Indonesian banks' pre-tax profit and revenue growth cooled in 1H2026

Figure 1. Leading Indonesian banks ranked by 1H2026 pre-tax profit

Pre-Tax Profit Growth (YoY)

1H 2026: +5.6%

1H 2025: +6.4%

Revenue Growth (YoY)

1H 2026: +1.6%

1H 2025: +4.5%

Net Interest Margin (NIM)

1H 2026: 4.09%

1H 2025: 4.28%

Cost-to-Income Ratio

1H 2026: 47.6%

1H 2025: 48.6%

Pre-Tax Profit ($, million)

Growth (YoY)

ROE

Strong growth (≥30% YoY) Negative growth (<0% YoY) ▲Profit growth accelerated YoY ▼Profit growth decelerated YoY

Note: (1) KPI cards reflect Indonesian banking industry mean across the reporting sample. Growth figures based on local currency. (2) All ranking figures are consolidated group figures for 1H2026. (3) ROE = Return on Equity . Local-currency figures converted to USD using an average exchange rate of USD 0.000058 per IDR. Source: TABInsights