In line with improving global economic performance, the Indonesian banking sector continued to post solid loan growth, rising by 9.63% yoy in December 2025, supported by investment loans (20.81% yoy). Meanwhile, Deposits grew by 13.83% yoy, primarily contributed by demand deposits (19.13% yoy), resulting in a Loan to Deposit Ratio (LDR) of 85.35%.

The Banking sector was well capitalized, with a CAR level of 25.89% 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 126.15% and 28.57%, respectively.

The profitability of the banking sector remained stable, as indicated by a 4.56% Net Interest Margin (NIM) and 2.53% Return on Assets (ROA). Meanwhile, credit risk remained manageable, with gross and net NPLs at 2.05% and 0.79%, respectively, below the 5% threshold.

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