adjustment for securities received under securities financing transactions that are recognised as an asset) | - | - |
5 | (Impairment provision those assets inline with accounting standard applied) | (30,948,109) | (30,144,220) |
6 | (Asset amounts deducted in determining Basel III Tier 1 capital and regulatory adjustments) | (15,371,189) | (15,728,106) |
7 | Total On-Balance Sheet Exposure Sum of rows 1 to 6 | 1,553,972,493 | 1,517,094,672 |
Derivative Exposure | |||
8 | Replacement cost associated with all derivatives transactions (where applicable net of eligible cash variation margin and/or with bilateral netting) | 150,223 | 165,295 |
9 | Add on amounts for PFE associated with all derivatives transactions | 961,029 | 889,967 |
10 | (Exempted central counterparty (CCP) leg of client- cleared trade exposures) | - | (554) |
11 | Adjusted effective notional amount of written credit derivatives | - | - |
12 | (Adjusted effective notional offsets and add-on deductions for written credit derivatives) | - | - |
13 | Total Derivative Exposure Sum of rows 8 to 12 | 1,111,252 | 1,054,708 |
Securities Financing Transaction (SFT) Exposure | |||
14 | Gross SFT Assets | 20,639,757 | 4,430,617 |
15 | (Netted amounts of cash payables and cash receivables of gross SFT assets) | - | - |
16 | Counterparty credit risk exposure for SFT assets refers to current exposure calculation | 3,990,996 | 806,696 |
17 | Agent transaction exposures | - | - |
18 | Total SFT Exposure Sum of rows 14 to 17 | 24,630,753 | 5,237,313 |
Other Off-Balance Sheet Exposure | |||
19 | Off-balance sheet exposure at gross notional amount (gross value before deducting impairment provision) | 510,312,487 | 489,501,093 |
20 | (Adjustment from the result of multiplying commitment payable or contingent payables with credit conversion factor and deducted with impairment provision) | (338,135,860) | (321,425,591) |
21 | (Impairment provision for off balance sheet inline with accounting standard) | (2,893,978) | (2,864,112) |
22 | Total Other Off-Balance Sheet Exposure Sum of rows 19 to 21 | 169,282,649 | 165,211,390 |
Capital and Total Exposure | |||
23 | Tier 1 Capital | 237,512,467 | 258,057,396 |
24 | Total Exposure Sum of rows 7,13,18,22 | 1,748,997,147 | 1,688,598,083 |
Leverage Ratio | |||
25 | Leverage ratio (including the impact of any applicable temporary exemption of central bank reserves) | 13.58% | 15.28% |
25a | Leverage ratio (excluding the impact of any applicable temporary exemption of central bank reserves) | 13.58% | 15.28% |
26 | National Minimum Leverage Ratio Requirement | 3.00% | 3.00% |
27 | Applicable Leverage Buffer | N/A | N/A |
Disclosures of Mean Values | |||
28 | Mean value of gross SFT assets, after adjustment for sale accounting transactions and netted of amounts of associated cash payables and cash receivables. | 14,035,197 | 13,519,709 |
29 | Quarter-end value of gross SFT assets, after adjustment for sale accounting transactions and netted of amounts of associated cash payables and cash receivables. | 20,639,757 | 4,430,617 |
30 | Total exposures (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets. | 1,742,392,587 | 1,697,687,175 |
30a | Total exposures (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT asset. | 1,742,392,587 | 1,697,687,175 |
31 | Leverage ratio (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets. | 13.63% | 15.20% |
31a | Leverage ratio (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets. | 13.63% | 15.20% |
EXPOSURE IN LEVERAGE RATIO REPORT
Bank Name : PT Bank Central Asia Tbk (Consolidated)
Reporting Position : 31 March 2026
(in million Rupiah)
No | Keterangan | As of 31 March 2026 |
1 | Total assets on the balance sheet in published financial statements. (Gross value before deducting impairment provision). | 1,673,163,267 |
2 | Adjustment for investment in Bank, Financial Institution, Insurance Company, and/or other entities that consolidated based on accounting standard yet out of scope consolidation based on Otoritas Jasa Keuangan | (7,062,805) |
