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| Largest Banks in Indonesia 2026 |
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 2026, complete with the latest assets and core capital as of June 2026.
Largest Banks in Indonesia 2026 (Based on Assets)
1. Bank Mandiri (BMRI)
Total Assets: Rp2,528 trillion – Core Capital: Rp284 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: Rp2,250 trillion – Core Capital: Rp338 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: Rp1,660 trillion – Core Capital: Rp270 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: Rp1,461 trillion – Core Capital: Rp163 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: Rp465 trillion – Core Capital: Rp51 trillion.BSI is the largest sharia bank and the only sharia bank in the BUKU 4 category.
6. Bank CIMB Niaga (BNGA)
Total Assets: Rp381 trillion – Core Capital: Rp56 trillion.CIMB Niaga is known for its strength in the mortgage sector and is the second-largest private bank after BCA.
7. Bank OCBC NISP (NISP)
Total Assets: Rp329 trillion – Core Capital: Rp44 trillion.OCBC NISP is expanding digital services and committed to sustainable financing.
8. Bank Permata (BNLI)
Total Assets: Rp272 trillion – Core Capital: Rp45 trillion.Owned by Bangkok Bank, Bank Permata is aggressively developing digital services for corporate and retail customers.
9. Bank Panin (PNBN)
Total Assets: Rp229 trillion – Core Capital: Rp53 trillion.Panin focuses on strengthening digital banking services to enhance competitiveness.
10. Bank SMBC Indonesia
Total Assets: Rp245 trillion – Core Capital: Rp48 trillion.SMBC Indonesia focuses on large corporate financing and supports Japanese investments in Indonesia.
Best Banks in Indonesia 2026 (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 2026
- Bank Rakyat Indonesia (BRI) – Rp338 trillion
- Bank Mandiri (BMRI) – Rp284 trillion
- Bank Central Asia (BCA) – Rp270 trillion
- Bank Negara Indonesia (BNI) – Rp163 trillion
- Bank CIMB Niaga (BNGA) – Rp56 trillion
- Bank Panin (PNBN) – Rp53 trillion
- Bank Syariah Indonesia (BSI) – Rp51 trillion
- Bank SMBC Indonesia – Rp48 trillion
- Bank Permata (BNLI) – Rp45 trillion
- Bank OCBC NISP (NISP) – Rp44 trillion
Conclusion
Based on the latest
data as of June 2026:
- 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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