Undisbursed loans in Indonesia's banking sector have reached Rp 2.490 trillion, representing 21.52% of total credit ceilings, according to data from Bank Indonesia.
The central bank noted that despite the high volume of unused credit lines, overall loan disbursement remains aligned with targets set for the end of 2026.
A 21.5% rate of undisbursed loans suggests that while banks are willing to extend credit, borrowers may be hesitant to draw down funds, or banks are maintaining strict disbursement criteria.
The figure highlights a divergence between approved credit limits and actual fund deployment.
A 21.5% rate of undisbursed loans suggests that while banks are willing to extend credit, borrowers may be hesitant to draw down funds, or banks are maintaining strict disbursement criteria.
This dynamic can impact net interest margins and liquidity management for lenders, as committed but undrawn lines still carry capital requirements.
The data comes as global credit markets show mixed signals.