OJK Reports Bank Credit Growth Accelerates to 12.67% in June 2026

Jakarta - The Financial Services Authority (OJK) reported that banking intermediation remained contributive through June 2026, with credit growth continuing to accelerate amidst maintained asset quality and liquidity. OJK Board of Commissioners Chairperson Friderica Widyasari Dewi stated that bank credit grew 12.67% year-on-year (yoy) in June 2026, reaching IDR 9,080 trillion. This growth was driven by investment loans, which surged 24.9% yoy, followed by working capital loans growing 8.94% yoy and consumer loans growing 5.75% yoy. In terms of credit quality, the gross non-performing loan (NPL) ratio stood at 2.09% and net NPL at 0.82%, while the loan at risk (LAR) ratio was stable at 8.47%. On the funding side, Third Party Funds (DPK) grew 10.21% yoy to IDR 10,281 trillion. The capital adequacy ratio (CAR) was recorded at 23.7%, with the Loan to Deposit Ratio (LDR) at 88.32%. Liquidity ratios remained well above regulatory thresholds, with the ratio of Liquid Assets to Non-Core Deposits (AL/NCD) at 101.9% and Liquid Assets to DPK (AL/DPK) at 23.08%.