Indonesian Banking Sector Outlook 2026

Moderate Growth Expected

The Indonesian banking sector is projected to experience moderate growth in 2026, driven by factors such as stable liquidity and improving credit quality. According to OJK, the sector's growth will be supported by the government's efforts to increase access to credit and relax lending rules ¹

. However, challenges such as weak credit demand and global economic uncertainty may impact the sector's performance ²

Source 2

https://keuangan.kontan.co.id/news/perbankan-2026-diproyeksi-moncer-ini-kata-ojk

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OJK's Initiatives to Support Growth

OJK has announced plans to support the growth of the banking sector through various initiatives, including relaxing lending rules and increasing access to credit ³

. The regulator believes that these initiatives will help to stimulate credit growth and support the country's economic development ⁴

Source 4

https://keuangan.kontan.co.id/news/ojk-siapkan-jurus-dorong-pertumbuhan-kredit-pada-tahun-2026

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Challenges Ahead

Despite the positive outlook, the Indonesian banking sector still faces several challenges, including weak credit demand and global economic uncertainty ⁵

. The sector's growth may also be impacted by the ongoing COVID-19 pandemic, which has affected the country's economy and financial system ⁶

Source 6

https://keuangan.kontan.co.id/news/ok-bank-optimistis-bisnis-perbankan-pulih-lebih-solid-pada-2026

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Conclusion

In conclusion, the Indonesian banking sector is expected to experience moderate growth in 2026, driven by factors such as stable liquidity and improving credit quality. However, the sector still faces several challenges, including weak credit demand and global economic uncertainty. OJK's initiatives to support growth, such as relaxing lending rules and increasing access to credit, are expected to help stimulate credit growth and support the country's economic development.