Indonesia’s financial sector is entering 2025 with renewed strength, backed by solid capital expansion and disciplined lending strategies. The first half of 2025 has revealed one clear trend. Indonesia banking assets are growing across the board, with both state owned and private lenders showing steady progress. While profitability showed some variation, the expansion in total assets reflects healthy liquidity and strong loan demand nationwide.

Below is the complete ranking of the 10 largest banks by Indonesia banking assets in the first semester of 2025. Each bank has shown different strategies in growing assets, from consumer lending to corporate financing and CASA strengthening.

1. Bank Mandiri - The Largest Holder Of Indonesia Banking Assets

PT Bank Mandiri (BMRI) continues to dominate the market with Rp2,514.68 trillion in assets. Its 11.38 percent year on year growth was powered by Rp1,655.99 trillion in total lending alongside Rp1,828.48 trillion in third party funds. CASA also rose 11.31 percent. Despite a slight net profit dip to Rp24.5 trillion, Mandiri remains the strongest foundation of Indonesia banking assets.

2. Bank Rakyat Indonesia - Leader In MSME Financing

PT Bank Rakyat Indonesia (BBRI) secured second place with Rp2,106.37 trillion in assets. Its 6.52 percent growth was sustained by massive MSME lending. More than 80 percent of its Rp1,416.62 trillion loan portfolio is tied to small businesses. DPK reached Rp1,482.12 trillion, supported by strong CASA expansion. Although profit corrected slightly to Rp26.28 trillion, BRI’s strategic role remains unmatched.

3. Bank Central Asia - Highest Profitability Among Top Banks

PT Bank Central Asia (BBCA) ranked third with Rp1,504.11 trillion in assets. Its 5.52 percent growth may appear modest, but BBCA remains the most profitable player. Net profit rose to Rp29 trillion backed by 12.9 percent loan growth. CASA accounted for more than 80 percent of Rp1,190 trillion in deposits, reflecting customer loyalty. Its disciplined strategy secures its position in Indonesia banking assets leadership.

4. Bank Negara Indonesia - Fastest Asset Growth In 2025

PT Bank Negara Indonesia (BBNI) recorded Rp1,201.65 trillion in assets, rising 12.05 percent year on year. This makes BNI the fastest growing institution in the Indonesia banking assets list. Lending reached Rp778.68 trillion while DPK surged 16.51 percent. CASA jumped nearly 19 percent. Although profit dipped slightly to Rp10.09 trillion, investors view BNI’s aggressive growth positively.

5. Bank Tabungan Negara - Housing Sector Specialist With Steady Momentum

PT Bank Tabungan Negara (BBTN) came in fifth with Rp484.80 trillion in assets. Its 6.41 percent increase was supported by housing loan distribution and Rp406.38 trillion in DPK. Net profit climbed to Rp1.7 trillion. BTN remains the leading mortgage player and continues to contribute meaningfully to Indonesia banking assets diversification.

6. Bank Syariah Indonesia - Strongest Performer In Islamic Banking

PT Bank Syariah Indonesia (BRIS) reported Rp400.56 trillion in total assets. Its 10.97 percent growth confirms that Islamic banks are becoming more competitive. Total financing stood at Rp293.23 trillion while profit hit Rp3.62 trillion. BSI is now the strongest representative of the sharia segment within Indonesia banking assets.

7. CIMB Niaga - Solid Performance With Strong CASA Boost

PT Bank CIMB Niaga (BNGA) ranked seventh with Rp357.87 trillion in assets. Growth of 3.22 percent was supported by Rp231.84 trillion in loans and Rp261.89 trillion in DPK. CASA rose 10.9 percent while profit increased slightly to Rp3.51 trillion. Although growth is moderate, Niaga retains strong digital banking execution.

8. OCBC NISP - Consistent Asset Expansion With Healthy Margins

PT Bank OCBC NISP (NISP) secured eighth place with Rp295.97 trillion in assets. It delivered 11.07 percent year on year growth, one of the highest among private banks. Profit reached Rp2.57 trillion backed by 14 percent revenue increase. With strong funding discipline, OCBC NISP remains a key part of Indonesia banking assets resilience.

9. Bank Permata - Stable Expansion Despite Funding Contraction

PT Bank Permata (BNLI) reported Rp264.19 trillion in assets, growing 2.26 percent from last year. Lending reached Rp162.63 trillion. While DPK slightly contracted to Rp189.26 trillion, overall asset composition remained stable. Permata continues to focus on profitability over aggressive volume.

10. Bank Danamon - Strong Profit Upswing With Healthy Lending

PT Bank Danamon (BDMN) closed the top ten with Rp251.54 trillion in assets. Its 8.46 percent year on year growth was supported by Rp195.7 trillion in loans and Rp160.1 trillion in third party funds. Net profit rose 12 percent to Rp1.6 trillion. Danamon’s balanced strategy secures its place in the Indonesia banking assets hierarchy.

What This Ranking Means For Indonesia Banking Assets Outlook

The combined strength of these ten institutions reflects a healthy and competitive market. CASA growth remains a critical component for asset expansion, while loan distribution continues to drive long term returns. Although some banks experienced profit pressure, overall liquidity remains strong.

The second half of 2025 is expected to maintain this positive direction. With economic activity improving and credit demand rising, Indonesia banking assets are likely to continue expanding across both state owned and private players.