The Indonesian banking industry continues to experience rapid growth. Out of hundreds of operating banks, only a handful manage to rank among the largest banks in Indonesia, with assets in the trillions of rupiah and extremely strong core capital. These banks not only play a crucial role in supporting national economic stability but also serve as the primary choice for the public in saving funds, applying for credit, and enjoying modern digital banking services.
Determining the best
banks in Indonesia is not solely based on asset size but also on core capital,
network, digital services, and contributions to economic development. In 2025,
the top positions are still dominated by Bank Mandiri, BRI, and BCA. These three
banks each have distinct strengths: Mandiri excels in assets, BRI is the
strongest in core capital, while BCA is the private bank with the most solid
performance growth.
In addition, there are
other major banks such as BNI, CIMB Niaga, Panin, Permata, OCBC NISP, BSI, and
SMBC Indonesia that also make it into the list of the 10 largest banks in
Indonesia. They play important roles in serving various segments, from SMEs, retail,
to large corporations.
Baca Juga: Daftar Kode Broker Saham di Indonesia Terbaru
This article will comprehensively discuss the list of the largest and best banks in Indonesia for 2025, complete with the latest assets and core capital as of June 2025.
Largest Banks in Indonesia 2025 (Based on Assets)
1. Bank Mandiri (BMRI)
Total Assets: Rp2,514.68 trillion – Core Capital: Rp297.92 trillion.Bank Mandiri is the bank with the largest assets in Indonesia. Mandiri focuses on infrastructure and large corporate financing, making it a key driver of the national economy.
2. Bank Rakyat Indonesia (BRI – BBRI)
Total Assets: Rp2,106.37 trillion – Core Capital: Rp322.07 trillion (the largest in Indonesia).BRI is known as the SME bank with an extensive network reaching remote villages. In terms of core capital, BRI remains the number one bank in Indonesia.
3. Bank Central Asia (BCA – BBCA)
Total Assets: Rp1,504.12 trillion – Core Capital: Rp261.80 trillion.BCA is the largest private bank in Indonesia. BCA's main strength lies in digital services, daily transactions, and a highly loyal retail customer base.
4. Bank Negara Indonesia (BNI – BBNI)
Total Assets: Rp1,201.65 trillion – Core Capital: Rp134.71 trillion.BNI continues to expand its international business and digital banking, particularly for the SME and corporate sectors.
5. Bank Syariah Indonesia (BSI – BRIS)
Total Assets: Rp400.57 trillion – Core Capital: Rp47.82 trillion.BSI is the largest sharia bank and the only sharia bank in the BUKU 4 category.
6. Bank CIMB Niaga (BNGA)
Total Assets: Rp357.87 trillion – Core Capital: Rp53.79 trillion.CIMB Niaga is known for its strength in the mortgage sector and is the second-largest private bank after BCA.
7. Bank Panin (PNBN)
Total Assets: Rp329.38 trillion – Core Capital: Rp47.59 trillion.Panin focuses on strengthening digital banking services to enhance competitiveness.
9. Bank OCBC NISP (NISP)
Total Assets: Rp296.16 trillion – Core Capital: Rp41.08 trillion.OCBC NISP is expanding digital services and committed to sustainable financing.
10 Bank Permata (BNLI)
Total Assets: Rp264.19 trillion – Core Capital: Rp35.68 trillion.Owned by Bangkok Bank, Bank Permata is aggressively developing digital services for corporate and retail customers.
11. Bank SMBC Indonesia
Total Assets: Rp193.25 trillion – Core Capital: Rp42.23 trillion.SMBC Indonesia focuses on large corporate financing and supports Japanese investments in Indonesia.
Best Banks in Indonesia 2025 (Based on Core Capital)
If viewed from the
perspective of core capital, BRI remains the bank with the largest core capital
in Indonesia. Core capital reflects a bank's financial strength for expansion
and resilience against risks.
List of Banks with the Largest Core Capital 2025
- Bank Rakyat Indonesia (BRI) – Rp322.07 trillion
- Bank Mandiri (BMRI) – Rp297.92 trillion
- Bank Central Asia (BCA) – Rp261.80 trillion
- Bank Negara Indonesia (BNI) – Rp134.71 trillion
- Bank CIMB Niaga (BNGA) – Rp53.79 trillion
- Bank Syariah Indonesia (BSI) – Rp47.82 trillion
- Bank Panin (PNBN) – Rp47.59 trillion
- Bank SMBC Indonesia – Rp42.23 trillion
- Bank OCBC NISP (NISP) – Rp41.08 trillion
- Bank Permata (BNLI) – Rp35.68 trillion
Conclusion
Based on the latest
data as of June 2025:
- Bank Mandiri holds the position of the
bank with the largest assets.
- BRI is the bank with the largest core
capital.
- BCA remains the largest private bank with
strong digital services.
- BSI is the largest sharia bank.
The competition among
the largest banks in Indonesia will become even fiercer in the future,
particularly in the development of digital banking and service efficiency for
customers.
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