3 | Adjustment for portfolio of financial asset that have underlying which already transferred to without recourse securitization asset as stipulated in OJK's statutory regulations related to Prudential Principles in Securitization Asset Activity for General Bank In the event that the underlying fi nancial asset has been deducted from the total assets in the statement of fi nancial position, the number on this line is 0 (zero) | - |
4 | Adjustment to temporary exception of Placement to Bank Indonesia in accordance Statutory Reserve Requirement (if any) | N/A |
5 | Adjustment to fiduciary asset that recognized as balance sheet based on accounting standard yet excluded from total exposure in Leverage Ratio calculation. | N/A |
6 | Adjustment to acquisition cost or sales price of financial assets regularly using trade date accounting method | - |
7 | Adjustment to qualified cash pooling transaction as stipulated in this OJK's regulation. | - |
8 | Adjustment to exposure of derivative transaction. | 1,003,950 |
9 | Adjustment to exposure of Securities Financing Transaction (SFT) as example: reverse repo transaction. | 4,909,639 |
10 | Adjustment to exposure of Off Balance Sheet transaction that already multiply with Credit Conversion Factor. | 172,558,527 |
11 | Prudent valuation adjustments in form of capital deduction factor and impairment. | (43,614,752) |
12 | Other adjustments | - |
13 | Total Exposure in Leverage Ratio Calculation | 1,800,957,826 |
LEVERAGE RATIO CALCULATION REPORT
Bank Name : PT Bank Central Asia Tbk (Consolidated)
Reporting Position : 31 March 2026
(in million Rupiah)
No | Information | Period | |
As of 31 March 2026 | As of 31 December 2025 | ||
On-Balance Sheet Exposure | |||
1 | On-balance sheet exposure including collateral, but excluding derivatives and securities financing transaction (SFTs) (gross value before deducting impairment provisions) | 1,644,432,888 | 1,606,356,129 |
2 | Gross-up for derivatives collateral provided where deducted from balance sheet assets pursuant to the accounting standard | - | - |
3 | (Deductions of receivable assets for CVM provided in derivatives transactions) | - | - |
4 | (Adjustment for securities received under securities financing transactions that are recognised as an asset) | - | - |
5 | (Impairment provision those assets inline with accounting standard applied) | (32,331,765) | (31,596,263) |
6 | (Asset amounts deducted in determining Basel III Tier 1 capital and regulatory adjustments) | (8,387,323) | (8,717,961) |
7 | Total On-Balance Sheet Exposure Sum of rows 1 to 6 | 1,603,713,800 | 1,566,041,905 |
Derivative Exposure | |||
8 | Replacement cost associated with all derivatives transactions (where applicable net of eligible cash variation margin and/or with bilateral netting) | 150,223 | 165,295 |
9 | Add on amounts for PFE associated with all derivatives transactions | 961,029 | 889,967 |
10 | (Exempted central counterparty (CCP) leg of client-cleared trade exposures) | - | (554) |
11 | Adjusted effective notional amount of written credit derivatives | - | - |
12 | (Adjusted effective notional offsets and add-on deductions for written credit derivatives) | - | - |
13 | Total Derivative Exposure Sum of rows 8 to 12 | 1,111,252 | 1,054,708 |
Securities Financing Transaction (SFT) Exposure | |||
14 | Gross SFT Assets | 21,559,336 | 5,285,513 |
15 | (Netted amounts of cash payables and cash receivables of gross SFT assets) | - | - |
16 | Counterparty credit risk exposure for SFT assets refers to current exposure calculation | 4,910,575 | 1,661,592 |
17 | Agent transaction exposures | - | - |
18 | Total SFT Exposure Sum of rows 14 to 17 | 26,469,911 | 6,947,105 |
Other Off-Balance Sheet Exposure | |||
19 | Off-balance sheet exposure at gross notional amount (gross value before deducting impairment provision) | 512,328,727 | 491,663,332 |
20 | (Adjustment from the result of multiplying commitment payable or contingent payables with credit conversion factor and deducted with impairment provision) | (339,770,200) | (323,103,489) |
21 | (Impairment provision for off balance sheet inline with accounting standard) | (2,895,664) | (2,866,909) |
22 | Total Other Off-Balance Sheet Exposure Sum of rows 19 to 21 | 169,662,863 | 165,692,934 |
Capital and Total Exposure | |||
23 | Tier 1 Capital | 251,871,619 | 273,828,527 |
24 | Total Exposure Sum of rows 7,13,18,22 | 1,800,957,826 | 1,739,736,652 |
