BISNIS.COM — The Financial Services Authority (OJK) emphasized that the stability of the banking sector plays an important role in maintaining the recovery of the national economy. This support includes financing for the automotive industry, which has the ability to drive many other sectors such as employment, consumption, and supporting industries.
In the Indonesian Banking Surveillance Report (LSPI) for the Second Quarter of 2025, OJK stated that Indonesia’s financial condition remains stable. Banks continue to perform well in extending loans and collecting public funds. This stability provides a strong foundation for businesses—especially the automotive industry—to continue growing and contributing to national economic growth (gross domestic product, GDP).
OJK’s Chief Executive for Banking Supervision, Dian Ediana Rae, explained that loan disbursement and public fund collection (third-party funds, or DPK) continued to increase through June 2025. Asset quality also improved as credit risk declined. Meanwhile, bank liquidity and capitalization remain at safe levels.
“OJK encourages banks to continue applying the principles of prudential banking, professionalism, and innovation so that banking growth remains healthy and sustainable,” said Dian on Saturday, October 11, 2025.
OJK data show that as of August 2025, DPK grew by 8.51 percent year-on-year (YoY), higher than credit growth of 7.56 percent (YoY). The gross non-performing loan (NPL) ratio was recorded at 2.28 percent. Meanwhile, the capital adequacy ratio (CAR) remained high at 26.03 percent.
The LSPI report also highlighted the strategic role of the automotive industry in the national economy. This industry makes a significant contribution to GDP and has broad ripple effects, from job creation to increased consumption and the growth of supporting industries.
Although the growth of the automotive industry remains unstable, Indonesia’s position in the global automotive landscape strengthened, ranking among the world’s top 15 vehicle producers in 2024. OJK assessed that synergy between the banking sector, the automotive industry, and the government is key to addressing challenges while creating new growth opportunities.
“Healthy banking institutions are capable of channeling optimal financing to productive sectors, including automotive, thereby strengthening the competitiveness of the national economy,” OJK stated in its report.
(*)
