Indonesia’s banking sector started 2026 with solid momentum. Lending activity expanded at a healthy pace, reflecting stronger investment demand and resilient consumer confidence. The Financial Services Authority (OJK) highlighted that credit growth remained stable, supported by adequate liquidity and manageable risks.
Key Facts & Background
- Total Lending: Bank credit reached Rp8,557 trillion in January 2026, growing 9.96% year-on-year (YoY).
- Comparison with December 2025: Growth was slightly higher than 9.63% YoY recorded in December 2025.
- Deposits: Third-party funds (DPK) stood at Rp10,076 trillion, increasing 13.48% YoY.
- Loan-to-Deposit Ratio (LDR): Stable at 84.93%, indicating balanced intermediation.
- Capital Adequacy Ratio (CAR): Strong at 25.87%, reflecting robust capital buffers.
- Liquidity Coverage Ratio (LCR): Maintained at 197.92%, ensuring banks’ ability to meet short-term obligations.
- Non-Performing Loans (NPL): Rose slightly to 2.14%, signaling some pressure but still within manageable levels.
- Credit Segments: Investment loans were the main driver of growth, while consumer and working capital loans also contributed positively.
Disclaimer: AI-data analytics across multiple sources, with human editorial oversight.
Strategic Insights
The January 2026 banking data shows Indonesia’s financial system entering the year with resilience and stability. Credit growth near 10% YoY reflects strong demand for investment financing, while rising deposits provide ample liquidity for further expansion. Although non-performing loans edged up, capital and liquidity ratios remain well above regulatory thresholds, ensuring systemic soundness. For policymakers, the figures confirm that banking intermediation continues to support economic activity, while for businesses and investors, the data signals confidence in Indonesia’s financial sector as a reliable engine of growth. Over the longer term, sustaining this momentum will depend on managing credit quality and aligning lending with productive sectors to strengthen economic fundamentals.