Leverage Ratio | |||
25 | Leverage ratio (including the impact of any applicable temporary exemption of central bank reserves) | 13.99% | 15.74% |
25a | Leverage ratio (excluding the impact of any applicable temporary exemption of central bank reserves) | 13.99% | 15.74% |
26 | National Minimum Leverage Ratio Requirement | 3.00% | 3.00% |
27 | Applicable Leverage Buffer | N/A | N/A |
Disclosures of Mean Values | |||
28 | Mean value of gross SFT assets, after adjustment for sale accounting transactions and netted of amounts of associated cash payables and cash receivables. | 14,660,211 | 13,957,999 |
29 | Quarter-end value of gross SFT assets, after adjustment for sale accounting transactions and netted of amounts of associated cash payables and cash receivables. | 21,559,336 | 5,285,513 |
30 | Total exposures (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets. | 1,794,058,701 | 1,748,409,138 |
30a | Total exposures (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT asset. | 1,794,058,701 | 1,748,409,138 |
31 | Leverage ratio (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets. | 14.04% | 15.66% |
31a | Leverage ratio (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets. | 14.04% | 15.66% |
REPORT ON CALCULATION FOR QUARTERLY LIQUIDITY COVERAGE RATIO (LCR)
(in million Rupiah)
No | COMPONENTS | BANK ONLY | CONSOLIDATED | ||||||
Quarter I 2026 | Quarter IV 2025 | Quarter I 2026 | Quarter IV 2025 | ||||||
Outstanding commitment and liabilities / contractual receivables | HQLA after haircut, outstanding commitment and liabilities times run-off rate or contractual receivables times inflow rate | Outstanding commitment and liabilities / contractual receivables | HQLA after haircut, outstanding commitment and liabilities times run off rate or contractual receivables times inflow rate | Outstanding commitment and liabilities / contractual receivables | HQLA after haircut, outstanding commitment and liabilities times run off rate or contractual receivables times inflow rate | Outstanding commitment and liabilities / contractual receivables | HQLA after haircut, outstanding commitment and liabilities times run off rate or contractual receivables times inflow rate | ||
1 | Total data used in LCR calculation | 55 days | 64 days | 55 days | 64 days | ||||
HIGH QUALITY LIQUID ASSET (HQLA) | |||||||||
2 | Total High Quality Liquid Asset (HQLA) | 492,721,090 | 486,567,013 | 505,104,921 | 498,662,391 | ||||
CASH OUTFLOW | |||||||||
3 | Retail deposits and deposits from Micro and Small Business customers, consist of: | 933,746,409 | 56,353,990 | 913,287,161 | 55,119,274 | 955,192,492 | 58,018,867 | 933,774,064 | 56,695,214 |
a. Stable Deposit/Funding | 740,413,034 | 37,020,652 | 724,188,853 | 36,209,443 | 750,007,647 | 37,500,382 | 733,643,845 | 36,682,192 | |
b. Less Stable Deposit/Funding | 193,333,375 | 19,333,338 | 189,098,308 | 18,909,831 | 205,184,845 | 20,518,485 | 200,130,219 | 20,013,022 | |
4 | Wholesale Funding, consist of: | 305,123,809 | 75,467,030 | 286,608,962 | 71,063,947 | 312,512,875 | 79,334,097 | 293,746,422 | 74,824,512 |
a. Operational deposit | 279,056,593 | 64,706,483 | 260,293,775 | 60,156,086 | 280,979,122 | 65,159,459 | 261,949,604 | 60,540,946 | |
b. Non operational deposit and/or Other Non Operational liabilities | 26,067,216 | 10,760,547 | 26,315,187 | 10,907,861 | 31,533,753 | 14,174,638 | 31,796,818 | 14,283,566 | |
c. Marketable securities issued by bank (unsecured debt) | - | - | - | - | - | - | - | - | |
5 | Secured Funding | - | - | - | - | ||||
6 | Other cash outflow (additional requirement), consist of: | 547,328,358 | 81,911,201 | 535,841,334 | 71,480,456 | 549,182,179 | 82,960,934 | 538,474,981 | 72,329,207 |
a. cash outflow from derivative transaction | 32,932,898 | 32,932,898 | 24,486,786 | 24,486,786 | 32,934,157 | 32,934,157 | 24,487,008 | 24,487,008 | |
b. cash outflow from additional liquidity requirement | - | - | - | - | - | - | 0 | 0 | |
c. cash outflow from liquidation of funding | - | - | - | - | - | - | - | - | |
d. cash outflow from disbursement of loan commitment and liquidity facilities | 366,197,015 | 41,072,253 | 371,892,137 | 42,348,111 | 366,038,371 | 41,096,316 | 372,563,920 | 42,444,113 | |
