LPS Reports Growth in Deposits Across All Customer Segments

The Indonesia Deposit Insurance Corporation (LPS) has reported that deposit growth performance remained robust across all customer segments. As of June 2026, annual deposit growth across clearing groups ranged from 0.78% to 15.44%, indicating that the public’s saving capacity is being maintained across the board.

Deposits belonging to individuals with balances below IDR 100 million grew by approximately 5.16% year-on-year. More granularly, individual or household deposits with balances below IDR 5 million and between IDR 5 million and IDR 10 million grew by 7.36% and 10.01%, respectively. For larger tiers, customers with balances of IDR 100-200 million grew by 4.2%, IDR 200-500 million by 3.07%, IDR 500 million-1 billion by 2.32%, IDR 1-2 billion by 2.67%, and IDR 2-5 billion by 2.78%. The highest growth was recorded by customers with balances above IDR 5 billion, which surged by 15.44%, dominated by corporate funds.

Regarding financial inclusion, LPS noted that 46.5 million people across all age groups still do not have a bank account. For the productive age group, the figure stands at 15.3 million and is projected to decline to 13.5 million.

On the policy front, LPS maintained the guaranteed interest rate at 3.75% for rupiah deposits in commercial banks, 2% for foreign currency deposits, and 6.25% for deposits in rural banks (BPR). The coverage of guaranteed accounts remains above 60%, with fully guaranteed accounts up to IDR 2 billion equivalent to 696 million accounts in commercial banks and 15.5 million accounts in BPRs. As of June 2026, the proportion of commercial bank deposits with interest rates exceeding the guaranteed rate reached 34% of total deposits, with corporate deposits making up the largest share at 51%, followed by government deposits at 22%.

In terms of bank resolution, LPS completed the liquidation of seven rural banks during the first half of 2026, while 18 others remain in the liquidation process with an average resolution time of 21 months. The majority of resolved and liquidated banks faced problems due to weak governance, internal disputes, and violations of banking regulations.