BTPS (Bank Only) — Jul-26 Results: profit grows as provisions fall and the core retail book turns up

August 27, 2026

KEY HIGHLIGHTS

  • Jul-26 net profit IDR 118Bn, +7.2% MoM and +10.4% YoY, the strongest YoY gain of 2026. Provisions fell to IDR 39Bn from IDR 66Bn a year earlier. 7M26 profit IDR 769Bn, +2.7% YoY, RoE 13.6%.
  • Core Tepat retail financing grew 1.0% YoY to IDR 9.6Tn, its first year-on-year increase of 2026, after narrowing steadily from 3.0% down in January. Total financing IDR 11.0Tn, flat MoM and +9.9% YoY; NBFI fell 2.1% MoM.
  • Revenue has stopped shrinking, cost has not. Jul-26 revenue IDR 401Bn, +0.4% YoY, a third straight month of growth, against opex +8.8%. 7M26 cost-to-income 52.4% from 48.3%; net financing loss ratio 5.0% from 7.6%.
  • Our read: the turn is real but still thin. Credit cost did most of the work. 7M26 net profit is 57.1% of the FY26F consensus, just behind pace on a Bank Only basis. At 0.73x P/BV, right on its five-year -1SD, inexpensive against its own history. Key watch: whether retail financing keeps growing in August.

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 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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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).