e. cash outflow from other contractual liabilities related to placement of funds | - | - | - | - | - | - | - | - | |
f. cash outflow from other funding related contigencies liabilities | 141,991,008 | 1,698,613 | 136,454,504 | 1,637,652 | 142,980,289 | 1,701,099 | 137,666,685 | 1,640,718 | |
g. other contractual cash outlow | 6,207,437 | 6,207,437 | 3,007,907 | 3,007,907 | 7,229,362 | 7,229,362 | 3,757,368 | 3,757,368 | |
7 | TOTAL CASH OUTFLOW | 213,732,221 | 197,663,677 | 220,313,898 | 203,848,933 | ||||
CASH INFLOW | |||||||||
8 | Secured lending | - | - | - | - | 14,691 | 14,691 | 10,143 | 10,143 |
9 | Inflows from fully performing exposures | 42,211,185 | 20,495,694 | 38,072,993 | 17,130,573 | 47,822,657 | 23,968,648 | 42,399,826 | 19,502,599 |
10 | Other Cash Inflow | 32,034,009 | 32,034,009 | 23,959,342 | 23,959,342 | 32,035,267 | 32,035,267 | 23,959,342 | 23,959,342 |
11 | TOTAL CASH INFLOW | 74,245,194 | 52,529,703 | 62,032,335 | 41,089,915 | 79,872,615 | 56,018,606 | 66,369,311 | 43,472,084 |
TOTAL ADJUSTED VALUE 1 | TOTAL ADJUSTED VALUE 1 | TOTAL ADJUSTED VALUE 1 | TOTAL ADJUSTED VALUE 1 | ||||||
12 | TOTAL HQLA | 492,721,090 | 486,567,013 | 505,104,921 | 498,662,391 | ||||
13 | NET CASH OUTFLOWS | 161,202,518 | 156,573,762 | 164,295,292 | 160,376,849 | ||||
14 | LCR (%) | 305.65% | 310.76% | 307.44% | 310.93% | ||||
Information:
1 Adjusted values are calculated after the imposition of a reduction in value (haircut), run-off rate, and inflow rate as well as the maximum limit for HQLA components, for example the maximum limit for HQLA Level 2B and HQLA Level 2 and the maximum limit of cash inflows can be taken into account in LCR. The outstanding value of Quarter I 2026 is the average LCR during the working days of Jan 2026 to Mar 2026 (55 data points), while Quarter IV 2025 is the average LCR during the working days of Oct 2025 to Dec 2025 (64 data points).
The calculation of the Liquidity Coverage Ratio above is based on POJK No. 42/POJK.03/2015 concerning the Obligation to Fulfill the Liquidity Coverage Ratio for Commercial Banks, POJK No. 19 of 2024 concerning Amendments to the POJK No. 42/POJK.03/2015 on the Obligation to Fulfill the Liquidity Coverage Ratio for Commercial Banks, and POJK No. 37/POJK.03/2019 concerning Transparency and Publication of Bank Reports and is presented in accordance with SE OJK No. 9/SEOJK.03/2020 concerning Transparency and Publication of Conventional Commercial Bank Reports.
QUARTERLY LIQUIDITY COVERAGE RATIO (LCR) REPORT Analysis for Bank OnlyThe calculation of BCA's Liquidity Coverage Ratio (Bank Only) for Quarter I 2026 is based on the average daily position from January 2026 until March 2026. Meanwhile, the calculation for Quarter IV 2025 is based on the average daily position from October 2025 until December 2025.
BCA's Liquidity Coverage Ratio (Bank Only) for Quarter I 2026 decreased by 5.11%, from 310.76% (Quarter IV 2025) to 305.65% (Quarter I 2026). Such decrease in ratio was particularly due to an increase in Net Cash Outflow (NCO) after run-off by 2.96% (Rp4.63 trillion) which was higher than an increase in weighted value of HQLA by 1.26% (Rp6.15 trillion). The increase in NCO after run-off was mainly caused by the increased in funding from retail, micro and small businesses, as well as corporate customers amounted to Rp5.64 trillion, the increased in other contractual cash outflow (dividen and borrowing) amounted to Rp3.20, the decreased in unused loan facilities amounted to Rp1.28 trillion and the increased in inflows from fully performing exposures ≤ 30 days amounted to Rp3.37 trillion. Meanwhile, the increase in HQLA was particularly driven by the increase in HQLA securities amounted to Rp5.00 trillion, the increase in Coins and Banknotes amounted to Rp3.94 trillion, and the decrease in placement with BI amounted to Rp3.28 trillion.
In terms of composition, BCA's HQLA for Quarter I 2026 is comprised of Level 1 HQLA of 97.46%; Level 2A HQLA of 1.71%; and level 2B HQLA of 0.83%. Of the total Level 1 HQLA, the proportion was dominated by marketable securities issued by the Indonesian government and BI of 82.24% and placement with Bank Indonesia of 12.83%, respectively.
