Sector: Banking

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

• 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
• BBCA Q4 2025 Is Profit Growth Finally Running Out of Steam?Feb 03

Q3 2025

• 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

Q1 2025

• 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

Q3 2024

• BMRI Q3 2024 Mandiri's LDR Just Jumped to a Record 93% in One Quarter - Should That Worry You?Nov 06
• 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

Q1 2024

• BMRI Q1 2024 Mandiri's Profit Growth Just Fell Off a Cliff - From 33.7% to 1.1%. What Happened?May 10
• 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
• 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

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

Q1 2023

• BMRI Q1 2023 Where Did Rp108 Trillion in Deposits Go in Three Months?May 08
• BBCA Q1 2023 Is a 43% Profit Jump Too Good to Be True?May 04

Q4 2022

• 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

Q2 2022

• BBCA Q2 2022 Did Q1's Provisioning Spike Turn Out to Be Noise After All?Aug 04

Q1 2022

• BBCA Q1 2022 Restructured-Loan NPLs Rose Again in Q1 2022 - Was Q4's Profit Dip a One-Off?May 05

Q4 2021

• BBCA Q4 2021 Coverage Ratio Improved in Q4 - So Why Did Restructured-Loan NPLs Double?Feb 07

Q3 2021

• BBCA Q3 2021 Did Indonesia's Worst Covid Wave Actually Show Up in the Loan Book?Oct 25

Q2 2021

• BBCA Q2 2021 Why Did a Record-High Loan Coverage Ratio Suddenly Collapse?Jul 23

Q1 2021

• 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

Q3 2020

• 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

Q1 2020

• BBCA Q1 2020 Why Did Corporate Borrowers Draw Down 10% More Credit in Six Weeks?Jun 08

Q4 2019

• BBCA Q4 2019 The Bad-Loan Spike That Un-Happened by Year-EndFeb 25

Q3 2019

• BBCA Q3 2019 The Early-Warning Bucket Cooled the Same Quarter the Bad-Loan Ratio CrackedNov 05

Q2 2019

• BBCA Q2 2019 The Write-Off Surge That Vanished a Quarter LaterAug 05

Q1 2019

• 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

Q3 2018

• BBCA Q3 2018 The Bad-Loan Improvement Lasted Exactly One QuarterOct 25

Q2 2018

• BBCA Q2 2018 The Bad-Loan Bucket Stopped Growing - and the Multiples Finally NoticedJul 26

Q1 2018

• BBCA Q1 2018 The Bucket That "Nearly Quadrupled" Just Emptied Into the Worst OneMay 03

Q4 2017

• 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

Q2 2017

• BBCA Q2 2017 When Does a Bad-Loan Wobble Stop Being a One-Quarter Story?Jul 30

Q1 2017

• BBCA Q1 2017 Did the Bad-Loan Improvement Even Last One Quarter?May 10

Q4 2016

• BBCA Q4 2016 Did a Tax Amnesty Just Buy a Bad-Debt Problem More Time?Jan 25

Q3 2016

• BBCA Q3 2016 Four Straight Quarters of Rising Bad Debt, and the Stock Just Hit a Two-Year HighOct 26

Q2 2016

• BBCA Q2 2016 Loans are growing again. So is bad debt.Jul 20

Q1 2016

• 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

Q4 2014

• BBCA Q4 2014 When Cheap Deposits Stop Growing, What Does A Bank Do?Feb 06