Data & Statistics

In line with improving global economic performance, the Indonesian banking sector continued to post solid loan growth, rising by 10.27% (yoy) in January 2025, supported by investment loans (13.22% yoy). Meanwhile, Deposits grew by 5.51% (yoy), primarily contributed by demand deposits growth (6.86% yoy), resulting in a Loan to Deposit Ratio (LDR) of 87.64%.

The Banking sector was well capitalized, with a CAR level of 27.05% 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 114.86% and 26.03%, respectively. 

The profitability of the banking sector remained stable, as indicated by a 4.50% Net Interest Margin (NIM) and 2.34% Return on Assets (ROA). Meanwhile, credit risk remained manageable, with gross and net NPLs at 2.18% and 0.79%, respectively, below the 5% threshold.

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