Jakarta – Indonesia’s major banks posted strong financial results in the first half of 2026, with the five banks recording the country’s largest net profits collectively generating more than Rp106 trillion in earnings during the first six months of the year.
PT Bank Rakyat Indonesia (Persero) Tbk (BRI) ranked first with net profit of around Rp31.2 trillion. It was followed by PT Bank Mandiri (Persero) Tbk with Rp30.4 trillion and PT Bank Central Asia Tbk (BCA) with Rp29.5 trillion.
The other two banks on the list were PT Bank Negara Indonesia (Persero) Tbk (BNI), which posted Rp10.8 trillion in net profit, and PT Bank Syariah Indonesia Tbk (BSI), with Rp4.16 trillion.
The results highlight the resilience of Indonesia’s banking sector amid changing economic conditions and funding cost pressures. Credit growth, stronger low-cost deposits, fee-based income, and improving asset quality were among the factors supporting the banks’ performance.
1. BRI
BRI recorded the largest net profit among the five banks, reaching Rp31.2 trillion in H1 2026. The figure represented a 17.5% year-on-year (yoy) increase from Rp26.53 trillion in the same period last year.
The profit growth was accompanied by stronger lending. As of June 2026, BRI’s total loans and financing grew 16.2% yoy to Rp1,646 trillion. The micro, small and medium enterprise (MSME) segment remained one of the key drivers of the bank’s business.
BRI President Director Hery Gunardi said the profit growth reflected both business expansion and stronger fundamentals.
“Ultimately, the combination of business growth and improved fundamentals resulted in BRI’s net profit of Rp31.2 trillion, growing by 17.5% year-on-year,” Hery said at a press conference on the bank’s second-quarter 2026 performance in Jakarta on Monday (August 31, 2026).
BRI’s total assets reached Rp2,352 trillion as of H1 2026, representing annual growth of 11.7%.
2. Bank Mandiri
Bank Mandiri ranked second with net profit of Rp30.4 trillion, representing annual growth of around 24.4%.
Mandiri’s performance was supported by credit expansion, with total lending reaching Rp1,592 trillion as of June 2026, up 19.9% yoy. Third-party funds also increased by 17.1%.
Net interest income (NII) was another key contributor to the bank’s performance, increasing by around 8%.
With its net profit only around Rp800 billion below BRI’s, Bank Mandiri remained a close contender for the top position among Indonesia’s largest banks in H1 2026.
3. BCA
PT Bank Central Asia Tbk (BCA) ranked third with consolidated net profit of around Rp29.5 trillion. The figure increased 1.72% compared with the same period last year.
BCA’s performance was supported by credit growth and stronger low-cost deposits, known as current account savings account (CASA).
As of H1 2026, BCA’s total loans reached Rp1,036 trillion, up 8% yoy. Meanwhile, third-party funds increased 7.9% to Rp1,284 trillion.
BCA’s CASA also grew 10.2% to Rp1,082 trillion, accounting for around 84.3% of the bank’s total third-party funds.
BCA President Director Hendra Lembong said disciplined management of costs, lending and CASA growth had played an important role in maintaining profit growth.
“At BCA, we continue to be disciplined about costs and credit. We also remain disciplined in terms of CASA growth, which will certainly help support the growth of our net profit,” Hendra said during a virtual press conference on Tuesday (July 28, 2026).
4. BNI
BNI ranked fourth with net profit of Rp10.8 trillion in H1 2026, representing annual growth of around 6.3%.
Credit expansion was one of the main drivers of BNI’s performance. The bank’s total lending grew 24.4% to Rp968.5 trillion.
The expansion covered several segments, including corporate, commercial, MSME and consumer banking. BNI’s net interest income also increased 14.2% to Rp22.3 trillion.
BNI President Director Putrama Wahju Setyawan said the bank was continuing to allocate resources to sectors and ecosystems with healthy growth prospects.
“Amid an increasingly dynamic business environment, BNI is directing resources toward sectors and ecosystems with healthy growth prospects. This approach allows the company to maintain asset productivity while improving the relevance of its services for customers across every segment,” Putrama said.
5. BSI
PT Bank Syariah Indonesia Tbk (BSI) rounded out the top five with net profit of around Rp4.16 trillion in H1 2026, up 11.08% yoy.
The growth was supported by higher financing, third-party funds and fee-based income. BSI’s gold-related business also emerged as one of its growth drivers.
Outstanding gold financing reached around Rp30.5 trillion, representing an 80.52% increase from the same period last year. The number of BSI customers using its gold-related services also surpassed 1.2 million.
Combined, the five banks generated more than Rp106 trillion in net profit during the first half of 2026.
BRI led the ranking, followed by Bank Mandiri, BCA, BNI and BSI.
