Indonesian State-Owned Banks' Loan-to-Deposit Ratio (LDR) in June 2025

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Viva Budy Kusnandar 23/09/2025 17:02 WIB

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Among the five Indonesian state-owned banks, BTN had the highest loan-to-deposit ratio (LDR) in June 2025, reflecting tight liquidity conditions.

Loan-to-Deposit Ratio (LDR) of 5 Indonesian State-Owned Banks (June 2025)

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Loan-to-Deposit Ratio (LDR) of 5 Indonesian State-Owned Banks (June 2025)

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Of the five members of the Himbara (Indonesian state-owned banks) group, Bank Tabungan Negara (BTN) had the highest loan-to-deposit ratio (LDR) in June 2025.

LDR is the ratio of loans or financing disbursed by a bank, compared to the total deposits or third-party funds managed by the bank.

A high LDR indicates low liquidity, where the bank's capacity to disburse new loans is increasingly tight.

Conversely, a low LDR indicates high liquidity, where the bank still holds a large amount of cash to be disbursed.

However, an excessively low LDR is also unhealthy, as it indicates that a lot of funds are "idle" or unutilized.

Based on Bank Indonesia (BI) Regulation No. 15/15/PBI/2013, the lower limit of the LDR ratio is 78% and the upper limit is 92%.

In June 2025, BTN had an LDR of 92.36%, slightly exceeding the upper limit set by BI. This indicates that BTN's liquidity is tightening.

Other Himbara members had lower LDRs, still within the BI's safe limits, ranging from 85% to 90%, as shown in the graph.

Bank Rakyat Indonesia (BRI) had the lowest LDR, at 85.52%. This figure is below the average LDR of national commercial banks, which reached 86% in June 2025.

In September 2025, Finance Minister Purbaya Yudhi Sadewa transferred government funds worth Rp200 trillion to Himbara. This injection of funds could lower the LDR of state-owned banks.

Here is the breakdown of government funds disbursed to the five state-owned banks in September 2025:

1. Bank Mandiri: Rp55 trillion

2. Bank Negara Indonesia (BNI): Rp55 trillion

3. Bank Rakyat Indonesia (BRI): Rp55 trillion

4. Bank Tabungan Negara (BTN): Rp25 trillion

5. Bank Syariah Indonesia (BSI): Rp10 trillion

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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