BNGA (Bank Only) — Jul-26 Results: the year’s biggest provision charge halves net profit while NII improves

August 26, 2026

KEY HIGHLIGHTS

  • Jul-26 net profit IDR 263Bn, -45.3% MoM and -40.6% YoY, a two-year low. Provisions did it: IDR 386Bn against IDR 227Bn in June. Softer non-II and higher costs took PPOP down 13.5%. Equity barely moved, so single-month RoE fell in step, to 6.1% from 11.2%.
  • The provision jump is a reserve rebuild. Write-offs cut allowances to IDR 4.2Tn from IDR 8.1Tn, thinning cover to 1.8% of loans from 3.5%. Management raised FY26 credit-cost guidance to 1.1%-1.4%; June and July are the first months at that rate, against IDR 89Bn in Jan-May.
  • NII IDR 1.0Tn, the strongest month of 2026, lifting single-month NIM to 3.7% from 3.6%, though CIR climbed to 50.4%. Loans IDR 231Tn, +7.8% YoY; CASA 73.2%, LDR 89.2%.
  • Our read: revenue is turning, credit is not. 7M26 profit is 48.6% of FY26F (Bank Only), behind pace; RoE 11.2% from 13.1%. At 0.75x P/BV, on its mean, fair not cheap. Key watch: whether the June-July provision run-rate holds through 2H26.

Regards, Aldiracita Research

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Menara Tekno Lt. 9 Jl. Fachrudin No. 19 Jakarta Pusat 10250

Phone: 021-39705858

Customer Service (WhatsApp): +6288801010088

Email: [email protected]

Subsidiaries :
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Menara Tekno Lt. 9 Jl. Fachrudin No. 19 Jakarta Pusat 10250

Phone: (021)-39725678

©Copyright 2024, PT Aldiracita Sekuritas Indonesia

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Anindita Cintasya

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Anindita Cintasya is an experienced finance and investment professional specializing in debt capital markets. With a Bachelor’s degree in Business Administration from Universitas Indonesia (2007), she has built a strong career in investment banking, holding key roles at PT Aldiracita Sekuritas Indonesia, CIMB Niaga Sekuritas, and CGS-CIMB Sekuritas Indonesia. She holds multiple certifications, including a Risk Management Competency Certification and WPPE license, demonstrating her expertise in capital market regulations. Currently serving as VP Debt Capital Market – Investment Banking Associate at PT Aldiracita Sekuritas Indonesia, she has a proven track record of managing and coordinating debt issuance processes.

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Mindo Leona Christina earned her Bachelor’s degree in Public Relations from Institut Ilmu Sosial dan Politik Jakarta in 2000. She joined Aldira in 2021 as Vice President of Fixed Income Sales and has been serving as President Director since 2025. With over 20 years of experience in Indonesia’s capital market, she specializes in Fixed Income. She also holds a capital market license as a Broker-Dealer Representative.

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Hari received his degree from the Faculty of Economics, University of Indonesia in 1988. He became the Independent Commissioner of PT Aldiracita Sekuritas Indonesia on 24 March 24 2023. He began his work in the financial industry in 1976 at a foreign bank in Jakarta and later worked for a security company in the capital market. Having worked in the financial market for over 30+ years, Hari has held positions as a President Director, Directors and Senior Manager. He is currently an competency assessor for Lembaga Sertifikasi Profesi Pasar Modal Indonesia (LSPPMI).