Despite ongoing global economic uncertainty, the Indonesian banking sector continued to show solid performance. As of March 2026, credit growth stood at 9.49% YOY, largely driven by investment loans, which expanded by 20.85% YOY. Third-party funds grew by 13.55% YOY, supported primarily by demand deposits, which rose by 21.37% YOY. The Loan to Deposit Ratio (LDR) was recorded at 84.64%.

The sector maintained its resilience, with a Capital Adequacy Ratio (CAR) of 25.09% and adequate liquidity levels. The Liquid Assets to Non-Core Deposits (LA/NCD) and Liquid Assets to Third-Party Funds (LA/TPF) ratios were recorded at 122.55% and 27.85%, respectively, both above their respective thresholds of 50% and 10%.

Profitability remained stable, with a Net Interest Margin (NIM) of 4.38% and Return on Assets (ROA) of 2.47%. Credit risk was kept at a manageable level, with the gross Non-Performing Loans (NPL) ratio at 2.14%, well within the 5% threshold.

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