Amid continued global economic uncertainty, the Indonesian banking sector continued to demonstrate solid performance. As of February 2026, credit growth reached 9.37% yoy, primarily driven by investment loans, which grew by 20.72% yoy. Third-party funds grew by 13.18% yoy, mainly supported by demand deposits, which increased by 18.56% yoy. Consequently, the Loan to Deposit Ratio (LDR) was recorded at 84.72%.

The banking sector remained resilient, with a Capital Adequacy Ratio (CAR) of 25.83% and ample liquidity. The Liquid Assets to Non-Core Deposits (LA/NCD) and Liquid Assets to Third-Party Funds (LA/TPF) ratios stood at 121.29% and 27.40%, respectively, well above the respective thresholds of 50% and 10%.

Profitability indicators remained stable, with Net Interest Margin (NIM) at 4.31% and Return on Assets (ROA) at 2.37%. Credit risk was maintained at a manageable level, with gross Non-Performing Loans (NPL) ratio recorded at 2.17%, below the 5% threshold.

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