Indonesia’s banking industry recorded robust intermediation performance at the end of 2025, with national credit distribution growing by 7.74% year-on-year in November. According to the Financial Services Authority (OJK), the total outstanding credit reached IDR 8,314.48 trillion, fueled primarily by strategic infrastructure sectors. The utilities sector—encompassing electricity, gas, and water—saw a staggering surge of 21.83%, while the transportation and warehousing sector grew by 18.33%. Notably, investment credit hit a decade-high growth rate of 17.98%, with mining and manufacturing serving as the main engines behind this long-term production capacity expansion.
For industry stakeholders and association members, this upward trend is supported by high banking liquidity, as Third-Party Funds (DPK) jumped 12.03% to reach IDR 9,899.07 trillion. This abundance of funds has been accompanied by a decline in average rupiah lending rates to 8.97%, further encouraging business expansion. While corporate lending remains dominant with a 12.06% increase, the overall financial ecosystem shows a solid foundation for the 2026 economic outlook. The OJK projects that this momentum will continue to stimulate real sector productivity, backed by strong capital and a conducive interest rate environment for domestic industries.