BCA's third party deposits composition during Quarter I 2026 was mainly contributed by CASA at around 84.85%. The composition can be seen on the Table 1 below:
Table 1. BCA's funding composition (Bank Only) during Quarter I 2026.Total Rp & Va
Current Account
35,90%
Savings Account
48,95%
CASA
84,85%
Time Deposit
15,15%
Total
100%
BCA's derivative exposure mainly came from FX Swap Buy-Sell USD transactions by an average of USD 410.23 million.
In managing its liquidity, the Bank has properly identified, measured, monitored and controlled its liquidity risk. Apart from the LCR ratio, the Bank also monitors condition and sufficiency of liquidity through cash flow projection report, NSFR report and other liquidity ratios. The Bank has established a limit, early warning indicators, contingency funding plan and recovery plan related to liquidity risk.
Analysis on a Consolidated BasisThe calculation of BCA's Liquidity Coverage Ratio (Consolidated) for Quarter I 2026 is based on the average daily position from January 2026 until March 2026. Meanwhile, the calculation for Quarter IV 2025 is based on the average daily position from October 2025 until December 2025, respectively.
BCA's Liquidity Coverage Ratio (Consolidated) for Quarter I 2026 decreased by 3.49%, from 310.93% (Quarter IV 2025) to 307.44% (Quarter I 2026). Such decrease in ratio was particularly due to an increase in weighted value of Net Cash Outflow (NCO) after run-off by 2.44% (Rp3.92 trillion) which was higher than an increase in HQLA by 1.29% (Rp6.44 trillion). The increase in NCO after run-off was mainly caused by the increased in other contractual cash outflow (dividen and borrowing) amounted to Rp3.47. Meanwhile, the increase in HQLA was particularly driven by the increase in HQLA securities amounted to Rp5.22 trillion, the increase in Coins and Banknotes amounted to Rp3.95 trillion and the decrease in placement with BI amounted to Rp3.30 trillion.
In terms of composition, BCA's HQLA for Quarter I 2026 is comprised of Level 1 HQLA of 96.85%; Level 2A HQLA of 2.26%; and Level 2B HQLA of 0.89%. Of the total HQLA Level 1, the proportion was dominated by marketable securities issued by the Indonesian government and BI of 82.28% and placement with Bank Indonesia of 12.87%, respectively.
BCA's third party deposits composition during Quarter I 2026 was mainly contributed by CASA at around 83.92%. The composition can be seen on the Table 2 below:
Table 2. BCA's Funding Composition (Consolidated) for Quarter I 2026Total Rp & Va
Current Account
35,31%
Savings Account
48,61%
CASA
83,92%
Time Deposit
16,08%
Total
100%
BCA's derivative exposure mainly came from FX Swap Buy-Sell USD transactions by an average of 410.23 million.
In managing its liquidity, the Bank has properly identified, measured, monitored and controlled its liquidity risk. Apart from the LCR ratio, the Bank also monitors condition and sufficiency of liquidity through cash flow projection report, NSFR report and other liquidity ratios. The Bank has established a limit, early warning indicators, contingency funding plan and recovery plan related to liquidity risk.
