OJK Confirms Strong Foreign Interest in Indonesian Banking Sector

Solid Fundamentals Drive Continued Investment

The Financial Services Authority (OJK) has reported that foreign investor interest in Indonesia's banking sector remains robust, backed by the industry's solid fundamentals and the country's need for deeper foreign exchange liquidity. According to Dian Ediana Rae, OJK's Head of Banking Supervision, the investment climate in the banking sector remains positive. This is reflected in the 7.70% year-on-year credit growth recorded as of September 2025, supported by adequate liquidity amid global economic uncertainty.

Significant Foreign Bank Presence

As of September 2025, foreign banks and their branches held a 24.81% market share in Indonesia's banking sector. Their contribution to credit disbursement reached Rp 1,799.17 trillion, accounting for 22.04% of total banking credit. In terms of third-party fund collection, foreign banks managed Rp 2,093.59 trillion, or 21.60% of the industry's total. These figures demonstrate the significant role foreign banks play in Indonesia's financial landscape.

Positive Outlook for Continued Investment

The OJK remains optimistic about continued foreign investment in the sector. The authority attributes this positive outlook to the banking industry's strong fundamentals, including solid credit growth and ample liquidity. As Dian Ediana Rae stated, "Confidence in the banking sector's fundamentals remains high, as seen from the solid credit growth and ample liquidity." This confidence is expected to maintain the sector's attractiveness to foreign investors moving forward.