Banking Credit Grows 7.74 Percent in November 2025

JAKARTA - The Financial Services Authority (OJK) reported that bank credit growth in November 2025 reached 7.74 percent year on year (yoy) with a total disbursement of Rp8,314 trillion or higher than the credit growth in the previous month which was recorded at 7.36 percent (yoy).

The Head of the OJK Banking Supervisory Executive, Dian Ediana Rae, said that credit growth showed acceleration towards the end of 2025, in line with the performance of banking intermediation which remained stable.

"The performance of banking intermediation shows a stable performance with a maintained risk profile and liquidity at an adequate level. In November 2025, credit grew by 7.74 percent year-on-year, up from the previous month's 7.46 percent, with total credit reaching around Rp. 8,314 trillion," he said at the RDK Press Conference, Friday, January 9.

He added that by the end of 2025, the performance of banking intermediation is projected to be more solid, with credit growth expected to be above the lower limit of the target set by the OJK.

"Meanwhile, DPK is believed to have achieved double-digit growth. This shows that the banking industry has been able to overcome various challenges in credit management and the real sector has begun to show improvements in demand," he explained.

Dian explained that based on the allocation, investment loans recorded the highest growth in November 2025 of 17.98 percent, followed by consumer loans which grew 6.67 percent and working capital loans of 2.04 percent.

Meanwhile, from the debtor group, corporate loans recorded growth of 12 percent, while the distribution of loans to the MSME segment is still contracting.

On the other hand, the banking third-party fund (DPK) in November 2025 grew 12.03 percent (yoy) to Rp9,899 trillion, an increase compared to October 2025 which recorded a growth of 11.48 percent.

Meanwhile, the liquidity of the banking industry also remained at an adequate level, namely the ratio of liquid assets/non-core deposits (AL/NCD) was recorded at 131.49 percent and the ratio of liquid assets/DPK (AL/DPK) was 29.67 percent.

"It is still above the threshold of 50 percent and 10 percent. As for the liquidity coverage ratio (LCR) is at the level of 210.38 percent," he said.

In terms of asset quality, national banking is still maintained with a gross non-performing loan (NPL) ratio of 2.21 percent and a net NPL of 0.86 percent and loan at risk (LAR) recorded at 9.22 percent.

Dian said the resilience of the national banking industry remained strong, reflected by the capital adequacy ratio (CAR) which was at a high level of 26.05 percent.

"This becomes a strong risk mitigation cushion to anticipate global uncertainty conditions," he concluded.