The national banking sector showed a solid recovery trend, registering year-on-year (YoY) credit growth of 11.51 percent as of May 2026. This figure brought total banking credit distribution to Rp8,918 trillion, surpassing the previous month's growth achievement of 9.98 percent.
Chief Executive of Banking Supervision of the Financial Services Authority (OJK), Dian Ediana Rae, in a press conference of the Monthly Board of Commissioners Meeting, stated that credit acceleration was dominated by investment credit, which surged significantly by 21.95 percent. In addition, the working capital and consumer credit sectors also made positive contributions, growing by 8.09 percent and 5.89 percent, respectively.
From the debtor group perspective, the corporate segment was the main driver with a growth of 18.39 percent. The Micro, Small, and Medium Enterprises (MSMEs) sector also began to show positive activity, with growth increasing to 0.60 percent. Sector-wise, state-owned banks recorded the most aggressive credit distribution performance, growing by 15.98 percent.
In line with credit expansion, funding performance also showed a positive trend, with Third-Party Funds (DPK) growing by 13.49 percent to reach Rp10,294 trillion. OJK ensured that the banking industry's liquidity remained in a safe condition, with the ratio of liquid assets to DPK recorded at 24.78 percent, far exceeding the minimum threshold set.
Regarding asset quality, OJK emphasized that the banking risk profile remains maintained with a gross non-performing loan (NPL) ratio at 2.17 percent and the Loan at Risk (LaR) ratio continuing to improve to 8.72 percent. Supported by strong capitalization with a capital adequacy ratio (CAR) of 23.74 percent, the banking industry is deemed to have sufficient resilience to support the sustainability of economic expansion going forward.
