Release Of Surveillance Report, OJK Ensures Solid Banking Performance
The Financial Services Authority (OJK) ensures that the national banking industry remains in a solid and stable condition, with maintained risks, as stated in the 2025 Quarter II Indonesian Banking Surveillance Report (LSPI) released Friday, October 10.
The Chief Executive of the OJK Banking Supervision, Dian Ediana Rae, in a statement in Jakarta on Saturday, October 11, stated that the banking intermediation function showed a positive trend until June 2025. This was marked by the increase in lending and the strong accumulation of funds from the public.
"Bank conditions remain healthy, asset quality improves, and credit risk decreases. Liquidity is also at an adequate level, supported by liquidity reserves that are far above the minimum stipulation," said Dian.
He emphasized that national banking capital is still very strong, reflecting sector resilience in dealing with potential risks in the future and its ability to support economic growth.
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OJK continues to encourage banking actors to apply the principles of prudence, professionalism, and maintain integrity in carrying out their business activities, in order to realize healthy and sustainable growth.
As of August 2025, the main indicators of the banking sector show positive performance:
Third Party Funds (DPK) grew by 8.51% (yoy), higher than credit growth by 7.56% (yoy).
The gross non-performing Loan (NPL) is stable at 2.28%, signaling a controlled credit risk.
Liquidity ratios: AL/NCD and AL/DPK are recorded at 120.25%, well above the minimum threshold.
The market risk remains low, as seen from the Neto Foreign Exchange Position (PDN) of 1.19%, far below the maximum limit of 20%.
Capital Adequacy Ratio (CAR) increased to 26.03%, supported by growth in banking sector profits.
LSPI Quarter II 2025 also highlighted the development of the real sector, especially the automotive industry. OJK assesses that this sector has a strategic role in supporting national economic growth through its contribution to Gross Domestic Product (GDP) and the impact of wide multipliers.
Despite the fluctuating growth in recent years, Indonesia's position in the global automotive industry has actually become stronger. In 2024, Indonesia managed to penetrate the top 15 largest vehicle producing countries in the world.
"Synergy between the automotive industry, financial institutions, and the government is important to turn challenges into growth opportunities," added Dian.
With various indicators that remain solid and synergistic across sectors strong, OJK is optimistic that the national financial system will continue to support Indonesia's economic recovery and growth in a sustainable manner.