JAKARTA - The Financial Services Authority (OJK) reported that the performance of banking intermediation until February 2026 still showed positive growth with a risk level that remained under control.
The Head of the OJK Banking Supervisory Executive, Dian Ediana Rae, said that the distribution of bank loans grew 9.37 percent year-on-year (yoy) to Rp8,559 trillion.
"The performance of banking intermediation is still growing positively with a risk profile that remains maintained," he said in an OJK RDK press conference, Monday, April 6.
He explained that although credit growth was still solid, the rate had slowed slightly compared to January 2026 which reached 9.96 percent (yoy).
Based on the type of use, investment credit recorded the highest growth of 20.72 percent (yoy).
Meanwhile, if viewed from the debtor segment, corporate loans are the highest growth, namely 14.74 percent (yoy).
"Based on the type of use, investment credit grew the highest, namely 20.72 percent," he explained.
In terms of bank ownership, credit disbursed by state-owned banks recorded the highest growth of 12.78 percent (yoy).
In terms of fund collection, third-party funds (DPK) also showed strong performance, namely until February 2026, DPK grew 13.18 percent (yoy) to Rp10,102 trillion.
In detail, the highest growth occurred in deposit instruments which rose 18.56 percent (yoy), followed by savings of 13 percent (yoy) and current accounts of 8.12 percent (yoy).
In terms of liquidity, the condition of the national banking industry is still considered very adequate, namely the ratio of liquid assets to non-core deposits (AL/NCD) was recorded at 121.29 percent, while the ratio of liquid assets to third-party funds (AL/DPK) was 27.4 percent.
Both of these ratios are well above their respective thresholds, namely 50 percent and 10 percent.
In addition, the liquidity coverage ratio (LCR) is also at a high level of 195.64 percent, which reflects the liquidity resilience of the banking industry.
Meanwhile, credit quality remains well maintained, namely the ratio of gross non-performing loans (NPL) was recorded at 2.17 percent, while net NPL was at the level of 0.83 percent.
"In general, credit quality remains maintained," he said.
Meanwhile, loan at risk (LAR) is at 9.24 percent, slightly increased compared to the position of January 2026 which was 9.01 percent.
In terms of profitability, the return on assets (ROA) was recorded at 2.37 percent, slightly down from the previous month which reached 2.49 percent.
For capital, the banking industry still shows a strong condition with a capital adequacy ratio (CAR) of 25.83 percent.
"Banking capital remains strong and provides an adequate risk mitigation buffer amid global uncertainties," he said.
Based on the OJK Banking Survey (SBPO) in the first quarter of 2026, the performance of the banking sector in general remained solid with a maintained risk level, and the banking confidence index is still in the optimistic zone.
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