JAKARTA - The Financial Services Authority (OJK) recorded that the total assets of Islamic banks recorded an all-time high (ATH) throughout the establishment of the industry in Indonesia, reaching IDR 1,028.18 trillion in October 2025.
This amount grew by 11.34 percent year on year (yoy) compared to the same period last year of Rp923.43 trillion.
Citing Antara, the Executive Head of the OJK Banking Supervisory Agency, Dian Ediana Rae, said that this positive achievement shows that the direction of the sharia banking development policy is on the right track.
The positive performance of Islamic banking is also reflected in the distribution of financing and the collection of third-party funds (DPK).
As of October 2025, the disbursement of financing was recorded at Rp. 685.55 trillion or grew 7.78 percent year-on-year, while the collected DPK reached Rp. 820.79 trillion or grew 14.26 percent year-on-year.
Each of these achievements, noted OJK, is also the highest nominal during the operation of Islamic banks in Indonesia.
In line with the expectation of improving the national economy by the end of 2025, this is expected to have a positive impact on the performance of Islamic banking until the end of this year.
Dian said that OJK continues to ensure the implementation of the Roadmap for the Development and Strengthening of Indonesian Sharia Banking (RP3SI) 2023-2027 to support the accelerated and sustainable growth of the sharia banking industry.
According to Dian, the policy to strengthen the industrial structure through spin-off and consolidation will continue to be encouraged as a catalyst to create a sharia bank with more adequate economic of scale.
This strengthening is considered important because the majority of sharia commercial banks (BUS) are still in the KBMI 1 category with core capital in the range of up to Rp6 trillion.
With a larger economic scale, Islamic banks can expand financing, develop more innovative business models, increase cost efficiency, strengthen information technology (IT) infrastructure, and improve human capital (HR) quality.
Adequate economic scale will also make the Islamic banking industry more contributory to the national economy.
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OJK also encourages Islamic banks to be more agile in the midst of increasingly tight competition in the banking industry through the utilization of the uniqueness of Sharia products, synergy with parent banks, and the optimization of Sharia social finance.
These three initiatives are expected to strengthen the characteristics of sharia banking which is oriented towards social-economic development and increasing the inclusiveness of sharia banking for all levels of society.
OJK also stated that it would continue to monitor the development of the national sharia banking industry in the future to ensure that the industry grows sustainably and healthily as a step to maintain the stability of the national financial system while supporting inclusive national economic growth.
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