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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,

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

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

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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?

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Yeah, that's correct.

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We see a growing of third -party fund.

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

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

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so through the deposit -on -call arrangement.

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

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

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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.

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

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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?

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

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Go ahead, Pak David it?

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

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

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And I think there are some things

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that will support credit growth next year first the dovish monetary

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

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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.

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

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

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

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

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We appreciate it.

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Thank you, Siska.

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Thank you.

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Bu dersin kelimeleri ve konuşma notları

Bu konuşma dersi “ECONOMIC OUTLOOK” videosuna dayanıyor. En çok tekrarlanan kelimeler: growth, credit, bank, indonesia, banking. Bu videoda gölgeleme çalışması için 142 cümle ve 1671 kelime var. Konuşma bölümü 14:33 sürüyor. Konuşmacı dakikada yaklaşık 115 kelimelik dengeli bir hızla konuşuyor; gölgeleme için rahat bir tempo. Kelimelerin %82’i İngilizcede en sık kullanılan 3.000 kelime arasında; geri kalanına başlamadan önce bakmakta fayda var.

Bu videodaki önemli kelimeler

Videodan öğrenmeye değer 15 kelime, telaffuzu ve anlamıyla:

Kelime	Telaffuz	Anlam
uncertainty isim	/ʌnˈsɜːtənti/	belirsizlik, muğlaklık
ratio isim	/ˈɹeɪ.ʃoʊ/	oran
excess isim	/ˈɛksɛs/	fazlalık, şiddet
adopt fiil	/əˈdɑpt/	evlat edinmek
incentive isim	/ɪnˈsɛntɪv/	teşvik
lend fiil	/ˈlɛnd/	borç vermek, iğreti vermek
compare fiil	/kəmˈpɛɚ/	karşılaştırmak, kıyaslamak
encourage fiil	/ɪnˈkʌɹ.ɪd͡ʒ/	teşvik etmek, cesaretlendirmek
reflect fiil	/ɹɪˈflɛkt/	yansıtmak
margin isim	/ˈmɑɹ.d͡ʒɪn/	kenar
requirement isim	/ɹɪˈkwaɪɹmənt/	gereklilik, zaruret
arrangement isim	/əˈɹeɪnd͡ʒmənt/	ayarlama, düzenleme
highlight fiil	/ˈhaɪˌlaɪt/	altını çizmek
stance isim	/stæns/	duruş
injection isim	/ɪnˈd͡ʒɛk.ʃən/	enjeksiyon

Duyacağınız deyimsel fiiller

Kelime	Anlam
take out fiil	çıkarmak

Bu videodaki dil bilgisi

Konuşmacının en çok kullandığı yapılar, videodaki sözcüklerin aynısıyla:

Yapı	Videoda
Edilgen yapı be + fiilin üçüncü hâli — kimin yaptığı değil, ne olduğu önemli	was maintained · is reflected · can be done
Present perfect have/has + fiilin üçüncü hâli — geçmişte olan ama şimdi de önemli olan bir eylem	have obtained · has been driven · has been funneled

Dikkat edilecek telaffuzlar

Konuşmacı we'll, we're gibi kısaltılmış biçimleri 3 kez kullanıyor. Bunları duyduğunuz gibi kısa söyleyin.

“th” sesleri: strengthen /ˈstɹɛŋ(k)θən/, thirdly /ˈθɚdli/
“sh” ve “zh” sesleri: ratio /ˈɹeɪ.ʃoʊ/, injection /ɪnˈd͡ʒɛk.ʃən/, cautious /ˈkɔːʃəs/, contrast /kənˈt(ʃ)ɹæst/, shock /ʃɔk/
Uzun kelimeler — vurguyu doğru yere koyun: uncertainty /ʌnˈsɜːtənti/, accelerate /ɪkˈsɛl.əˌɹeɪt/, monetary /ˈmʌnɪtəɹi/, importantly /ɪmˈpɔɹ.tənt.li/, orientation /ˌɔː.ɹi.ənˈteɪ.ʃən/

Türkçe konuşanların zorlandığı sesler:

/w/ — dudaklar yuvarlak, /v/ değil: meanwhile /ˈmiːnwaɪl/, requirement /ɹɪˈkwaɪɹmənt/, adequate /ˈæd.ə.kwɪt/, liquidity /lɪkˈwɪdəti/, weaken /ˈwikən/
Kelime başındaki ünsüz kümesi — araya ünlü eklemeyin: slight /slaɪt/, gradually /ˈɡɹæd͡ʒuəli/, prospect /ˈpɹɑspɛkt/, stance /stæns/, gross /ɡɹoʊs/
/æ/ — “e”den daha açık: gradually /ˈɡɹæd͡ʒuəli/, stance /stæns/, catalyst /ˈkæt.ɪ.lɪst/, contrast /kənˈt(ʃ)ɹæst/, substantial /səbˈstænʃəl/

Bu videoyla nasıl çalışılır

Videonun tamamını konuşmadan bir kez dinleyin ve bilmediğiniz kelimeleri not edin.
Normal hızda cümle cümle tekrar edin; ritminiz konuşmacıyla aynı olana kadar her cümleyi yineleyin.
Kendinizi kaydedin ve orijinaliyle karşılaştırın; uncertainty, ratio, excess gibi kelimelere özellikle dikkat edin.

Gölgeleme Tekniği Nedir?

Gölgeleme, başlangıçta profesyonel tercüman eğitimi için geliştirilen ve çok dilli Dr. Alexander Arguelles tarafından popüler hale getirilen, bilim destekli bir dil öğrenme tekniğidir. Yöntem basit ama güçlüdür: ana dili İngilizce olan bir sesi dinler ve hemen yüksek sesle tekrar edersiniz — konuşmacıyı 1-2 saniye gecikmeyle takip eden bir gölge gibi. Pasif dinleme veya dilbilgisi alıştırmalarının aksine, gölgeleme beyninizi ve ağız kaslarınızı gerçek konuşma kalıplarını eşzamanlı olarak işlemeye ve yeniden üretmeye zorlar. Araştırmalar, telaffuz doğruluğu, tonlama, ritim, bağlı konuşma, dinleme anlama ve konuşma akıcılığını önemli ölçüde geliştirdiğini göstermektedir — bu da onu IELTS Konuşma hazırlığı ve gerçek dünya İngilizce iletişimi için en etkili yöntemlerden biri yapar.

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