SEAToday.com, Jakarta - The Financial Services Authority (OJK) is strengthening regional and Islamic banking to drive inclusive and sustainable economic growth.

OJK’s Chief Executive of Banking Supervision, Dian Ediana Rae, emphasized the importance of regional banks in ensuring banking development aligns with national and regional economic conditions. 

“We hope to see increased synergy among relevant stakeholders in the regions, including Bank Indonesia, OJK, and other related institutions,” he stated as quoted on Antara.

On March 21, a Dialogue with the Banking Industry was held at OJK Solo, providing a platform for discussions on regional banking development. OJK has also issued the 2024-2027 Roadmaps for strengthening Regional Development Banks and Rural Banks (BPR/BPRS).

During the 2025 Annual Financial Services Industry Meeting, OJK projected banking credit growth in 2025 at 9-11%, with third-party funds (DPK) growing at 6-8%. 

“This projection reflects a positive outlook for national economic growth despite ongoing economic uncertainty and geopolitical tensions,” OJK stated as quoted on Antara.

OJK data shows the banking sector remains stable. As of January 2025, commercial bank assets grew 6.34% year-on-year (yoy) to IDR12,410.7 trillion. Credit grew 10.27% yoy to IDR7,782.2 trillion, while DPK rose 5.51% yoy to IDR8,879.3 trillion.

Islamic banking also expanded, with total assets growing 9.17% yoy to IDR948.2 trillion and a market share of 7.5%. Financing disbursement reached IDR639.1 trillion (+9.77% yoy), and DPK rose 9.85% yoy to IDR737.4 trillion.

In Solo Raya, total banking assets grew 2.29% yoy to IDR119.53 trillion. Despite a 2.64% decline in credit disbursement to IDR103.6 trillion, DPK collection increased by 3.1% to IDR97.8 trillion, signaling potential for financing recovery amid liquidity constraints.

Writer: Andi Raisa Malaha Thambas