BI Reveals Indonesian Banking Stress Test Results: Remains Resilient
Bank Indonesia (BI) has revealed that the resilience of the national banking sector remains strong in facing various risks, including the spillover effects of the ongoing war in the Middle East, supported by well-maintained corporate repayment capacity and profitability. BI continues to strengthen macroprudential policies and policy synergy with the Financial System Stability Committee (KSSK) to help maintain financial system stability.
“The resilience of the banking sector remains strong to mitigate risks from the impact of the Middle East war. This development is marked by adequate banking liquidity, maintained high capital capacity, and low credit risk,” said BI Governor Perry Warjiyo during the presentation of the Board of Governors Meeting results on Thursday (18/6/2026).
Based on BI data, the banking Capital Adequacy Ratio (CAR) in April 2026 was recorded at a high level of 23.97%, which is considered strong in absorbing risk and supporting credit growth. Perry also stated that the aggregate Non-Performing Loan (NPL) ratio remained low at 2.17% (gross) and 0.84% (net) in April 2026.
Perry further explained that banking credit growth remains strong to support further economic expansion. Banking credit in May 2026 grew by 11.51% year-on-year (yoy), higher compared to the 9.98% (yoy) growth in April 2026. “Based on the type of use, this development was supported by investment credit, working capital credit, and consumer credit, which in May 2026 grew by 21.95% (yoy), 8.09% (yoy), and 5.89% (yoy) respectively,” Perry said.
BI forecasts that credit growth in 2026 will remain in the range of 8-12%. This prospect is supported by the still-large amount of undisbursed loan facilities, amounting to Rp2,576 trillion or 22.41% of the available credit ceiling, as well as adequate bank financing capacity reflected in the Liquid Assets to Third-Party Funds (AL/DPK) ratio of 24.74% and DPK growth that remained high at 13.47% (yoy) in May 2026. “In addition, the development of banking interest rates is also expected to support the credit outlook, where in May 2026 the lending rate was recorded at 8.72% and the 1-month deposit rate at 4.26%,” Perry concluded.