쉐도잉 연습: ECONOMIC OUTLOOK | 2025 BANKING PERFORMANCE & PROSPECT FOR 2026 - 영상으로 영어 말하기 배우기

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We'll continue now with news from the banking industry in Indonesia.

Bank credit growth in Indonesia slowed again in October 2025 amid global economic uncertainties, leading businesses to adopt a wait -and -see approach.

Here are the highlights of the national banking industry as of October this year.

The Financial Services Authority, or OJK,

recorded the loan growth declining to 7 .36 % in October from 7 .7 % the previous month,

reaching 8 ,220 trillion rupiah, about $498 billion.

U .S.

dollars.

OJK Chief Executive for Banking Supervision Dian Adriana Ray said in a press conference recently

that investment credit become the main driver during the period,

increasing by 15 .72%, higher than 15 .18 % in September.

Meanwhile, consumer loan growth fell to 7 .03 % from 7 .42 % the previous month.

Working capital credit experienced grid pressure rising only 2 .39 % lower than September's growth of 3 .37%.

Among borrowers, the OJCA recorded solid corporate credit growth of 11 .02%,

while Micro, Small, and Medium Enterprises credit experienced a slight contraction of 0 .11%.

On the funding side, third -party funds recorded growth of 11 .48%,

higher than September's 11 .18%, with total funds held at 9 ,756 .6 trillion rupiah.

From a risk perspective, credit quality was maintained with a gross non -performing loan or NPL ratio of 2 .25%,

a slight increase from 2 .24 % from the previous month.

The loan -at -risk position actually improved, falling to 9 .41 % from 9 .52 % in September.

The banking industry remains resilient, with the capital advocacy ratio reaching 26 .38%,

an increase from 26 .15 % in September.

Bank Mandiri, Bank Rakyat Indonesia,

Bank Sentral Asia, and Bank Negara Indonesia leading in assets and market presence with other significant players including

Bank Sariah Indonesia, CIMB Niaga, and OCBC, and ISPs serving diverse retail,

corporate, and digital banking needs.

Meanwhile, Bank Indonesia considers that business actors are still adopting a wait -and -see approach

while corporations are relying on internal financing

while lending rates remain relatively high in a recent statement bang indonesia stated

that undisbursed loans remain quite substantial reaching 2450 .7 trillion rupiah

or 22 .97 of the total credit ceiling indicating suboptimal credit

absorption on the other hand banks capacity to disburse credit remains adequate,

driven by the liquidity ratio to third -party funds,

which rose to 29 .47 % and deposit growth of 11 .48 % in October 2025.

However, according to BAE, banking interest in disbursing credit is actually quite good.

This is reflected in increasingly relaxed lending requirements.

Although requirements for consumer and MSME loans remain stringent due to the high risk in these segments,

this situation has further depressed MSME credit growth falling to minus 0 .11 % year -on -year.

Baye estimates that credit growth in 2025 will be at the lower end of the 8 %

and 11 % target and will increase in 2026.

Going forward, Bank Indonesia will continue to strengthen coordination with the government

and the Financial Systems Stability Committee to encourage credit growth and improve the interest rate structure," BEI stated.

Amidst the slowdown in credit distribution, BEI assesses that the resilience of the banking sector remains solid.

Thank you.

The Indonesian banking industry continues to show solid performance this year.

Although loan growth slightly declines amid moderate economic growth and global uncertainties, but we're also going to discuss more because joining us today,

Bapak David Sumwal, Chief Economist at Bank Central Asia, will share his insights on the performance of the national banking industry this year and,

more importantly, its prospects for next year.

Hello, good day, Pak David.

Welcome to Economic Outlook.

Hello, good day, Siska.

Thank you so much for making time to join us.

Now that we are approaching the end of year, this is the perfect opportunity to do somewhat of an assessment of the banking industry,

of the highlights, and also what makes it successful and what can be done to make it better in the next year.

Let's go over the factors one by one, Pak David starting with the credit growth

that declined to 7 .36 % in October based on the report of the Financial Authority Agency.

This compared to 7 .7 % in the same month last year.

Now, Badafit, what are the factors causing this decline?

Actually, we have already here the number in November.

The November's number actually 7 .7%.

So basically, in the last three months, hovering around 7 .3 % to 7 .7%.

So it's relatively moderate traded growth in late of 2025.

The problem is actually in the demand side.

So the corporates continue to adopt wait -and -see stance yeah in the yeah during the year

so basically because of the uncertainty so the global growth also weakening lately

and also we see a soft consumer demand yeah especially in the first half of this year

and there is also a shift in financing sources actually in corporations towards self -financing

so basically they try to use their uh retained earnings yeah

so it's also reflected in the decline in working capital

so the number in october only 2 .4 percent so keeps declining

and we see also some corporates also shifting their financing to stock market

so the growth of corporate bond is quite amazing this year so right now we see the number until november around 58%.

