The winning bank has solidified its position as Indonesia’s retail banking leader through exceptional digital adoption, strong deposit growth and disciplined risk management. With 99% of retail customers active on digital channels, it has successfully transitioned to a highly digital-first banking model, enhancing convenience and engagement. Its low-cost current and savings deposit base accounts for 81.85% of total deposits, the highest among peers. At the same time, its focus on credit quality has kept non-performing loans at an industry-low, reflecting its sound risk management. For its market-leading digital transformation, deposit leadership, and financial resilience, Bank Central Asia is awarded Best Retail Bank in Indonesia.