ASF Component | Reporting Position (Dec 2025) | Reporting Position (Mar 2026) | |||||||||
Carrying Value Based on Residual Maturity (in million Rp) | Weighted Value | Carrying Value Based on Residual Maturity (in million Rp) | Weighted Value | ||||||||
Non-specified Maturity | < 6 Months | ≥ 6 Months - < 1 Year | ≥ 1 Year | Non-specified Maturity | < 6 Months | ≥ 6 Months - < 1 Year | ≥ 1 Year | ||||
1 | Capital | ||||||||||
2 | Regulatory Capital as per POJK KPMM | 283,913,331 | - | - | 59,583 | 283,972,915 | 263,282,981 | - | - | 56,333 | 263,339,315 |
3 | Other capital instruments | - | - | - | - | - | - | - | - | - | - |
4 | Retail deposits and deposits from micro and small business customers: | ||||||||||
5 | Stable Deposits | 582,671,305 | 157,996,863 | - | - | 703,634,760 | 594,647,128 | 160,900,716 | - | - | 717,770,452 |
6 | Less Stable Deposits | 180,859,021 | 3,536,240 | - | - | 165,955,735 | 197,550,469 | 613,887 | - | - | 178,347,920 |
7 | Wholesale Funding | ||||||||||
8 | Operational deposits | 271,206,831 | - | - | - | 135,603,416 | 285,691,242 | - | - | - | 142,845,621 |
9 | Other wholesale funding | 446,474 | 26,890,564 | - | - | 12,883,541 | 398,178 | 25,720,946 | - | - | 12,576,560 |
10 | Liabilities with matching interdependent assets | - | - | - | - | - | - | - | - | - | - |
11 | Other liabilities and equity: | ||||||||||
12 | NSFR derivative liabilities | - | - | - | 111,491 | - | - | ||||
13 | All other liabilities and equity not included in the above categories | 80,334 | 38,663,809 | 260,941 | 168,669 | 299,140 | 76,863 | 60,599,402 | 312,611 | 436,520 | 592,826 |
14 | TOTAL ASF | 1,302,349,506 | 1,315,472,694 | ||||||||
RSF Component | Reporting Position (Dec 2025) | Reporting Position (Mar 2026) | |||||||||
Carrying Value Based on Residual Maturity (in million Rp) | Weighted Value | Carrying Value Based on Residual Maturity (in million Rp) | Weighted Value | ||||||||
Non-specified Maturity | < 6 Months | ≥ 6 Months - < 1 Year | ≥ 1 Year | Non-specified Maturity | < 6 Months | ≥ 6 Months - < 1 Year | ≥ 1 Year | ||||
15 | Total NSFR HQLA | 23,563,612 | 20,989,291 | ||||||||
16 | Deposits held at other financial institutions for operational purposes | 5,093,401 | - | - | - | 2,546,701 | 7,711,515 | - | - | - | 3,855,758 |
17 | Performing loans and securities | ||||||||||
18 | to financial institutions secured by Level 1 HQLA | - | 608,609 | - | - | 60,861 | - | 20,483,783 | - | - | 2,048,378 |
19 | to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions | - | 33,806,561 | 24,467,241 | 30,663,664 | 47,968,269 | - | 41,113,329 | 35,383,977 | 32,096,224 | 55,955,212 |
20 | to non- financial corporate clients, retail and small business customers, government of Indonesia, other sovereigns, Bank Indonesia, other central banks and pubic service entities, of which: | - | 198,667,639 | 123,000,585 | 437,115,351 | 532,382,160 | - | 209,237,560 | 115,138,732 | 435,948,317 | 532,744,216 |
21 | meet a risk weight of less than or equal to 35% under SE OJK ATMR for credit risk | - | 520,000 | 1,740,000 | 19,363,578 | 13,716,326 | - | 510,000 | 2,000,000 | 18,723,716 | 13,425,415 |
22 | Unpledged residential mortgages, of which: | - | 8,513 | 18,502 | 1,373,245 | 1,180,766 | - | 8,570 | 19,416 | 1,407,585 | 1,210,441 |
23 | meet a risk weight of less than or equal to 35% under SE OJK ATMR for credit risk | - | 372,992 | 1,095,906 | 78,334,349 | 51,651,776 | - | 386,916 | 983,060 | 78,363,342 | 51,621,160 |
24 | Securities that are unpledged, not in default and do not qualify as HQLA, including exchange-traded equities | - | 30,202,832 | 1,592,235 | 8,155,315 | 22,829,551 | - | 30,243,537 | 1,568,247 | 10,174,852 | 24,554,516 |
25 | Assets with matching interdependent liabilities | - | - | - | - | - | - | - | - | - | - |
26 | Other assets: | ||||||||||
27 | Physical traded commodities, including gold | - | - | - | - | ||||||
28 | Cash, securities and other assets posted as initial margin for derivative contracts or contributions to default funds of central counterparty (CCPs) | - | - | - | - | ||||||
29 | NSFR derivative assets | 18,473 | 18,473 | - | - | ||||||
30 | 20% NSFR derivative liabilities before deduction of variation margin posted | - | - | 22,298 | 22,298 | ||||||
31 | All other assets not included in the above categories | 11,024 | 48,292,520 | 790,568 | 55,939,894 | 105,031,817 | 53,942 | 39,281,480 | 713,972 | 56,345,297 | 96,394,692 |
32 | Off-balance sheet items | 489,501,093 | 19,314,984 | 510,312,488 | 19,774,125 | ||||||
33 | TOTAL RSF | 820,265,295 | 822,595,501 | ||||||||
34 | Net Stable Funding Ratio (%) | 158.77% | 159.92% | ||||||||
Based on the calculation, the value of Net Stable Funding Ratio (NSFR) - Bank Only as of 31 Mar 2026 increased by 1.15% when compared to the period of 31 Dec 2025; namely from 158.77% (as of 31 Dec'25) to 159,92% (31 Mar'26). The increase in the NSFR value was due to the increase in the Available Stable Funding (ASF) component of 1.01% (Rp13.12 trillion) which was greater than the increase in the Required Stable Funding (RSF) component of 0.28% (Rp2.33 trillion). The increase in the ASF component was mainly due to the increase in weighted value of deposits provided by retail customers and funding provided by micro and small business customers as well as wholesale funding of Rp33.46 trillion and the decrease in the regulatory capital of Rp20.63 trillion. Meanwhile, the increase in the RSF component was mainly due to the increase in loans classified as current and under special mention (performing loans) and securities not in default amounting to Rp11.77 trillion and the decrease in other assets amounting to Rp8.63 trillion.
