OJK Predicts Stabilization in Banking Undisbursed Loans

Economic Recovery to Drive Credit Growth

The Financial Services Authority (OJK) has indicated that the trend of undisbursed loans in the banking sector is expected to stabilize as banks adjust their business strategies and economic conditions improve. According to Bank Indonesia data, the value of undisbursed loans rose to Rp 2,509.4 trillion in November 2025. While this figure remains high, OJK views it as indicative of potential future credit realization.

Positive Implications for Real Sector Growth

Dian Ediana Rae, OJK's Executive Head of Banking Supervision, noted that the significant amount of unreleased credit commitments suggests potential for increased credit realization should economic conditions improve and business confidence grow. In such a scenario, credit disbursement is likely to rise, thereby supporting real sector growth. The moderation in undisbursed loan growth is expected to occur as banks adjust their business strategies, according to Dian.

Future Outlook

The OJK's assessment suggests that the banking sector is poised for potential growth in credit disbursement, contingent on continued economic improvement. This development is expected to have a positive impact on the overall economy by facilitating increased business activity and investment.