OJK: Undisbursed Loans Reach Rp 2,575 Trillion, Indicating Future Credit Expansion Potential
The majority of undisbursed loans as of May 2026, amounting to 54.33 percent, are intended to support productive business activities, according to the Financial Services Authority (OJK). The regulator noted that this figure indicates these credit facilities are largely prepared to bolster the productive endeavours of the business sector.
By bank group, the undisbursed loan position up to May 2026 was recorded at Rp 545 trillion at state-owned banks (Himbara) and Rp 1,664 trillion at national private banks, in the form of both committed and uncommitted loans.
“The gradual realisation of credit drawdowns also reflects the cautious approach of businesses in managing their funding needs amidst economic dynamics,” said Dian Ediana Rae, Chief Executive of Banking Supervision at OJK, on Thursday, 23 July 2026, as reported by Antara.
As of May 2026, unused loan facilities, or undisbursed loans, were recorded at a relatively high level of approximately Rp 2,575 trillion. According to OJK, this indicates the potential for business expansion utilisation in line with their respective timelines, thereby potentially boosting future credit growth.
Dian added that credit growth is projected to continue increasing to drive growth in the real sector, in line with the trend of economic growth, maintained business confidence, and persistently positive and stable market conditions.
“OJK will continue to conduct intensive supervision of the development of the intermediation function, asset quality, and banking liquidity to ensure the banking industry remains healthy, resilient, and capable of supporting sustainable national economic growth,” Dian stated.
Overall, banking performance as of May 2026 showed positive growth, with credit growth reaching 11.51 percent year-on-year (yoy), in line with third-party fund (DPK) growth of 13.47 percent yoy.
As of June 2026, based on data from Bank Indonesia (BI), banking credit growth was recorded at 12.67 percent yoy, higher than the previous month. Meanwhile, DPK growth as of June 2026 stood at 10.21 percent yoy.
The banking industry’s capital adequacy ratio (CAR) in May 2026 was recorded at a high 23.74 percent, which is considered strong in absorbing risk and supporting credit growth. The aggregate non-performing loan (NPL) ratio remained low at 2.17 percent gross and 0.84 percent net in May 2026.
Meanwhile, the banking industry’s liquid assets to DPK ratio (AL/DPK) was recorded at 23.08 percent in June 2026, down from 24.74 percent in May 2026.