The 2026 edition of the Indonesia Banking Booklet (IBB) constitutes a publication media to present concise information concerning Indonesian banking throughout 2025 with additional updates until March 2026, particularly in the chapter on issued regulations. This booklet is also expected to provide information regarding the direction of the 2026 policies of the Financial Services Authority (OJK) as conveyed in the 2026 Financial Services Industry Annual Meeting with the theme of “Stable and Contributory Financial Services Sector will Support Market Deepening and National Economy" as well as development of the banking industry in Indonesia, research, regulations, and policies in the banking field by the OJK to promote higher competitiveness and contribution in the banking industry.
Amid the dynamics and uncertainty of the global economic situation, domestic conditions have remained relatively stable. This is reflected in banking indicators for the fourth quarter of 2025, as evidenced by credit growth (commercial banks) that remains quite strong at 9.63% (year-over-year), although it has slowed from 10.46% (year-over-year) in the same period the previous year. Year-over-year credit growth was primarily driven by increased lending to corporate borrowers. On the other hand, third-party funds (DPK) grew at a double-digit rate of 13.83% (yoy), up from 4.48% (yoy) in the same period the previous year. Additionally, banking liquidity remained sound, supported by the AL/NCD and AL/DPK ratios, which remained well above their respective thresholds at 126.15% and 28.57%. Capital adequacy remains quite solid with a CAR of 25.87%, although it declined compared to the previous year due to a higher increase in ATMR relative to the increase in capital. Credit risk is showing improvement, with the gross NPL ratio declining to 2.05% and the net NPL ratio remaining stable at 0.79%. In line with the performance of commercial banks, the performance of RBs and Sharia RBs was also quite good, although loans/financing and DPK grew at a moderate pace compared to the same period in the previous year. Capital adequacy ratios remained solid, with CARs for RBs and Sharia RBs at 29.03% and 19.73%, respectively.
To ensure the Financial Services Sector (FSS) remains resilient so that it can contribute more effectively to national economic growth, in 2026 the OJK has three (3) priority policies, namely (1) Strengthening the Resilience of the Financial Services Sector, (2) Developing a Contributive Financial Services Sector Ecosystem, and (3) Deepening Financial Markets and Promoting Sustainable Finance.
The OJK also plays a major role in providing direction and driving the development and digitalization of the national banking sector to enhance its resilience, competitiveness, and contribution to the national economy. In terms of regulatory strengthening, by 2025 the OJK had issued 24 (twenty-four) banking regulations, consisting of 8 (eight) Financial Services Authority Regulations (POJK), 14 (fourteen) Financial Services Authority Circulars (SEOJK), and 2 (two) Regulations of the Board of Commissioners (PADK). Furthermore, as of March 2026, an additional 1 (one) POJK and 1 (one) PADK had been issued for the banking sector.
The 2026 edition of the IBB has been designed with an attractive layout and format to provide ease and convenience for users. To maintain the integrity of OJK's information and publications, there have been adjustments in the form of links to relevant contents that are already available in other OJK publications. The utilization of QR Code technology in some of the contents in this IBB has also been included, allowing users to easily obtain the complete additional information relevant to the contents being read.
We recognize that there remain imperfections in the presentation of the 2026 IBB, both in terms of substance and format. Nevertheless, we hope the information provided offers optimal utility to users. We welcome feedback and insights from users on this IBB to enhance the quality of future editions.
