Banks Rely on Deposits to Boost Third-Party Funds

The Financial Services Authority (OJK) reported that third-party funds (DPK) in the banking sector recorded positive growth up to June 2026. The value of DPK reached Rp10,281 trillion, an increase of 10.21% year-on-year (yoy).

Chair of the OJK Board of Commissioners, Friderica Widyasari Dewi, stated that this growth was supported by increases across all DPK components, namely current accounts, savings, and deposits. “Banking DPK grew 10.21% year-on-year to Rp10,281 trillion,” Kiki said during a press conference on the results of the Financial System Stability Committee (KSSK) periodic meeting on Monday (3/8/2026).

In detail, current accounts grew by 9.9% yoy, savings increased by 8.25% yoy, while deposits recorded the highest growth at 12.16% yoy. On the other hand, the OJK assessed that the liquidity condition of the banking industry remains adequate. This is reflected in the loan-to-deposit ratio (LDR), which stood at 88.32% in June 2026.

Furthermore, the ratio of liquid assets to non-core deposits (AL/NCD) was recorded at 101.9%, while the ratio of liquid assets to third-party funds (AL/DPK) reached 23.08%. Both ratios remain well above the respective thresholds of 50% and 10%. “Therefore, the liquidity condition of the banking sector in June 2026 remains adequate,” Kiki said.

In line with this, the capitalisation of the banking industry also remains strong. The OJK recorded the banking sector’s capital adequacy ratio (CAR) at 23.7% in June 2026, providing sufficient room for the industry to support future credit growth.