JAKARTA - The Financial Services Authority (OJK) reported that banking credit in January 2026 grew 9.96 percent year on year (yoy) to Rp8,557 trillion or higher than the growth of December 2025 which was recorded at 9.63 percent (yoy).
The Head of the OJK Banking Supervisory Executive, Dian Ediana Rae, conveyed that the banking intermediation function continued to show positive performance, with a maintained risk profile and adequate liquidity.
"In January 2026, credit grew by 9.96 percent year-on-year," said Dian Ediana Rae, Head of the OJK Banking Supervisory Executive, at the RDK Press Conference, Tuesday, March 3.
Based on the type of use, investment loans recorded the highest growth of 22.38 percent in January 2026, consumption loans grew 6.58 percent and working capital loans increased 4.13 percent.
Meanwhile, the sitinjau of the debtor category, corporate credit grew 16.07 percent and from the bank's ownership side, credit disbursed by state-owned banks increased 13.43 percent.
On the fund-raising side, the banking third-party fund (DPK) reached Rp10,076 trillion or grew 13.48 percent (yoy) in January 2026, slowing slightly compared to the December 2025 growth of 13.83 percent.
Dian said that this growth was supported by a 19.75 percent increase in current accounts, 12.61 percent in deposits, and 8.27 percent in savings on an annual basis.
Meanwhile, the liquidity of the banking industry remains at a safe level, namely the ratio of Liquid Assets to Non-Core Deposits (AL/NCD) recorded 121.23 percent and Liquid Assets to Third Party Funds (AL/DPK) of 27.54 percent, far above the respective thresholds of 50 percent and 10 percent. The Liquidity Coverage Ratio (LCR) is at the level of 197.92 percent.
In terms of asset quality, the gross non-performing loan (NPL) ratio was recorded at 2.14 percent and the net NPL was 0.82 percent, and the loan at risk (LAR) ratio was at 9.01 percent.
Overall banking profitability performance remained solid with an asset return rate (return on assets/RoA) of 2.49 percent.
He added that the resilience of the banking sector was also reflected in the high capital adequacy ratio (CAR) of 25.87 percent, which served as a cushion to mitigate risks amid global uncertainty.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
