RRI.CO.ID, Jakarta – The current state of the banking sector in Indonesia remains strong and stable for all customers. The Financial Services Authority (OJK) assures the public that their deposits remain safe despite changes in assessments by international agencies.

OJK’s Executive Director for Banking Supervision, Dian Ediana Rae, explained that the performance of major banks continues to show positive growth. According to her, the revised outlooks from agencies such as Moody’s are not caused by internal financial issues within those banks.

These rating changes are more influenced by the global economic conditions, which are currently experiencing significant volatility. Nevertheless, banks in Indonesia possess substantial capital to safeguard their customers’ funds.

“Essentially, the national banking industry is in a positive condition, with credit growth in January 2026 at 9.96 percent (yoy), in line with third-party funds (DPK) growth of 13.48 percent (yoy),” Dian said in a press release on Wednesday, March 25, 2026.

The high growth in third-party funds (DPK) serves as evidence that the public still has strong confidence in banks. This ensures that the banking sector has more than sufficient cash reserves to meet the daily needs of the public.

The OJK also noted that the non-performing loan ratio remains low, indicating that the national financial system is very healthy. Major banks in Indonesia have set aside sufficient reserves to anticipate future risks.

The government continues to monitor economic developments so that the public need not worry about financial services. The primary focus at this time is ensuring that all banking transactions continue to run smoothly without any technical disruptions.

The current capital strength of national banks provides room for businesses to continue accessing loans. This support is crucial to ensure that jobs remain available and household economies stay stable.

The implementation of strict risk management is the key reason why Indonesia’s banking sector has remained resilient against the global crisis. The OJK is committed to continuously supervising every bank to ensure they consistently adhere to the principle of prudence in the best interest of customers.

“The OJK, together with other stakeholders, particularly members of the Financial System Stability Committee (KSSK), will continue to oversee and maintain financial system stability through policy coordination and strengthened supervision, so that the banking sector’s resilience remains intact in the face of economic dynamics and growth,” Dian said.