Category: Conventional Bank
Explore all posts, stories, and insights related to the category "Conventional Bank" on Recursive Gains. Stay informed with in-depth analysis and trends.
Q2 2026
- BBCA Q2 2026 Why Is Profit Growth Grinding to a Halt While Corporate Loans Boom 14%?Jul 30
- BMRI Q2 2026 Mandiri's Revenue Fell 13% This Quarter - So Why Did Profit Jump 33%?Jul 24
Q1 2026
- BBRI Q1 2026 Every Guidance Metric Was Beaten This Quarter. The Stock Just Hit a Two-Year Low Anyway.May 06
- BMRI Q1 2026 It Lost a Quarter of the Group's Balance Sheet Overnight - So Why Did Profit Still Jump 17%?May 06
- BBCA Q1 2026 Why Did the Stock Fall 20% This Quarter Even as Profit Kept Growing?May 06
Q4 2025
- BMRI Q4 2025 Mandiri's Profit Decline Reversed in Q4 - So What Actually Changed?Feb 09
- BBRI Q4 2025 Profit Grew Again After Three Straight Declines. So Did the Riskiest Part of the Loan Book.Feb 03
- BBCA Q4 2025 Is Profit Growth Finally Running Out of Steam?Feb 03
Q3 2025
- BBRI Q3 2025 Credit Costs Are Falling. Profit Still Isn't Recovering.Nov 05
- BBCA Q3 2025 Is a 26% Stock Slide Bigger Than the Actual Slowdown?Nov 05
- BMRI Q3 2025 Mandiri's Profit Fell Again in Q3 - But This Time It Wasn't Promotion SpendingNov 04
Q2 2025
- BBCA Q2 2025 Q1's Deposit Rally Didn't Last - So Was the LDR Squeeze Ever Actually Easing?Aug 18
- BMRI Q2 2025 Mandiri's Profit Just Fell 18% in a Single Quarter - So Why Is There No Segment Note to Explain It?Aug 06
- BBRI Q2 2025 The Cost Problem Vanished - So Why Is Profit Still Falling?Aug 04
Q1 2025
- BBRI Q1 2025 Profit Fell 14% While Credit Quality Improved - So What Actually Went Wrong?May 06
- BMRI Q1 2025 Every Lending Segment Shrank Again - Is the Head Office Trick Running Out?May 06
- BBCA Q1 2025 Is the Loan-to-Deposit Squeeze Actually Easing, or Just Taking a Seasonal Breather?May 05
Q4 2024
- BMRI Q4 2024 Every Banking Segment Shrank in 2024 - So Why Did Profit Still Grow?Feb 10
- BBCA Q4 2024 Is the Bank Running Out of Cheap Deposits to Lend Against?Feb 06
- BBRI Q4 2024 FY2024 Profit Barely Moved - So Why Did Corporate Segment Income Fall By Almost Half?Feb 04
Q3 2024
- BMRI Q3 2024 Mandiri's LDR Just Jumped to a Record 93% in One Quarter - Should That Worry You?Nov 06
- BBRI Q3 2024 Is the Falling Net Credit Cost Hiding a Provisioning Problem That's Still Above Guidance?Nov 05
- BBCA Q3 2024 Did the Bad-Loan Scare Already Pass, or Just Pause?Nov 04
Q2 2024
- BMRI Q2 2024 Mandiri's Profit Growth Came Back - So Why Did the Stock Fall 15%?Aug 09
- BBCA Q2 2024 Did Ending Covid-Era Loan Relief Just Show Up in the NPL Ratio?Aug 06
- BBRI Q2 2024 Did Q2 Profit Actually Shrink While the H1 Headline Kept Climbing?Aug 05
Q1 2024
- BMRI Q1 2024 Mandiri's Profit Growth Just Fell Off a Cliff - From 33.7% to 1.1%. What Happened?May 10
- BBRI Q1 2024 Why Was the Credit Cost Ceiling Quietly Widened One Quarter Into 2024?May 06
- BBCA Q1 2024 Why Did the Capital Ratio Just Fall Off a Cliff?May 06
Q4 2023
- BBCA Q4 2023 Did the Bank's Own Numbers Finally Stop Contradicting Themselves?Feb 15
- BBRI Q4 2023 Net Cost of Credit Fell Below 1% - But Did Recoveries Just Mask a Rough Q4?Feb 06
- BMRI Q4 2023 Mandiri's Deposits Finally Caught Up in Q4 - So Why Didn't the LDR Come All the Way Back Down?Jan 31
