RRI.CO.ID, Jakarta – Banking industry liquidity declined in June 2026 as credit growth outpaced the increase in third-party funds (DPK). The Financial Services Authority (OJK) assessed that liquidity remains sufficient to support financing.

Bank lending in June 2026 grew 12.67 percent year-on-year, reaching IDR 9,081 trillion (approximately USD 506.89 billion). This was higher than May’s growth of 11.51 percent.

OJK’s Chief Executive for Banking Supervision, Dian Ediana Rae, explained that liquidity levels are still adequate. OJK presented the update during its July 2026 Board of Commissioners Meeting press conference, held online.

“Credit growth exceeded the growth of DPK. This caused banking industry liquidity to decline in June 2026, though it remains sufficient,” Dian said during the press conference on Tuesday, August 4.

OJK noted that investment loans were the main driver of financing growth in June, recording the highest increase at 24.9 percent compared with other loan types.

Corporate lending rose 20.45 percent year-on-year, while micro, small, and medium enterprise (MSME) loans grew to 1.05 percent, up from 0.60 percent in May.

By ownership group, state-owned banks (BUMN) posted the strongest growth, with lending up 16.54 percent year-on-year in June 2026.

Meanwhile, DPK grew 10.21 percent year-on-year to IDR 10,272 trillion in June 2026, slower than May’s 13.47 percent. DPK also recorded a monthly decline of 0.12 percent, with the slowdown in fund collection contributing to tighter liquidity conditions in the banking industry. (Gusti Panji)