Indonesian Banks in KBMI III Show Strong Capital Adequacy Growth
Executive Summary
Key insights and market outlook
Banks categorized under KBMI III have shown significant improvement in their capital adequacy ratio (CAR), reaching 25.44% as of August 2025, up from 25.01% in August 2024. This growth enhances their potential for expansion. Notable banks like CIMB Niaga saw their CAR rise to 24.73% from 23.44%, while state-owned banks like BNI, Mandiri, and BRI experienced slight decreases in their CAR ratios.
Deep Dive Analysis
Indonesian Banks in KBMI III Demonstrate Strong Capital Adequacy
Enhanced Capital Positions
Banks classified under KBMI III have demonstrated robust capital adequacy, with their collective capital adequacy ratio (CAR) reaching 25.44% as of August 2025, representing an increase from 25.01% in August 2024. This improvement in capital positioning is expected to facilitate further expansion in the banking sector.
Varied Performance Among Major Banks
The financial performance of banks within this category showed mixed results. PT Bank CIMB Niaga Tbk successfully enhanced its CAR to 24.73% from 23.44% during the same period. In contrast, some major state-owned banks experienced a decline: BNI's CAR dropped to 21.09% from 21.83%, Mandiri's fell to 19.04% from 20.08%, and BRI's decreased to 23.01% from 24.96%. CIMB Niaga's President Director, Lani Darmawan, expressed optimism that their CAR would continue to rise by year-end.
Implications for Banking Sector
The overall growth in CAR for KBMI III banks indicates a positive trend in the banking sector's capital health. This positions these banks favorably for potential expansion and increased lending capacity. The varied performance among major banks highlights the differing strategies and outcomes within this category.
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Key Events
CAR Growth in KBMI III Banks
Varied Performance Among Major Banks