Loan Analysis for the Top 4 Banks on IDX

Comparing the top 4 banking companies listed on the IDX in terms of market capitalization, total assets, and profit (not in ranked order).

• BBCA - PT Bank Central Asia Tbk
• BBRI - PT Bank Rakyat Indonesia (Persero) Tbk
• BMRI - PT Bank Mandiri (Persero) Tbk
• BBNI - PT Bank Negara Indonesia (Persero) Tbk

Although BBRI has disbursed the highest amount of loans among its peers, it also records the highest loan at risk (LAR) ratio. This may be attributed to BBRI’s core focus on microloans, which are extended to individuals or very small businesses that often lack sufficient credit history or collateral, and typically rely on inconsistent or informal income sources. As a result, this segment inherently carries a higher risk profile.

To further explore the banks’ financing asset quality — breakdown of the LAR: special mention loans, restructured loans, and non-performing loans (NPL)— visit Sectors.app and navigate to the “Management” tab in the company report.

⚠️ It is also worthy to note that the top two economic sectors from which the 4 banks receive the largest share of loan exposure are:-

🏬 Trading, restaurants & hotels

🏭 Manufacturing