OJK launches 2026–2030 roadmap to strengthen Indonesian banking

The Indonesian Financial Services Authority (OJK) has launched the 2026–2030 Indonesian Banking Development and Strengthening Roadmap (RP3I) to bolster the national banking sector. The roadmap establishes five strategic priorities: strengthening institutional capacity and integrity, modernizing technology and digital resilience, deepening financial markets and intermediation, promoting sustainable finance, and implementing integrated licensing with adaptive supervision.

To support these goals, the OJK identified four foundational enablers: a conducive economic and investment ecosystem, digital infrastructure and data, human capital, and cross-sectoral coordination. OJK Chair Friderica Widyasari Dewi noted that the industry must remain innovative and inclusive to navigate global economic shifts and technological advancements.

As of August 2026, Indonesia's banking sector reported solid performance, with bank lending growing 13.65 percent year-on-year and third-party funds increasing by approximately 10.9 percent. The capital adequacy ratio stood at 24.1 percent, while gross non-performing loans (NPL) were reported between 2.11 percent and 2.9 percent.