No. 27/161/DKom
The latest Banking Survey conducted by Bank Indonesia indicates that new loan disbursements increased in the second quarter of 2025, despite moderating compared with the same period one year earlier. This was reflected by a Weighted Net Balance (WNB) of 85.22% in the second quarter of 2025, up from 55.07% in the first quarter of 2025 yet below the 89.11% recorded in the second quarter of 2024. Growth of new loan disbursements was driven by working capital loans and investment loans. Moving forward, respondents predict new loan disbursements to maintain growth in the third quarter of 2025, with the WNB predicted at 81.71%.
Respondents confirmed more cautious lending standards in the second quarter of 2025 compared with conditions in the first quarter of 2025, as reflected by a positive Lending Standards Index (LSI) of 0.08, primarily affecting credit lines, premium charges, collateral requirements and document requirements. In the third quarter of 2025, respondents expect lending standards to remain relatively unchanged, with a Lending Standards Index (LSI) of 0.02.
The latest Survey also reveals how respondents remain optimistic on credit growth moving forward until the end of 2025, driven by a promising monetary and economic outlook as well as relatively well mitigated risk when disbursing loans, among others.
The Banking Survey is available in full via the Banking Survey menu on the official Bank Indonesia website.
Jakarta 23th July 2025
Communication Department
Ramdan Denny Prakoso
Executive Director
