Amid various pressures of global uncertainty and various indications of a slowdown in the domestic economy, the Financial Services Authority (OJK) is optimistic that the banking sector will still show stable performance. Its risk profile was maintained until the end of the year despite the slowdown in June 2025.
National bank lending reached IDR 8,060 trillion in June 2025, or grew 7.77% on an annual basis (YoY). The pace of lending was recorded to slow down when compared to the previous month which grew 8.43% (YoY).
OJK Chief Executive of Banking Supervision Dian Ediana Rae said, based on the type of use, Investment Credit grew the highest at 12.53 percent, followed by Consumer Credit at 8.49 percent. Meanwhile, working capital loans grew by 4.45 percent (YoY).
In terms of ownership, credit from domestic national private commercial banks grew the highest, by 10.78 percent (YoY). From the debtor category, corporate loans grew by 10.78 percent. Meanwhile, UMKM loans grew by 2.18 percent, amidst banking efforts that focus on restoring the quality of UMKM loans.
Then, lending to the mining and quarrying sector recorded the largest growth, at 20.69% (YoY).
The services sector also grew significantly by 19.17% (YoY), followed by the transportation and communication sector which grew 17.94% (YoY), and the electricity, gas, and water sector which experienced growth of 11.23% (YoY).
"When viewed by economic sector, lending to some of these sectors grew at a high annual rate, reaching double digits," Dian said at the OJK RDK Press Conference in Jakarta on August 4, 2025.
Furthermore, in terms of funding, Dian explained that third-party funds (DPK) were recorded to grow 6.96% (YoY) to Rp9,329 trillion. The current account component recorded a growth of 10.35%, savings of 6.84%, and deposits of 4.19%.
He assessed that the decline in Bank Indonesia's benchmark interest rate or BI-Rate also encouraged a decline in bank interest rates. The decline in the BI rate was also followed by a decline in bank interest rates. Meanwhile, the average deposit interest rate (DPK) also began to show a downward trend compared to the previous month.
The liquidity level of national banks in May 2025 was also considered adequate, as reflected in the ratio of liquid assets to non-core deposits (AL/NCD) which stood at 118.78 percent, and the ratio of liquid assets to deposits (AL/DPK) at 27.05 percent. Both ratios are well above the minimum threshold set at 50 percent and 10 percent respectively.
In terms of asset quality, the ratio of non-performing loans (NPL) is also still under control. Gross NPL was recorded at 2.22 percent, and net NPL at 0.84 percent.
Meanwhile, the loan at risk (LAR) ratio decreased to 9.73 percent, which according to Dian, has returned to pre-pandemic levels. Banking resilience is also reflected in strong capitalization, with the capital adequacy ratio (CAR) at a high level of 25.81 percent.
Banking performance is still good
Signals that the banking sector is still stable are reflected in the performance of banks that are still recording positive growth. PT Bank Central Asia Tbk (IDX: BBCA) and its subsidiaries posted credit growth of 12.9% on an annual basis (YoY) to Rp959 trillion as of June 2025.
This growth was supported by lending in various segments, as well as maintaining the company's liquidity condition. In line with the achievement of loan and funding growth as well as transaction banking volume, the net profit performance of BCA and its subsidiaries grew 8% YoY to Rp 29 trillion in the first semester of 2025.
"BCA's credit growth was positive in various segments, ranging from corporations, UMKM, and consumers. BCA always disburses credit prudently, considering the principle of prudence with discipline in implementing risk management," said President Director of PT Bank Central Asia Tbk, Hendra Lembong.
BCA's corporate loans grew 16.1% YoY to reach Rp451.8 trillion as of June 2025. Commercial loans rose 12.6% YoY to Rp143.6 trillion, and SME loans increased 11.1% YoY to Rp127 trillion. Supported by mortgage growth of 8.4% to Rp137.6 trillion, and motor vehicle loans (KKB) of 5.2% to reach Rp65.4 trillion, total consumer loan growth reached 7.6% YoY to Rp226.4 trillion.
Outstanding other consumer loans (mostly credit cards) grew 9.4% YoY to reach Rp23.4 trillion. BCA's loan quality was solid, reflected in the loan at risk (LAR) ratio of 5.7% in the first semester of 2025, an improvement from 6.4% a year earlier. Non-performing loan (NPL) ratio was managed at 2.2%. NPL and LAR provisioning were adequate at 167.2% and 68.7% respectively.
The same thing was also recorded by PT Bank Rakyat Indonesia (Persero) BRI. This state-owned bank also recorded positive and resilient performance throughout the second quarter of 2025. The profit of BRI Group reached Rp26.53 trillion with assets worth Rp2,106.37 trillion or grew 6.52% year on year (YoY) until Quarter II-2025.
President Director of BRI Hery Gunardi explained,BRI will continue to strengthen performance through ongoing transformation, namely'BRIVolution Reignite'.
"BRI will improve the funding structure for healthy CASA growth through segmentation of deposit services, simplification of products, acceleration of current accounts, strengthening digital channels, and strengthening brands to strengthen positions in the retail and wholesale markets," Hery said in a written statement.
Not only that, BRI's transformation will also focus on improving core business and developing new growth engines(new core).
"BRI is also reviewing the micro business model and improving business processes, increasing the capability of mantri, and expanding pawn/bullion services. On the other hand, BRI will also strengthen the dominance of the payroll business, as well as increase the middle segment business and accelerate the growth of the commercial segment," said Hery.
