It had been reported that the growth of Islamic banking in Indonesia outperforms its conventional partner.The assets of sharia banking grow 47.21 per cent, while its financing grow at 48.81 per cent and third-party funding at 50 per cent.

Indonesia’s sharia banking is committed in mobilising funding from community. It is shown by the number of financing-to-deposit ratio (FDR) that is always above 100 per cent. FDR is a ratio from the distributed funds to the collected funds received from the people in savings. Director General of Bank Syariah Mandiri (BSM, Indonesia’s largest sharia bank), Yuslam Fauzi, stated that with the high FDR, the shariah banking is active in distributing the funds. "Compared to the conventional banking, its FDR is lower." said Yuslam, as quoted from Republika.

The funds collected by the sharia banking are mostly channeled to the micro, small, and medium enterprises. Yuslam added that the growth of Indonesia’s shariah banking is higher that Malaysia’s The Director, Head of Group, Shariah Banking Department, Bank Indonesia (central bank), Bambang Kiswono, stated that from year to year the growth of sharia banking’s assets book fantastic records. By 31 December 2012, the assets of national shariah banking reached Rp 200 trillion (US$ 20 billion). If compared with the conventional banking, added Bambang, the FDR of shariah banking is 99.6 per cent. "This is undoubtedly the added value of sharia banking. It always plays in real sector that push for economic development of society." According to Bank Indonesia, the development of Islamic banking in Indonesia is implemented under dual banking system in compliance with the Indonesian Banking Architecture (API). Islamic banking and conventional banking systems jointly and synergically support a wider public fund mobilization in the framework of fostering financing capability of national economic sectors.