PT Bank Neo Commerce Tbk (BNC) has managed to record a net profit after tax (Profit After Tax/PAT) of IDR 294.85 billion. This achievement increased by 6.81 percent year-on-year (YoY) compared to Semester I 2025 of IDR 276.05 billion.
This achievement also extends BNC's profitability trend which has consistently posted profits for the past two years, reflecting positive performance supported by increasingly strong business fundamentals. In the midst of global economic dynamics which are still influenced by geopolitical uncertainty.
President Director of PT Bank Neo Commerce Tbk, Eri Budiono said that the performance results of Semester I-2026 are a reflection of the Company's focus on building a healthier business foundation as a preparation for entering the next growth phase.
"It looks safe, the financial statements are expected to survive in the second semester of 2026 and the economy will rise and we will be better than the previous year," Eri said in the BNC 2026 Gathering media, Friday, July 31.
He said that for more than five years serving customers as one of the pioneers of a bank with digital services, BNC has built experience, capabilities, and operational foundations that are increasingly mature.
"Semester I-2026 shows that our strategy to prioritize quality growth, operational efficiency, and more disciplined risk management has yielded positive results. We believe that a strong foundation is the main prerequisite for creating sustainable growth and making BNC a digital-based bank that is increasingly trusted," explained Eri.
Throughout Semester I-2026, BNC recorded total assets of IDR 17.45 trillion, while Third Party Funds (DPK) reached IDR 12.30 trillion. In the midst of the relatively tight liquidity conditions in the banking industry, BNC has maintained a healthy liquidity condition through prudent and measured liquidity management.
This is also reflected in the increasingly better composition of the Company's funds, with savings funds increasing to Rp. 3.39 trillion or growing 2.10 percent YoY compared to the same period last year, showing that customer confidence in BNC continues to be maintained.
In terms of revenue, Net Interest Income (NII) was recorded at IDR 1.11 trillion, while fee-based income increased to IDR 59.66 billion, or grew 6.77 percent YoY, indicating the growing non-interest income sources of the Company. In terms of products, various services are now increasingly in demand by the public.
One of them is the QRIS service which has experienced a significant increase in the number of transactions by 124 percent, from 119.3 million transactions in Semester I 2025 to 267.4 million transactions in Semester I 2026. Meanwhile, in terms of revenue generated from QRIS transactions, there was a jump in increase of 246 percent to Rp25.8 billion at the end of Semester I 2026 from the previous Rp7.4 billion in Semester I 2025.
The increase in the number of QRIS transactions throughout Semester I 2026 shows that BNC has become a bank with digital services that are increasingly gaining the trust of the public in transactions. Meanwhile, operational efficiency continues to improve.
The BOPO ratio improved to 82.31 percent compared to 84.81 percent in Semester I-2025, or improved by around 2.50 percent, reflecting the effectiveness of operational cost management.
The Return on Assets (ROA) ratio also increased to 3.23 percent from 3.09 percent, or up 0.14 percent YoY, indicating the Company's ability to generate profits from its assets is getting better.
In terms of asset quality, the ratio of Non Performing Loan (NPL) Gross was successfully suppressed to 2.99 percent compared to 3.10 percent in the same period last year.
The improvement in credit quality is the result of strengthening risk governance, improving the underwriting process carried out digitally, and applying the principle of prudence in the distribution of credit. BNC also further strengthens its capital structure in line with the bank's profit growth.
The Capital Adequacy Ratio (CAR) ratio increased significantly to 50.23 percent, compared to 41.27 percent in Semester I 2025 or increased by around 8.95 percent YoY. The Company's core capital also increased to IDR 4.20 trillion, growing 14.52 percent YoY.
The capital reinforcement provides greater room for the Company to support healthy and sustainable business expansion. In the distribution of credit, BNC has measurably implemented a more selective growth strategy.
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