Q3 2023
- BMRI Q3 2023 Deposits Came Back in Q3 - So Why Is Mandiri's Loan-to-Deposit Ratio Still Climbing?Nov 05
- BBCA Q3 2023 Do This Bank's Own Quarterly Numbers Actually Add Up?Nov 03
- BBRI Q3 2023 Why Did Profit Growth Stall Even As Revenue Rebounded?Nov 02
Q2 2023
- BBCA Q2 2023 Why Did Profit Growth Outrun Its Own Operating Income?Aug 06
- BMRI Q2 2023 Retail's Credit Costs Tripled, Treasury's Margin Nearly Vanished - Profit Still Rose 25%Aug 04
- BBRI Q2 2023 Why Did Core Revenue Shrink Even As Profit Kept Climbing?Aug 03
Q1 2023
- BMRI Q1 2023 Where Did Rp108 Trillion in Deposits Go in Three Months?May 08
- BBRI Q1 2023 Why Is the Cost of Funds Suddenly Rising Even As Profit Jumps 27%?May 04
- BBCA Q1 2023 Is a 43% Profit Jump Too Good to Be True?May 04
Q4 2022
- BBRI Q4 2022 Did the Record 2022 Profit Mask a Quarter of Shrinking Core Revenue?Feb 13
- BBCA Q4 2022 Two of 2022's Threads Finally Untangle, a Third Gets WorseFeb 06
- BMRI Q4 2022 NPLs Fell to 1.88%. Restructured Covid Loans Are Still 11% of the Book.Feb 03
Q3 2022
- BBCA Q3 2022 Margins Finally Widen as Corporate Lending Stalls AgainNov 10
- BBRI Q3 2022 Profit Nearly Doubled - So Why Is It Still Missing Four of Its Own Five 2022 Targets?Nov 03
- ICICIBANK Q3 2022 Why Won't ICICI Bank Say What Its Rs. 10,000 Crore Buffer Is For?Oct 22
Q2 2022
- BBRI Q2 2022 The Capital Ratio Stopped Falling - But Its Own Guidance Still Contradicts ItselfAug 05
- BBCA Q2 2022 Did Q1's Provisioning Spike Turn Out to Be Noise After All?Aug 04
Q1 2022
- BBRI Q1 2022 Profit Grew 78% - This Time Both Quarters Are Actually ComparableMay 06
- BBCA Q1 2022 Restructured-Loan NPLs Rose Again in Q1 2022 - Was Q4's Profit Dip a One-Off?May 05
Q4 2021
- BBRI Q4 2021 Profit Jumped 74% in One Quarter - Was Any of That Actually Organic?Feb 08
- BBCA Q4 2021 Coverage Ratio Improved in Q4 - So Why Did Restructured-Loan NPLs Double?Feb 07
Q3 2021
- BBRI Q3 2021 Profit Rose Through Indonesia's Deadliest Covid Quarter - But It Still Missed Its Own Credit Cost TargetOct 27
- BBCA Q3 2021 Did Indonesia's Worst Covid Wave Actually Show Up in the Loan Book?Oct 25
Q2 2021
- BBRI Q2 2021 The 180% Profit 'Growth' Is a Trick of the Calendar, Not a TurnaroundAug 06
- BBCA Q2 2021 Why Did a Record-High Loan Coverage Ratio Suddenly Collapse?Jul 23
Q1 2021
- BBRI Q1 2021 NPL Coverage Hit 254.8% a Year After Covid-19 First Hit - This Time Without the Accounting BoostMay 06
- BBCA Q1 2021 Is a 280% Coverage Ratio Actually as Safe as It Sounds?Apr 23
Q4 2020
- BBCA Q4 2020 The Restructuring Wave Guided Down Twice - Then Still UndershotFeb 08
- BBRI Q4 2020 NPL Coverage Rocketed to a Record 248% in FY2020 - But Corporate Loans Kept Getting WorseFeb 04
Q3 2020
- BBRI Q3 2020 A Record Rp9.5 Trillion Was Provisioned in Q3 - So Why Did Coverage Keep Falling?Nov 05
- BBCA Q3 2020 Is the Earnings Rebound Real, or Did the Restructuring Guidance Just Get Smaller?Nov 01
Q2 2020
- BBCA Q2 2020 Why Did Net Profit Fall Even as Restructuring Stayed 'Current'?Aug 31
- BBRI Q2 2020 Did the Capital 'Recovery' Just Mean Easing Off on Provisioning?Aug 14
Q1 2020
- BBCA Q1 2020 Why Did Corporate Borrowers Draw Down 10% More Credit in Six Weeks?Jun 08
- BBRI Q1 2020 The Capital Buffer Shrank Before a Single Covid Loan Went BadMay 15
