Dominated by Investment Sector, OJK: Banking Credit Grows 9.37 Percent in February 2026

The Financial Services Authority (OJK), through its Executive Head of Banking Supervision, Dian Ediana Rae, reported that banking credit distribution in February 2026 grew 9.37 percent year-on-year to Rp 8,559 trillion.

She conveyed this during a teleconference press briefing following the OJK Commissioners’ Monthly Meeting for March 2026.

She explained that, when viewed by usage type, investment credit recorded the highest growth of up to 20.72 percent year-on-year.

“Meanwhile, when viewed by debtor category, corporate credit recorded the highest growth of 14.74 percent year-on-year,” said Dian on Monday, 6 April 2026.

She added that, when viewed by ownership, state-owned enterprise credit showed the highest growth of 12.78 percent year-on-year. Meanwhile, third-party funds (DPK) also grew 13.18 percent year-on-year, reaching Rp 10,102 trillion.

“Similar growth also occurred in the current account segment, which grew 18.56 percent, deposits 13 percent, and savings 8.12 percent year-on-year,” she stated.

Meanwhile, the banking industry’s liquidity was assured to remain adequate, as reflected in the liquid assets/non-core deposit ratio (AL/NCD) of 121.29 percent and the liquid assets/third-party funds ratio (AL/DPK) of 27.4 percent.

“Both of which are still above their respective thresholds of 50 percent and 10 percent,” said Dian.

In addition, liquidity resilience was also supported by the liquidity coverage ratio (LCR) at 195.64 percent, credit quality remained maintained with a gross non-performing loan (NPL) ratio of 2.17 percent, net NPL of 0.83 percent, and loan at risk (LaR) of 9.24 percent.

“Overall, the bank’s profitability level (ROA) is 2.37 percent. Thus, the banking sector’s resilience also remains strong, as reflected in the capital adequacy ratio (CAR) of 25.83 percent,” she said.