So 200 trillion of new corporate bonds issuance in 2025.

And basically on the supply side most of the banks also remain cautious particularly for the SME.

So we see the SME non -performing loan also getting higher right now around 4 .5 % in November.

So that's why the SME credit growth is declining,

only around 0 .5%, 0 .6 % of credit growth in October, Siska.

Okay.

Pak David, you mentioned about many entrepreneurs are still taking a wait -and -see approach

when it comes to taking out new credit.

And this is due to a lot of factors, including global uncertainties.

How long do you think this will go on?

Will this proceed all the way to 2026?

If so, how long do you think this will be the trend?

Basically, it seems to me that most of them, they are still cautious due to the global economic uncertainty.

Because perhaps, you know, in April, President Trump announced the tariff for all the countries in the world.

And also, lately, in the second half of this year, the commodity prices are still declining

so uh basically in the first half of this year we we see consumer confidence also weakening

and so uh recently actually uh uh it's quite encouraging lately

because uh according to the big data yeah uh the consumer spending start to accelerate yeah

that's a very good news and actually the corporate balance sheet is still strong.

That's why we may see some catalysts next year,

particularly coming from the declining of the benchmark rates.

So BI and also the global central banks, they will continue to reduce rates next year.

This will be a good catalyst for credit growth next year.

And there is also global government liquidity injection into the state -owned banks recently,

and also some macroprudential policy from the central bank.

So the central bank gives incentive policy in December 2025,

and it is expected to support further adjustment also in the lending rates.

100

So combined with the ongoing economic recovery,

101

these measures, I anticipate, will gradually support the rebound of credit growth going forward, Siska.

102

Okay, Pak David, we also have obtained information that in contrast of the declining of credit growth,

103

third -party fund growth is quite high at 11 .48%, meaning there are a large amount of funds that are not disbursed.

104

Now, what do you think is the impact on bank financial performance, especially when it comes to profit margin?

105

Yeah, that's correct.

106

We see a growing of third -party fund.

107

And some of the high growth actually has been driven by the recent liquidity injection by the Ministry of Finance

108

so around $276 trillion into the state -owned enterprise banks,

109

so through the deposit -on -call arrangement.

110

And the other factors, actually, is an accelerated of the government spending starting in July, August this year.

111

So we have a strong growth in third -party funds, but the credit expansion actually getting slower.

112

So we have excess liquidity.

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So this will be very tough for the bank's profit margins actually.

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So that's why the excess liquidity so far has been funneled to some instruments

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which have lower yield compared to the credit disbursements or credit as a whole.

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and but recently the bank indonesia has a new policy so

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so bank indonesia right

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now provide incentives policy by providing also remuneration around 3 .5 percent for bank banks excess reserve

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so uh i hope this may help offset also the uh the cost the funding cost increasing funding costs,

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and also supports banks' financial performance going ahead.

121

And we also hope that the credit demands gradually recover next year.

122

All right, Pak David, I have one last question before I let you go.

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How do you see the prospect for the national banking industry in 2026?

124

And are you optimistic that economic growth will reach 6 % as predicted by Finance Minister Purbaya Yudi Sadewa?

125

Go ahead, Pak David it?

126

Yeah, I see the global interest rates are still trending down, especially in advanced economies next year.

127

And this will also give additional easing policy space for Bank Indonesia to cut rates next year.

128

And I think there are some things

129

that will support credit growth next year first the dovish monetary

130

stance of the bank indonesia second the impact of the macro prudential liquidity incentive

131

that i hope will start to kick in and thirdly we also hope

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that the government's policy orientation that's still pro -economic growth will also give us so conducive environment for banks' performance next year.

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And we have some international trade arrangements lately, particularly with the European Union.

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And we hope also our exports are also getting better next year.

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And at the same time, we'll hope also the SME segments are also getting better.

136

Right now it's still a key concern for the banking sector because of the economic shocks lately.

137

The credit growth is really small for the SME segment, and we hope that next year will be better for SME.

138

All right, Bapak David Sumual, Chief Economist at Bank Central Asia.

139

Thank you so much for sharing with us your time and your insights.

140

We appreciate it.

141

Thank you, Siska.

142

Thank you.

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이 레슨의 어휘와 말하기 포인트

이 말하기 레슨은 영상 “ECONOMIC OUTLOOK”을(를) 바탕으로 합니다. 가장 자주 반복되는 단어는 다음과 같습니다: growth, credit, bank, indonesia, banking. 이 영상에는 섀도잉할 문장 142개와 단어 1671개가 있습니다. 말하는 구간의 길이는 14:33입니다. 화자는 분당 약 115단어의 일정한 속도로 말해서 섀도잉하기에 편한 속도입니다. 단어의 82%가 영어에서 가장 많이 쓰이는 3,000단어에 속합니다. 나머지는 연습 전에 미리 확인해 두세요.