The NSFR ratio of BCA on an individual basis currently meets the minimum requirement of 100%. It was supported by a fairly large composition of stable funds (59.70%). The composition of Third Party Funds and Bank Funds can be seen in Table 1 below.
Table 1. Composition of Third Party Funds and Bank Funds - Bank Only as of Mar 31, 2026Categories | % | |
1. Retail | ||
Stable Funds |
| 39.18% 12.43% |
2. Micro and Small Business Customers | ||
| 7.81% 0.28% | |
Total Stable Funds | 59.70% | |
Unstable | 1. Retail | 14.34% |
Fund | 2. Micro and Small Business Customers | 1.32% |
Total Unstable Funds | 15.66% | |
Total Operational Deposits | 22.58% | |
Total Non-Operational Deposits | 2.06% | |
Total Third Party Funds and Bank Funds | 100.00% | |
ASF Component | Reporting Position (Dec 2025) | Reporting Position (Mar 2026) | |||||||||
Carrying Value Based on Residual Maturity (in million Rp) | Weighted Value | Carrying Value Based on Residual Maturity (in million Rp) | Weighted Value | ||||||||
Non-specified Maturity | < 6 Months | ≥ 6 Months - < 1 Year | ≥ 1 Year | Non-specified Maturity | < 6 Months | ≥ 6 Months - < 1 Year | ≥ 1 Year | ||||
1 | Capital | ||||||||||
2 | Regulatory Capital as per POJK KPMM | 293,010,153 | - | - | 59,583 | 293,069,736 | 270,999,341 | - | - | 56,333 | 271,055,675 |
3 | Other capital instruments | - | - | - | - | - | - | - | - | - | - |
4 | Retail deposits and deposits from micro and small business customers: | ||||||||||
5 | Stable Deposits | 585,669,995 | 158,055,147 | - | - | 706,538,885 | 597,732,453 | 160,977,467 | - | - | 720,774,424 |
6 | Less Stable Deposits | 181,069,527 | 7,531,382 | - | - | 169,740,818 | 197,798,901 | 4,792,123 | - | - | 182,331,921 |
7 | Wholesale Funding | ||||||||||
8 | Operational deposits | 281,509,127 | - | - | - | 140,754,564 | 297,374,640 | - | - | - | 148,687,320 |
9 | Other wholesale funding | 460,287 | 40,845,454 | - | - | 17,847,769 | 411,005 | 39,052,203 | - | 458,333 | 18,113,460 |
10 | Liabilities with matching interdependent assets | - | - | - | - | - | - | - | - | - | - |
11 | Other liabilities and equity: | ||||||||||
12 | NSFR derivative liabilities | - | - | - | - | - | - | ||||
13 | All other liabilities and equity not included in the above categories | 210,763 | 28,526,164 | 260,941 | 168,669 | 429,569 | 211,117 | 60,841,345 | 312,611 | 436,520 | 727,058 |
14 | TOTAL ASF | 1,328,381,341 | 1,341,689,857 | ||||||||
RSF Component | Reporting Position (Dec 2025) | Reporting Position (Mar 2026) | |||||||||
Carrying Value Based on Residual Maturity (in million Rp) | Weighted Value | Carrying Value Based on Residual Maturity (in million Rp) | Weighted Value | ||||||||
Non-specified Maturity | < 6 Months | ≥ 6 Months - < 1 Year | ≥ 1 Year | Non-specified Maturity | < 6 Months | ≥ 6 Months - < 1 Year | ≥ 1 Year | ||||
15 | Total NSFR HQLA | 24,998,365 | 22,471,196 | ||||||||
16 | Deposits held at other financial institutions for operational purposes | 5,330,109 | - | - | - | 2,665,055 | 8,080,029 | - | - | - | 4,040,015 |
17 | Performing loans and securities | ||||||||||
18 | to financial institutions secured by Level 1 HQLA | - | 1,220,430 | - | - | 122,043 | - | 20,967,832 | - | - | 2,096,783 |
19 | to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions | - | 37,295,659 | 24,569,040 | 31,869,408 | 49,748,277 | - | 44,527,627 | 35,485,524 | 33,175,564 | 57,597,471 |
20 | to non- financial corporate clients, retail and small business customers, government of Indonesia, other sovereigns, Bank Indonesia, other central banks and pubic service entities, of which: | - | 200,265,884 | 126,092,133 | 456,487,776 | 551,193,618 | - | 211,221,851 | 118,631,530 | 455,425,969 | 552,038,764 |
