{
    "success": true,
    "data": {
        "id": 1640067,
        "msgid": "moodys-changes-outlook-for-5-banks-perbanas-assures-stable-conditions-1774684278",
        "date": "2026-03-28 13:58:30",
        "title": "Moody's Changes Outlook for 5 Banks, Perbanas Assures Stable Conditions",
        "author": "Sakina Rakhma Diah Setiawan",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Banking",
        "summary": "Perbanas has stated that Moody's downgrade of the outlook for five major Indonesian banks does not indicate a deterioration in the national banking sector's fundamentals. Key indicators such as credit growth exceeding 9% year-on-year, third-party funds rising over 13%, and solid liquidity ratios demonstrate the sector's strength, particularly among state-owned banks (Himbara). This resilience aligns with Bank Indonesia's assessment of financial system stability into early 2026, viewing the Moody's action as a cautionary signal regarding future economic policy risks.",
        "content": "<p>JAKARTA, KOMPAS.com - The National Banks Association (Perbanas)\nassesses that the downgrade of the outlook for several Indonesian banks\nby Moody\u2019s does not reflect a decline in the fundamental condition of\nthe national banking sector.<\/p>\n<p>OCE Perbanas Chief Economist Dzulfian Syafrian stated that various\nkey indicators show that the foundation of the performance of the\nnational banking sector, particularly those included in the State-Owned\nBanks Association (Himbara), remains very strong.<\/p>\n<p>The downgrade of the outlook for five major banks by Moody\u2019s more\nindicates a signal of caution towards potential future risks, especially\nrelated to the effectiveness and governance of national economic\npolicies.<\/p>\n<p>He detailed several key indicators of the national banking sector\nthat remain solid.<\/p>\n<p>This is reflected in the banking performance from the aspects of\nintermediation, asset quality, capitalisation, and liquidity, which\nremain well-maintained.<\/p>\n<p>Up to December 2025, credit growth was recorded above 9% year-on-year\n(yoy), while third-party funds (DPK) grew more than 13% yoy.<\/p>\n<p>In addition, liquidity indicators such as the Liquidity Coverage\nRatio (LCR) are also at safe levels, reflecting the banking sector\u2019s\nresilience in terms of short-term funding.<\/p>\n<p>\u201cAggregately, the fundamentals of Indonesian banking remain very\nstrong,\u201d said Dzulfian.<\/p>\n<p>He added that this resilience in the banking sector is also in line\nwith Bank Indonesia\u2019s assessment, which affirms that financial system\nstability remains strong until early 2026.<\/p>\n<p>\u201cSo, from both the micro-banking perspective and the macro-financial\nsystem, the foundation of our banking and financial system remains\nsolid,\u201d he explained.<\/p>\n<p>Specifically for the Himbara group, Dzulfian noted that performance\nstill shows strong resilience.<\/p>\n<p>Himbara banks\u2019 credit growth is double-digit, even recorded higher\nthan the industry average.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/moodys-changes-outlook-for-5-banks-perbanas-assures-stable-conditions-1774684278",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}