No.27/91/DKom 

The latest Banking Survey conducted by Bank Indonesia in the first quarter of 2025 indicates positive growth of new loan disbursements, despite moderating compared with the fourth quarter of 2024 in line with historical trends. This was reflected by a Weighted Net Balance (WNB) of 55.07% in the first quarter of 2025. Growth of new loan disbursements was driven by all loan segments. Moving forward, respondents predict new loan disbursements to accelerate in the second quarter of 2025, with the WNB prediction at 81.99%.

Respondents confirmed looser lending standards in the first quarter of 2025 compared with the fourth quarter of 2024, as indicated by a negative Lending Standards Index (LSI) of 1.32, with collateral requirements affected, among others. Moving forward, respondents expect the looser lending standards to persist in the second quarter of 2025, with a negative Lending Standards Index (LSI) of 1.39, affecting interest rates and document requirements.

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.

The Banking Survey is available in full via the Banking Survey menu on the official Bank Indonesia website.

Jakarta, 28rd April 2025
Communication Department
Ramdan Denny Prakoso
Executive Director