“As of March this year, Rp17.4 trillion in loan or financing restructuring has been provided through OJK’s relaxation policies for 279,000 accounts,” OJK Board of Commissioners Chair Friderica Widyasari Dewi said during a Financial System Stability Committee (KSSK) press conference in Jakarta on Thursday.
This figure represents an increase compared to the loan restructuring recorded as of February, which stood at Rp16.3 trillion.
The loan restructuring facility is provided to aid debtors affected by floods and landslides that hit three provinces of Sumatra—Aceh, North Sumatra, and West Sumatra—in late 2025.
This policy is implemented in accordance with the OJK Regulation Number 19 of 2022 concerning Special Treatment for Financial Service Institutions in Certain Regions and Sectors in Indonesia Affected by Disasters.
OJK has stipulated that the policy for disaster-affected debtors in Sumatra will remain in effect for three years from the date of enactment, which was December 10, 2025.
On that occasion, Dewi also explained that banking intermediation performance remained contributive with a well-maintained risk profile.
In March 2026, bank lending grew 9.49 percent year-on-year (yoy) to Rp8,659 trillion, driven by a surge in investment loans, which rose 20.85 percent yoy, followed by consumer and working capital loans, which grew 5.88 percent and 4.38 percent, respectively.
Furthermore, credit quality remained maintained with a gross Non-Performing Loan (NPL) ratio of 2.1 percent and a net NPL of 0.8 percent. The Loan at Risk (LaR) ratio also remained relatively stable at 8.9 percent.
Meanwhile, third-party funds (DPK) grew by 13.55 percent yoy to Rp10,230 trillion, as current accounts, savings, and time deposits rose by 21.37 percent, 8.36 percent, and 11.57 percent yoy, respectively.
Related news: Govt disburses Rp4.4 T in extra transfers to disaster-hit provinces
Translator: Putu Indah, Raka Adji
Editor: M Razi Rahman
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