TEMPO.CO, Jakarta - The Executive Head of Banking Supervision at the Financial Services Authority (OJK), Dian Ediana Rae, expects a new Islamic commercial bank (BUS) resulting from a spin-off to be established this year. This new sharia bank is intended to strengthen the national Islamic banking structure within the Core Capital Bank Group 2 (KBMI 2).
Currently, three large Islamic banks occupy the KBMI 2 and 3 categories. Banks in the KBMI 2 group possess core capital ranging from Rp6 trillion to Rp14 trillion. Meanwhile, core capital for KBMI 3 ranges from Rp14 trillion to Rp70 trillion.
In a written statement, Dian explained that industry consolidation also continues in the Sharia rural bank (BPR) sector through the merger of 21 Sharia BPRs. OJK targets this process to produce nine stronger, more efficient, and competitive Sharia BPRs.
These steps, she noted, further bolster the Islamic banking structure, implementing the first pillar of the Roadmap for the Development and Strengthening of Indonesian Islamic Banking (RP3SI): Strengthening the Structure and Resilience of the Islamic Banking Industry.
"As of March 2026, the Islamic banking industry has recorded double-digit asset growth, reaching 10.49 percent annually (year on year/yoy) or Rp1,061.61 trillion," said Dian in a written statement, as quoted from Antara.
Furthermore, Dian revealed that Islamic banking financing grew by 9.82 percent (yoy) to Rp716.4 trillion, surpassing national growth. Meanwhile, third-party fund (DPK) growth in the sector reached 11.14 percent (yoy), totaling Rp811.76 trillion.
The financing-to-deposit ratio (FDR) has also continued to rise in recent years, reaching 87.65 percent. This trend aligns with the increasing contribution of Islamic banking to the real sector.
Strong financing quality is reflected in the gross non-performing financing (NPF) and net NPF ratios, which stand at 2.28 percent and 0.87 percent, respectively.
She explained that Islamic banking support for the real sector and community economic empowerment is being enhanced through broader financing access for MSMEs. This is evidenced by the total distribution of MSME financing by the Islamic banking industry, which has reached Rp217.86 trillion.
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