Q4 2019
- BBCA Q4 2019 The Bad-Loan Spike That Un-Happened by Year-EndFeb 25
- BBRI Q4 2019 Did the Corporate Loan Crisis Actually Get Fixed, or Just Written Off?Feb 04
Q3 2019
- BBCA Q3 2019 The Early-Warning Bucket Cooled the Same Quarter the Bad-Loan Ratio CrackedNov 05
- BBRI Q3 2019 The Special Mention Spike Nobody Explained Just Became a DefaultNov 04
Q2 2019
- BBRI Q2 2019 The Loan-Mix Gap That Nearly Vanished Reopened - and Cash Fell 22.8% Right Behind ItAug 19
- BBCA Q2 2019 The Write-Off Surge That Vanished a Quarter LaterAug 05
Q1 2019
- BBRI Q1 2019 Two Loan Categories Spent a Year Swapping Places as the Worst - Then the Gap Between Them Nearly VanishedMay 06
- BBCA Q1 2019 Why Did a Bad-Loan Ratio That Kept Improving Suddenly Crack?May 06
Q4 2018
- BBCA Q4 2018 A Fresh Bad-Loan Record Landed the Same Year Operating Cash Flow Got Cut in HalfFeb 25
- BBRI Q4 2018 The Stock Ended the Year Flat. The Loan Book Didn't Have Nearly as Quiet a Year.Feb 08
Q3 2018
- BBRI Q3 2018 The Loan-Book Fix Lasted One Quarter. The Other Problem Never Stopped.Nov 07
- BBCA Q3 2018 The Bad-Loan Improvement Lasted Exactly One QuarterOct 25
Q2 2018
- BBRI Q2 2018 The Worst Loan Category Got Fixed. A Different One Just Took Its Place.Aug 10
- BBCA Q2 2018 The Bad-Loan Bucket Stopped Growing - and the Multiples Finally NoticedJul 26
Q1 2018
- BBRI Q1 2018 Did the Worst Loan Category Actually Improve, or Did the Definition Just Change?May 10
- BBCA Q1 2018 The Bucket That "Nearly Quadrupled" Just Emptied Into the Worst OneMay 03
Q4 2017
- BBRI Q4 2017 The Loan Category That 'Recovered' in Q1 Just Became the Worst OneFeb 05
- BBCA Q4 2017 Net Profit Grew 13% - But Only Because Loan-Loss Provisions Shrank 42%Jan 25
Q3 2017
- BBCA Q3 2017 The Early-Warning Loan Bucket Just Shrank 28% - So Why Isn't That Good News?Oct 30
- BBRI Q3 2017 The Presentation Deck Answered What the Filing Wouldn'tOct 30
Q2 2017
- BBRI Q2 2017 The Best Turnaround Story in the Loan Book Just Lost Its Only Data SourceAug 08
- BBCA Q2 2017 When Does a Bad-Loan Wobble Stop Being a One-Quarter Story?Jul 30
Q1 2017
- BBRI Q1 2017 The Loan Book That Worsened for Five Straight Quarters Just Got Dramatically BetterMay 18
- BBCA Q1 2017 Did the Bad-Loan Improvement Even Last One Quarter?May 10
Q4 2016
- BBRI Q4 2016 Full-Year Profit Grew Just 3%. Its Riskiest Loan Segment's Bad Debt Just Hit a Five-Quarter High.Feb 10
- BBCA Q4 2016 Did a Tax Amnesty Just Buy a Bad-Debt Problem More Time?Jan 25
Q3 2016
- BBRI Q3 2016 Its Core Capital Ratio Jumped 2.3 Points in One Quarter. Total Capital Barely Moved.Nov 04
- BBCA Q3 2016 Four Straight Quarters of Rising Bad Debt, and the Stock Just Hit a Two-Year HighOct 26
Q2 2016
- BBRI Q2 2016 Capital Ratios Jumped Almost Three Points This Quarter. None of It Was Earned.Aug 05
- BBCA Q2 2016 Loans are growing again. So is bad debt.Jul 20
Q1 2016
- BBRI Q1 2016 Pre-Provision Profit Grew 21%. Net Income Barely Moved. Here's the Choice Behind That GapMay 06
- BBCA Q1 2016 Equity Jumped 13% in a Quarter Loans Shrank. How Much of That Was Actually Earned?Apr 19
Q4 2015
- BBCA Q4 2015 The CASA Ratio Finally Turned Around. Profit Growth Didn't Follow.Feb 08
- BBRI Q4 2015 The Segment That Never Disappoints Just Fell 15% in One QuarterFeb 03