{"id":6616,"date":"2025-10-13T06:21:55","date_gmt":"2025-10-12T23:21:55","guid":{"rendered":"https:\/\/regular-investor.com\/?p=6616"},"modified":"2025-10-13T06:22:00","modified_gmt":"2025-10-12T23:22:00","slug":"lspi-triwulan-ii-2025-kinerja-perbankan-solid-risiko-terjaga-dan-likuiditas-kuat","status":"publish","type":"post","link":"https:\/\/regular-investor.com\/index.php\/2025\/10\/13\/lspi-triwulan-ii-2025-kinerja-perbankan-solid-risiko-terjaga-dan-likuiditas-kuat\/","title":{"rendered":"LSPI Triwulan II-2025: Kinerja Perbankan Solid, Risiko Terjaga, dan Likuiditas Kuat"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">OJK Rilis LSPI Triwulan II-2025: Perbankan Nasional Tunjukkan Kinerja Positif<\/h3>\n\n\n\n<p><strong>Otoritas Jasa Keuangan (OJK)<\/strong> menerbitkan <strong>Laporan Surveillance Perbankan Indonesia (LSPI) Triwulan II-2025<\/strong>, yang mencerminkan <strong>kinerja industri perbankan yang solid dan risiko yang terjaga<\/strong>. Laporan ini menegaskan peran penting sektor perbankan dalam <strong>mendukung pertumbuhan ekonomi nasional<\/strong> di tengah dinamika global dan domestik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Intermediasi Meningkat, Kredit dan DPK Tumbuh Positif<\/h3>\n\n\n\n<p>Kepala Eksekutif Pengawas Perbankan OJK, <strong>Dian Ediana Rae<\/strong>, menyampaikan bahwa hingga <strong>Juni 2025<\/strong>, fungsi intermediasi perbankan berjalan positif. Hal ini tercermin dari:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pertumbuhan kredit<\/strong> sebesar <strong>7,56% yoy<\/strong> per Agustus 2025<\/li>\n\n\n\n<li><strong>Pertumbuhan Dana Pihak Ketiga (DPK)<\/strong> sebesar <strong>8,51% yoy<\/strong>, lebih tinggi dari pertumbuhan kredit<\/li>\n<\/ul>\n\n\n\n<p>Peningkatan ini menunjukkan <strong>kepercayaan masyarakat terhadap sektor perbankan<\/strong> dan kemampuan bank dalam menyalurkan dana secara produktif.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kualitas Aset dan Likuiditas Terjaga Baik<\/h3>\n\n\n\n<p>Kualitas aset perbankan menunjukkan <strong>perbaikan signifikan<\/strong>, dengan indikator utama:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NPL gross<\/strong> stabil di <strong>2,28%<\/strong><\/li>\n\n\n\n<li><strong>Rasio Loan at Risk (LAR)<\/strong> tetap terkendali<\/li>\n\n\n\n<li><strong>Rasio PDN (Posisi Devisa Neto)<\/strong> sangat rendah di <strong>1,19%<\/strong>, jauh di bawah ambang batas 20%<\/li>\n<\/ul>\n\n\n\n<p>Likuiditas perbankan juga berada pada tingkat yang <strong>sangat memadai<\/strong>, ditopang oleh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AL\/NCD<\/strong> sebesar <strong>120,25%<\/strong><\/li>\n\n\n\n<li><strong>AL\/DPK<\/strong> sebesar <strong>120,25%<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Keduanya jauh di atas threshold minimum, mencerminkan <strong>kesiapan bank menghadapi kebutuhan likuiditas jangka pendek<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Permodalan Kuat, Ketahanan Perbankan Terjaga<\/h3>\n\n\n\n<p>Tingkat permodalan perbankan atau <strong>Capital Adequacy Ratio (CAR)<\/strong> tercatat tinggi di <strong>26,03%<\/strong>, meningkat seiring <strong>kenaikan laba industri perbankan<\/strong>. Ini menjadi bantalan penting dalam menghadapi potensi risiko ke depan dan mendukung ekspansi kredit yang sehat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">OJK Dorong Prinsip Prudensial dan Penguatan Daya Tahan Bank<\/h3>\n\n\n\n<p>OJK menekankan pentingnya penerapan prinsip:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Prudential banking<\/strong><\/li>\n\n\n\n<li><strong>Profesionalisme<\/strong><\/li>\n\n\n\n<li><strong>Inovasi<\/strong><\/li>\n\n\n\n<li><strong>Integritas<\/strong><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cOJK mendorong bank-bank untuk selalu mengedepankan prinsip kehati-hatian agar mencapai pertumbuhan yang tinggi, sehat, dan berkelanjutan,\u201d ujar Dian.<\/p>\n<\/blockquote>\n\n\n\n<p>Bank juga diminta untuk:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Melakukan stress test dan asesmen permodalan secara rutin<\/strong><\/li>\n\n\n\n<li><strong>Menjaga coverage CKPN secara memadai<\/strong><\/li>\n\n\n\n<li><strong>Memperkuat ketahanan likuiditas<\/strong>, terutama dalam menghadapi <strong>ketidakpastian ekonomi dan perubahan kebijakan global<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Outlook: Perbankan Siap Dukung Pemulihan dan Pertumbuhan Ekonomi<\/h3>\n\n\n\n<p>Dengan kondisi perbankan yang stabil dan indikator keuangan yang kuat, OJK optimistis bahwa sektor ini akan terus memainkan peran strategis dalam:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Menjaga stabilitas sistem keuangan<\/strong><\/li>\n\n\n\n<li><strong>Mendorong pertumbuhan ekonomi nasional<\/strong><\/li>\n\n\n\n<li><strong>Meningkatkan kepercayaan masyarakat terhadap industri perbankan<\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>OJK Rilis LSPI Triwulan II-2025: Perbankan Nasional Tunjukkan Kinerja Positif Otoritas Jasa Keuangan (OJK) menerbitkan Laporan Surveillance Perbankan Indonesia (LSPI) Triwulan II-2025, yang mencerminkan kinerja industri perbankan yang solid dan risiko yang terjaga. Laporan ini menegaskan peran penting sektor perbankan dalam mendukung pertumbuhan ekonomi nasional di tengah dinamika global dan domestik. Intermediasi Meningkat, Kredit dan [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1303,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[290],"tags":[4639,76],"class_list":["post-6616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial","tag-lspi","tag-ojk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>LSPI Triwulan II-2025: Kinerja Perbankan Solid, Risiko Terjaga, dan Likuiditas Kuat - Regular-investor.com<\/title>\n<meta name=\"description\" content=\"Laporan Surveillance Perbankan Indonesia (LSPI) Triwulan II-2025 dari OJK menunjukkan kinerja perbankan nasional yang solid. 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