OJK Records Banking Credit Growth of 12.67 Percent to Rp9.081 Trillion in June 2026

Illustration. (Photo: Dok. Antara)

JAKARTA - The Financial Services Authority (OJK) recorded an acceleration in the growth of banking credit distribution in June 2026.

Meanwhile, the distribution of banking credit grew 12.67 percent year on year (yoy) to Rp9,081 trillion, higher than the growth in May 2026 of 11.51 percent.

Head of the OJK Banking Supervisory Executive Dian Ediana Rae said that the strengthening of the banking intermediation performance took place with a risk profile that remained under control.

"The performance of banking intermediation continues the trend of strengthening with a maintained risk profile. Credit growth in June 2026 accelerated again to 12.67 percent (year on year) to Rp9,081 trillion," he said at the RDK Press Conference, Tuesday, August 4, 2026.

Based on the type of use, investment credits recorded the highest growth of 24.9 percent. Meanwhile, based on the debtor category, corporate credit became the segment with the highest growth, namely 20.45 percent.

He added that the distribution of credit to the micro, small and medium business (MSMEs) sector also showed improvement, growing 1.05 percent year-on-year in June 2026, up from the previous month's growth of 0.60 percent.

Meanwhile, if viewed based on bank ownership, the credit disbursed by state-owned banks recorded the highest growth, namely 16.54 percent on an annual basis.

In terms of funding, the banking third-party fund (DPK) in June 2026 grew 10.21 percent year-on-year to Rp10.282 trillion, and this growth was supported by giro of 9.95 percent, deposits of 8.20 percent, and savings of 12.16 percent.

Dian said that the faster credit growth compared to DPK caused bank liquidity to decline. However, the OJK assessed that the liquidity conditions of the banking industry were still at an adequate level.

According to him, this is reflected in the ratio of Liquid Assets to Non-Core Deposits (AL/NCD) of 101.92 percent and Liquid Assets to Third Party Funds (AL/DPK) of 23.08 percent.

"It is still above the threshold of 50 percent and 10 percent. As for the liquidity coverage ratio (LCR) is at the level of 182.75 percent," he said.

In terms of asset quality, the condition of banking credit also showed improvement, namely the ratio of non-performing loans (NPL) gross was recorded at 2.09 percent, while the net NPL was at the level of 0.82 percent.

The loan at risk (LAR) ratio was recorded at 8.47 percent, and the bank's profitability was also maintained with a Return on Assets (RoA) of 2.47 percent.

In addition, the capital resilience of the national banking industry is still strong, which is reflected by the Capital Adequacy Ratio (CAR) which is at the level of 23.70 percent, thus providing adequate risk mitigation space for the banking industry.