Anastasya Lavenia Yudi, Jakarta – The Banking Surveillance Report of Indonesia published by the Financial Services Authority (OJK) revealed that the distribution of commercial bank credit in Indonesia in the second quarter of 2025 grew by 7.77 percent year on year. This figure slowed down compared to the same period in the previous year, which grew by 12.36 percent year on year.
Dian Ediana Rae, Chief Executive of Banking Supervision at OJK, stated that as of June 2025, the intermediation function has been running positively in line with the strong increase in credit distribution and public fund collection.
"OJK also encourages banks to always prioritize the principles of prudential banking, professionalism, innovation, and always maintain integrity in order to achieve high, healthy, and sustainable growth," said Dian in a press release quoted on Sunday, October 12, 2025.
Based on the OJK report, the largest portion of commercial bank credit distribution is to non-business household sectors, at 23.54 percent. Credit distribution in this sector grew by 8.93 percent year on year, slowing down from the previous year's growth of 10.64 percent year on year.
Meanwhile, for productive loans, the economic sector with the largest portion of credit distribution is the manufacturing industry at 15.34 percent. Credit in this sector grew by 6.2 percent year on year, slowing down from the previous year's growth of 9.79 percent year on year.
The next largest distribution of productive loans is in the wholesale and retail trade; repair and maintenance of motor vehicles and motorcycles, at 15.21 percent. This sector also slowed to 1.90 percent year on year from the previous year's 9.38 percent year on year.
Prior to this, OJK claimed that the trend of credit distribution in September 2025 increased after state-owned association banks (Himbara) received a capital injection of Rp200 trillion from the government.
During the Monthly Commissioner Meeting Results press conference held by OJK online, Dian Ediana Rae stated that the funds from the government's Budget Surplus had been gradually disbursed in five Himbara banks. "The portion disbursed is quite significant," said Dian in the online press conference on Thursday, October 9, 2025.
– Adil Al Hasan contributed to the writing of this article.