Bank Loan Disbursement in Indonesia Increased by the End of Semester I 2025

Economics & Macro

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Adi Ahdiat 16/09/2025 11:30 WIB

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According to OJK data, Indonesian banking credit disbursement continued to increase until the end of the first semester of 2025, accompanied by a decrease in the non-performing loan (NPL) ratio.

Total Disbursement of Credit from Commercial Banks and Non-Performing Loan Ratio in Indonesia (January 2020-June 2025)

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Total Disbursement of Credit from Commercial Banks and Non-Performing Loan Ratio in Indonesia (January 2020-June 2025)

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Bank lending in Indonesia increased by the end of the first semester of this year.

According to data from the Financial Services Authority (OJK), the total value of bank lending to non-bank third parties nationwide reached Rp8.06 quadrillion in June 2025.

This figure grew by 0.8% month-to-month (m-o-m) and increased by 7.8% year-on-year (y-o-y).

This increase in lending was accompanied by a decrease in the non-performing loan (NPL) ratio.

In June 2025, the value of non-performing loans in national commercial banks reached Rp179.2 trillion, equivalent to 2.22% of total credit disbursement.

This ratio was lower than the previous month and slightly lower than June of the previous year, which had a ratio of 2.26%.

Of the total value of national bank lending in June 2025, 44% was working capital loans, 29% investment loans, and 27% consumer loans.

The highest NPL ratio was in the working capital loan segment.

Here is a breakdown of lending and non-performing loans in Indonesian banks by segment in June 2025:

1. Working Capital Loans

Loan disbursement value: Rp3.54 quadrillion
Non-performing loan (NPL) value: Rp97.39 trillion
Non-performing loan (NPL) ratio: 2.75%

2. Investment Loans

Loan disbursement value: Rp2.32 quadrillion
Non-performing loan (NPL) value: Rp32.33 trillion
Non-performing loan (NPL) ratio: 1.39%

3. Consumer Loans

Loan disbursement value: Rp2.2 quadrillion
Non-performing loan (NPL) value: Rp49.48 trillion
Non-performing loan (NPL) ratio: 2.25%

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."