Data & Statistics

In line with improving global economic performance, the Indonesian banking sector continued to post solid loan growth, rising by 10.39% (yoy) in December 2024, supported by corporation loans (15.67% yoy). Meanwhile, Third-Party Funds (TPFs or Deposits) grew by 4.48% (yoy), primarily contributed by savings growth (6.78% yoy), resulting in a Loan to Deposit Ratio (LDR) of 88.57%.

The Banking sector was well capitalized, with a CAR level of 26.69% and ample liquidity as reflected in both Liquid Assets/Non-core Deposits (LA/NCD) and LA/Third-Party Funds (LA/TPF), which were well above the 50% and 10% thresholds at 112.87% and 25.59%, respectively. 

The profitability of the banking sector remained stable, as indicated by a 4.62% Net Interest Margin (NIM) and 2.69% Return on Assets (ROA). Meanwhile, credit risk remained manageable, with gross and net NPLs at 2.08% and 0.74%, respectively, below the 5% threshold.

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