OJK Reports 9.37% Growth in Bank Credit Disbursement in February

Jakarta (ANTARA) - The Financial Services Authority (OJK) recorded a 9.37% year-on-year (yoy) growth in bank credit disbursement, reaching Rp8,559 trillion in February 2026. “In February 2026, credit grew by 9.37% (yoy),” said the Executive Head of Banking Supervision at OJK, Dian Ediana Rae, during the Press Conference on the Financial Services Sector Assessment and OJK Policies from the March 2026 RDKB in Jakarta on Monday. By type of use, investment credit recorded the highest growth at 20.72% (yoy). By debtor category, corporate credit grew the most at 14.74% (yoy). In terms of ownership, credit from state-owned enterprises (BUMN) banks grew the highest at 12.78% (yoy). On the other hand, third-party funds (DPK) grew by 13.18% (yoy) to Rp10,102 trillion. Demand deposits, time deposits, and savings grew by 18.56%, 13%, and 8.12% (yoy), respectively. OJK stated that banking industry liquidity remains adequate, as reflected in the liquid assets/non-core deposit (AL/NCD) ratio of 121.29% and the liquid assets/third-party funds (AL/DPK) ratio of 27.4%. Both are still above their respective thresholds of 50% and 10%. Liquidity resilience is also supported by a liquidity coverage ratio (LCR) of 195.64%. Meanwhile, credit quality remains maintained with a gross NPL ratio of 2.17% and a net NPL of 0.83%. Loan at risk (LaR) was recorded at 9.24%. Overall, the bank’s profitability level (ROA) is 2.37%. Banking resilience also remains strong, as reflected in the capital adequacy ratio (CAR) of 25.83%. Based on the OJK Banking Survey (SBPO) for the first quarter of 2026, banking performance remains solid with managed risks. The banking confidence index also remains in the optimistic zone.