Banking Credit Reaches Rp8,559 Trillion in February 2026, Grows 9.37%
The Financial Services Authority (OJK) stated that banking credit in February 2026 grew by 9.37% to Rp8,559 trillion year-on-year. This figure is lower than the 9.96% growth recorded in January 2026.
“Based on usage type, investment credit grew the highest at 20.72%. By debtor category, corporate credit grew the highest at 14.74% year-on-year. Meanwhile, from an ownership perspective, credit from state-owned banks grew the highest at 12.78% year-on-year,” said OJK’s Executive Head of Banking Supervision Dian Ediana Rae during the March 2026 Monthly Commissioners’ Meeting Press Conference on Monday (6/4).
On the other hand, third-party funds or DPK grew by 13.18% year-on-year, down from 13.48% in January, reaching Rp10,102 trillion. Giro, deposits, and savings grew by 18.56%, 13%, and 8.12% year-on-year, respectively.
Meanwhile, Dian noted that banking industry liquidity in January 2026 remained adequate, with the non-core deposit liquid asset ratio or ILNCD at 121.29%, compared to 121.23% in January. The third-party funds liquid asset ratio or LDPK stood at 27.4%, down from 27.54% in January. Both are still above their respective thresholds of 50% and 10%. Meanwhile, the liquidity coverage ratio or LCR was at 195.64%.
“Meanwhile, credit quality remains maintained with an NPL growth ratio of 2.17%. The previous January recorded 2.14%. Then, net NPL was 0.83%, compared to 0.82% in the previous January,” Dian explained.
“Meanwhile, loan at risk or LAR was recorded at 9.24%. The previous January recorded 9.01%. Overall, the bank’s profitability level or ROA was 2.37%. The previous January recorded 2.49%,” she added.
Banking resilience is also said to remain strong. This is reflected in capital adequacy or the capital adequacy ratio of 25.83%, compared to 25.87% in the previous January. Dian stated that this achievement serves as a strong buffer for risk mitigation amid current global uncertainties.
“Based on the OJK banking business orientation survey or SBPO, the first quarter of 2026 shows that banking performance remains solid with managed risks. Meanwhile, confidence in banking performance is reflected in the banking business orientation index or IBP for the first quarter of 2026, which remains in the optimistic zone,” she said.
On the development and strengthening side in the banking sector, OJK has undertaken several initiatives. The first is launching two publications related to climate risk developments in the banking sector within the Indonesia Climate Banking Forum, namely the Climate Risk and Banking Resilience Assessment or CBRA and the Banking Sustainability Maturity Assessment Report or SMART.
The second is issuing 12 merger approvals for rural banks (BPR) and rural Islamic banks (BPRS) as part of banking consolidation during the first quarter of 2026.