Perbanas: Banking fundamentals remain solid, ready to support national economic growth
Jakarta (ANTARA) – The Indonesian National Banking Association (Perbanas) assesses that Indonesia’s banking sector remains in a healthy condition amidst global and domestic economic dynamics.
This is reflected in sustained strong credit growth, maintained liquidity, and adequate capital to support intermediation functions and national economic growth.
Perbanas General Chair and President Director of BRI, Hery Gunardi, stated that the national banking sector is still capable of performing its role as an economic driver through continuous credit distribution and increasing public fund collection.
“Based on OJK data, as of the end of April 2026, banking credit distribution grew by 9.98 per cent year-on-year, while Third-Party Funds grew by 11.40 per cent. This shows that public confidence in the banking system remains maintained and the intermediation function is operating well,” said Hery.
In terms of liquidity, the Loan to Deposit Ratio (LDR) was recorded at 86.88 per cent. Meanwhile, the Gross Non-Performing Loan (NPL) ratio stood at 2.17 per cent. This condition indicates that the banking industry still possesses adequate capacity to support economic financing while maintaining asset quality.
According to Hery, this performance serves as essential capital for banks to continue supporting economic activities and various national development programmes.
Nevertheless, vigilance is still required given that global uncertainty remains quite high. Geopolitical tensions, energy price volatility, and economic slowdowns in several countries have the potential to affect business activities and financial market sentiment.
“Therefore, prudent risk management, liquidity adequacy, and the quality of credit growth must remain primary focuses to ensure the industry’s resilience is maintained,” Hery explained.
To strengthen this resilience, banks need to continue enhancing various risk mitigation measures, including conducting sectoral stress tests on portfolios sensitive to rising energy costs, strengthening early warning systems against potential credit quality deterioration, and implementing stronger credit discipline according to each debtor’s risk profile.
Additionally, banks must ensure liquidity adequacy to face potential market volatility and fluctuations in public funds. Such efforts can be achieved through the strengthening of liquidity indicators, including the Liquidity Coverage Ratio (LCR) and the Net Stable Funding Ratio (NSFR).
At the same time, the management of exchange rate risk and foreign currency liquidity remains a priority. This is conducted through the prudent management of the Net Foreign Exchange Position (PDN), strengthening hedging strategies, and the careful management of the maturity of foreign currency assets and liabilities.
These steps are considered vital to maintaining financial sector stability, while simultaneously ensuring that financing support for the business world and strategic sectors continues to function effectively.
On the other hand, Perbanas welcomed the results of Bank Indonesia’s Banking Survey, which showed expectations for increased new credit demand in the second quarter of 202 6. This development signals that domestic economic activity still possesses good momentum.
Moving forward, Perbanas believes the banking sector will remain one of the main pillars in supporting the national development agenda, including financing for productive sectors, strengthening MSMEs, industrial downstreaming, and various government priority programmes.
“The national banking sector is committed to continuing its intermediation function in a healthy and sustainable manner. With an industry condition that remains strong and supported by good risk management, we are optimistic that banking can continue to contribute to Indonesia’s economic growth while maintaining the stability of the national financial system,” Hery concluded.