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영상에 나오는 익혀 둘 만한 단어 15개를 발음, 뜻과 함께 정리했습니다.

단어	발음	뜻
uncertainty 명사	/ʌnˈsɜːtənti/	불확실
ratio 명사	/ˈɹeɪ.ʃoʊ/	비, 비율
excess 명사	/ˈɛksɛs/	우수리
adopt 동사	/əˈdɑpt/	입양하다
lend 동사	/ˈlɛnd/	빌리다
compare 동사	/kəmˈpɛɚ/	비교하다, 비유하다
encourage 동사	/ɪnˈkʌɹ.ɪd͡ʒ/	격려하다
reflect 동사	/ɹɪˈflɛkt/	반사(反射)하다
margin 명사	/ˈmɑɹ.d͡ʒɪn/	여백, 마진
moderate 형용사	/ˈmɑdəɹət/	적당하다
requirement 명사	/ɹɪˈkwaɪɹmənt/	요구
deposit 명사	/dɪˈpɑ.zɪt/	퇴적물
slight 형용사	/slaɪt/	약간의
gradually 부사	/ˈɡɹæd͡ʒuəli/	점점, 점차
injection 명사	/ɪnˈd͡ʒɛk.ʃən/	주사

이 영상의 문법

화자가 가장 많이 쓰는 문형을 영상 속 실제 표현과 함께 정리했습니다.

문형	영상 속 표현
수동태 be + 과거분사 — 누가 하는지보다 무슨 일이 일어나는지에 초점	was maintained · is reflected · can be done
현재완료 have/has + 과거분사 — 과거의 일이 지금도 관련이 있을 때	have obtained · has been driven · has been funneled

주의할 발음

화자는 we'll, we're 같은 축약형과 약화된 형태를 3번 사용합니다. 들리는 대로 짧게 발음하세요.

“th” 소리: strengthen /ˈstɹɛŋ(k)θən/, thirdly /ˈθɚdli/
“sh”와 “zh” 소리: ratio /ˈɹeɪ.ʃoʊ/, injection /ɪnˈd͡ʒɛk.ʃən/, cautious /ˈkɔːʃəs/, contrast /kənˈt(ʃ)ɹæst/, shock /ʃɔk/
긴 단어 — 강세 위치에 주의: uncertainty /ʌnˈsɜːtənti/, accelerate /ɪkˈsɛl.əˌɹeɪt/, monetary /ˈmʌnɪtəɹi/, importantly /ɪmˈpɔɹ.tənt.li/, orientation /ˌɔː.ɹi.ənˈteɪ.ʃən/

한국어 화자가 어려워하는 소리:

/f/ — ㅍ(/p/)으로 바꾸지 말고 윗니를 아랫입술에 대기: reflect /ɹɪˈflɛkt/, offset /ˈɔf.sɛt/, funnel /ˈfʌnəl/, tariff /ˈtæɹəf/
/v/ — ㅂ(/b/)과 구별하기: incentive /ɪnˈsɛntɪv/, recover /ɹɪˈkʌvɚ/, diverse /daɪˈvɜːs/, advocacy /ˈæd.və.kə.si/, conducive /kənˈdjuːsɪv/
/z/ — ㅈ이 아니라 성대를 울리는 /s/: deposit /dɪˈpɑ.zɪt/, enterprise /ˈɛntəˌpɹaɪz/, ease /iz/, resilience /ɹɪˈzɪl.ɪ.əns/, resilient /ɹɪˈzɪl.jənt/

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자신의 목소리를 녹음해 원본과 비교하고, uncertainty, ratio, excess 같은 단어에 특히 주의합니다.

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쉐도잉(Shadowing)은 원래 전문 통역사 훈련을 위해 개발된 언어 학습 기법으로, 다언어 학자인 Dr. Alexander Arguelles에 의해 대중화된 방법입니다. 핵심 원리는 간단하지만 매우 강력합니다: 원어민의 영어를 들으면서 1~2초의 짧은 지연으로 즉시 소리 내어 따라 말하는 것——마치 '그림자(shadow)'처럼 화자를 따라가는 것입니다. 문법 공부나 수동적인 청취와 달리, 쉐도잉은 뇌와 입 근육이 동시에 실시간으로 영어를 처리하고 재현하도록 훈련합니다. 연구에 따르면 이 방법은 발음 정확도, 억양, 리듬, 연음, 청취력, 말하기 유창성을 크게 향상시킵니다. IELTS 스피킹 준비와 자연스러운 영어 소통을 원하는 분들에게 특히 효과적입니다.

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쉐도잉 연습: ECONOMIC OUTLOOK | 2025 BANKING PERFORMANCE & PROSPECT FOR 2026 - 영상으로 영어 말하기 배우기

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