Data & Statistics

In line with improving global economic performance, the Indonesian banking sector continued to post solid loan growth, rising by 10.92% (yoy) in October 2024, supported by corporation loans (16.08% yoy). Meanwhile, Third-Party Funds (TPFs or Deposits) grew by 6.74% (yoy), primarily contributed by savings growth (7.43% yoy), resulting in a Loan to Deposit Ratio (LDR) of 87.50%.

The Banking sector was well capitalized, with a CAR level of 27.02% 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 113.64% and 25.58%, respectively. 

The profitability of the banking sector remained stable, as indicated by a 4.61% Net Interest Margin (NIM) and 2.73% Return on Assets (ROA). Meanwhile, credit risk remained manageable, with gross and net NPLs at 2.20% and 0.77%, respectively, below the 5% threshold.

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