21 | meet a risk weight of less than or equal to 35% under SE OJK ATMR for credit risk | - | 520,000 | 1,740,000 | 19,363,578 | 13,716,326 | - | 510,000 | 2,000,000 | 18,723,716 | 13,425,415 |
22 | Unpledged residential mortgages, of which: | - | 37,486 | 23,143 | 3,058,842 | 2,630,330 | - | 15,288 | 35,652 | 3,172,490 | 2,722,087 |
23 | meet a risk weight of less than or equal to 35% under SE OJK ATMR for credit risk | - | 372,992 | 1,095,906 | 78,334,349 | 51,651,776 | - | 386,916 | 983,060 | 78,363,342 | 51,621,160 |
24 | Securities that are unpledged, not in default and do not qualify as HQLA, including exchange-traded equities | - | 31,157,342 | 1,945,068 | 10,295,878 | 25,302,701 | - | 31,293,938 | 1,971,910 | 12,321,624 | 27,106,305 |
25 | Assets with matching interdependent liabilities | - | - | - | - | - | - | - | - | - | - |
26 | Other assets: | ||||||||||
27 | Physical traded commodities, including gold | - | - | - | - | ||||||
28 | Cash, securities and other assets posted as initial margin for derivative contracts or contributions to default funds of central counterparty (CCPs) | - | - | - | - | ||||||
29 | NSFR derivative assets | 18,473 | 18,473 | - | - | ||||||
30 | 20% NSFR derivative liabilities before deduction of variation margin posted | - | - | - | - | ||||||
31 | All other assets not included in the above categories | 11,024 | 38,547,054 | 808,739 | 50,265,316 | 89,629,945 | 53,942 | 37,316,442 | 729,954 | 50,789,745 | 88,890,083 |
32 | Off-balance sheet items | 491,663,332 | 19,354,654 | 512,328,728 | 19,799,349 | ||||||
33 | TOTAL RSF | 831,031,561 | 841,808,627 | ||||||||
34 | Net Stable Funding Ratio (%) | 159.85% | 159.38% | ||||||||
Based on the calculation, the value of Net Stable Funding Ratio (NSFR) - Consolidated as of 31 Mar 2026 decreased by 0.47% when compared to the period of 31 Dec 2025; namely from 159.85% (as of 31 Dec'25) to 159.38% (as of 31 Mar'26). The decrease in the NSFR value was due to the increase in the Required Stable Funding (RSF) component of 1.30% (Rp10.78 trillion) which was greater than the increase in the Available Stable Funding (ASF) component of 1.00% (Rp13.31 trillion). The increase in the RSF component was mainly due to the increase in loans classified as current and under special mention (performing loans) amounting to Rp10.44 trillion. Meanwhile, the increase in the ASF component was mainly due to the increase in weighted value of deposits provided by retail customers and funding provided by micro and small business customers as well as wholesale funding of Rp35.03 trillion and the decrease in the regulatory capital of Rp22.01 trillion.
The NSFR ratio of BCA on a consolidated basis currently meets the minimum requirement of 100%. It was supported by a fairly large composition of stable funds (58.51%). The composition of Third Party Funds and Bank Funds can be seen in Table 1 below.
Table 1. Composition of Third Party Funds and Bank Funds - Consolidated as of Mar 31, 2026Categories | % | |
1. Retail | ||
Stable Funds |
| 38,44% 12,14% |
2. Micro and Small Business Customers | ||
| 7,65% 0,28% | |
Total Stable Funds | 58.51% | |
Unstable | 1. Retail | 14,26% |
Fund | 2. Micro and Small Business Customers | 1,36% |
Total Unstable Funds | 15.62% | |
Total Operational Deposits | 22.93% | |
Total Non-Operational Deposits | 2.94% | |
Total Third Party Funds and Bank Funds | 100.00% | |