OJK Assesses Bank Health in Bali to Ensure Continued Solidity
Denpasar (ANTARA) - The Financial Services Authority (OJK) Bali Province is assessing the health of banking in the Island of the Gods as of February 2026 to ensure performance remains solid, from credit quality to capitalisation.
“Credit quality in Bali Province’s banking sector remains well-maintained,” said the Head of OJK Bali, Parjiman, in Denpasar, Bali, on Thursday.
The financial services regulator revealed that the non-performing loan (NPL) rate for banks in Bali has been suppressed to 2.62%.
This achievement is better than the same period in 2025, which reached 3.13%.
Risky credits (loans at risk/LaR) also declined to 9.29% compared to the same period in 2025 at 11.94%, driven by the resolution of restructured credits and credit expansion.
Bank credit disbursements in Bali as of February 2026 reached Rp119.75 trillion, or grew by 6.47% compared to the same period in 2025 at Rp112.45 trillion.
Parjiman explained that credit growth is still driven by an increase in investment credit, which grew by Rp6.32 trillion or 17.81%, mainly supported by the tourism sector, namely accommodation and food and beverage providers, as well as real estate.
“The increase in investment credit demonstrates the banking sector’s contribution to supporting business expansion financing to boost long-term economic growth,” he added.
Meanwhile, based on debtor categories, 51.32% of credit in Bali is disbursed to MSME actors, growing 4.71%, dominated by the micro-business segment with a portion of 42.17% and small businesses at 37.43%.
Regarding capitalisation, he noted that banking in Bali remains strong despite the geopolitical crisis situation, particularly the conflict in the Middle East, which began to rage at the end of February 2026.
From the liquidity ratio (CR) perspective, the people’s economic bank (BPR) in Bali reached 14.74%, far above the minimum threshold of eight percent, and in the last three months, none have been below five percent.
The capital adequacy ratio (CAR) also remains resilient at 28.31%, far above the provisions, one of which is OJK Regulation Number 28 of 2023, at 12%.
“This serves as a strong risk mitigation buffer to anticipate global uncertainty conditions,” he said.
In addition to the intermediation function still growing, banks in Bali are also agile in mobilising public funds (DPK), with DPK mobilisation still showing positive growth of 6.05% to Rp204.59 trillion, higher than February 2025 at Rp192.91 trillion.
However, the loan-to-deposit ratio (LDR) of banks in Bali remains relatively stable, ranging around 58% since February 2025, December 2025, January 2026, and February 2026 at 58.53%.
The ideal LDR ratio according to Bank Indonesia (BI) Regulation Number 15 of 2013 is 78-92%.
“The banking intermediation function still shows a positive level,” said Parjiman.