Indonesia's Wealth Gap Widens: 54% of Bank Deposits Held by the Richest 0.03%

The Data: A Country Divided by Deposits

According to LPS, total public bank deposits in April 2025 reached Rp 9,075.92 trillion, a 4.3% increase from the previous year.

But here’s where it gets striking:

• Customers with savings above Rp 5 billion held Rp 4,912.59 trillion, or 54.1% of all deposits.

• Yet they represent only 144,702 accounts, roughly 0.03% of total accounts.

• Meanwhile, 98.2% of bank accounts held less than Rp 100 million.

This stark imbalance illustrates a growing concentration of wealth—despite overall growth in deposits, the rich are holding on tighter to their assets.

Middle Tier Struggles to Grow

Accounts holding between Rp 2 billion and Rp 5 billion represented only 2.9% of all accounts and made up 7.8% of the total deposit value. What's more, this segment has shown no growth in the number of accounts year-on-year.

This signals stagnation within the upper-middle class, with fewer people moving up the wealth ladder or gaining momentum in capital accumulation.

Mass Market: Big Numbers, Low Value

Despite the overwhelming 622 million+ accounts, the vast majority of depositors still operate at the lower end of the spectrum. These accounts, holding less than Rp 100 million, dominate in quantity but contribute relatively little in actual capital.

This creates a paradox for businesses: scale exists—but purchasing power doesn’t.

Implications for Business & Investment

At Satra Sinar Abadi Group, we believe this data reveals two key directions:

1. Elite Market Opportunity
   With the top 0.03% holding over 50% of the cash, personalized financial services, tailored investment solutions, and high-end products are in high demand—if you know how to reach them.

2. Mass Market Efficiency
   For consumer-facing brands like S-Select, tapping into the mass market means optimizing affordability, logistics, and digital engagement. It’s not about price—it’s about perceived value and accessibility.

Indonesia’s wealth gap continues to widen. As the rich grow richer and the mass market expands in volume but not in wealth, businesses must adapt.

It’s no longer about selling to “everyone”—it’s about knowing exactly who you’re selling to, and how they’re growing.

Looking to enter the Indonesian market with clarity and strategy?
SSA Group helps brands and investors navigate real consumer data, localize offerings, and unlock market segments that matter.

📩 Reach out to us at hello@satrasinar.com
🌐 Visit: www.satrasinar.com

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Written by
Satra Sinar Abadi Group
Empowering Market Growth & Investment Across Indonesia

Indonesia’s banking data for April 2025, released by the Indonesia Deposit Insurance Corporation (LPS), presents a revealing picture of wealth distribution in the country. While total bank savings have grown modestly year-on-year, the bulk of that wealth is clearly concentrated—among just a handful of individuals.

Let’s break down the numbers and what they mean for businesses, investors, and everyday consumers.