The results of the OJK’s Banking Business Orientation Survey show that the Banking Business Orientation Index (IBP) indicates an optimistic perception for the second quarter of this year. The index remained in the optimistic zone at a level of 59, although slightly down from 60 in the previous quarter. Meanwhile, the Macroeconomic Conditions Expectation Index (IKM) recorded a lower value at 34. On the other hand, the Risk Perception Index (IPR) increased to 58 from 55, and the Performance Expectation Index (IEK) rose to 85 from 74. This optimism is supported by expectations of continued growth in financial intermediation and confidence in the banking sector’s ability to manage risks effectively
Banking risks remained well-contained and manageable in the second quarter of 2025 (2Q25). The Risk Perception Index (IPR) increased to 58 from 55 in the previous quarter. In line with the rise in credit disbursement, banks have been intensifying efforts in credit risk monitoring and management. This is accompanied by projected improvements in the non-performing loan (NPL) ratio during the same period.
Optimism regarding banking performance continues, driven by a rise in the Performance Expectation Index (IEK), which increased to 85 from 74 in the previous quarter. The growth in third-party fund collection (DPK) is expected to be higher, fueled by an increase in deposit growth. This is despite a decline in the BI-Rate, with DPK interest rates anticipated to remain stable. These developments align with efforts by banks to increase low-cost funds (CASA) to support credit disbursement targets, alongside projections of rising credit demand.
