OJK Maintains Optimism on Small-Capital Banks' Performance

Positive Outlook Despite Economic Challenges

The Financial Services Authority (OJK) remains optimistic about the prospects of small-capital banks through the end of 2025 and into 2026, despite the banking sector facing various global and domestic economic challenges. Dian Ediana Rae, OJK's Head of Banking Supervision, emphasized that the performance targets set by these banks in their Business Plans remain realistic and will continue to contribute positively to national economic growth.

Adjusted Credit Growth Projections

Based on the Business Plans reported by the end of November 2025, OJK noted that banks, including small-capital ones, have adjusted their credit growth projections in light of the uncertain economic conditions. This adjustment is considered appropriate given the slowing economic activity in major regions, particularly the United States and China, alongside ongoing geopolitical tensions that are pressuring global economic stability.

Continued Economic Contribution

Despite these challenges, OJK is confident that small-capital banks will maintain their role in supporting economic growth. The authority's supervision indicates that these banks have made necessary adjustments to navigate the current economic landscape effectively.