Jakarta, 12 September 2025 – Data from Statistics Indonesia reported that Indonesia’s economic growth remained solid at 5.12% in the second quarter of 2025, reflecting economic resilience amid global turbulence. However, at the individual level, OCBC’s latest Financial Fitness Index (FFI) 2025 shows a decline in the score for the first time in four years. Nevertheless, PT Bank OCBC NISP Tbk (OCBC) remains optimistic that Indonesians can “Win This Economy” by being FUNanciallyFIT, that is, staying financially healthy while living a fun life aligned with today’s lifestyle.

The 2025 FFI score was recorded at 40.60, a slight decrease from 41.25 in 2024. The drop in score was triggered by several factors such as: 89% of respondents saving regularly (down from 92%), and most concerning, only 19% of people stated they were ready with emergency funds if they lost their jobs, compared to 25% last year. The ability to manage unsecured debt effectively also declined, from 97.28 to 93.97.

“The decline in the FFI score is a wake-up call that in any economic situation, people must maintain their good financial habits such as practicing smart spending and smart saving in their daily lives. With the right financial literacy and simple discipline such as saving regularly and recording expenses, preparing emergency funds, managing debt wisely, and identifying investment opportunities, everyone can remain FUNanciallyFIT. This is the key to truly Win This Economy,” said Jeannette Erena Kristy Tampi, Marketing Communication Division Head of OCBC.

As part of the solutions for society to Win This Economy, OCBC provides various products that suit people’s needs. Nyala by OCBC, for example, through the OCBC NYALA Platinum Visa Credit Card & NYALA Global Debit Card, can help customers balance a modern lifestyle with principles of smart spending and structured financial planning. “Customers can carefully utilize and maximize Nyala by OCBC solutions for their daily needs while enjoying various attractive promotions at many favorite merchants and benefits from Poinseru. In addition, with Nyala, customers can enjoy unlimited free BI-FAST transfers, up to 30 free online interbank transfers, and up to 30 free e-wallet top-ups and monthly bill payments, which can help them save money and redirect those savings into investment,” added Jeannette.

Smart spending and saving habits are also very important to teach children from an early age. Young Nyala is specifically designed as a financial solution for parents with children under 17 years old to teach them to save and manage money wisely, supported by easy-to-use features, light financial education, and an ecosystem that encourages good habits from an early age. Through the Nyala service, OCBC hopes to accompany customers across all ages and segments to remain FUNanciallyFIT.

Furthermore, FFI 2025 also records positive signals, among them:

• The proportion of people who have not recorded their finances decreased from 81% to 77%.
• Retirement fund ownership increased from 25% to 29%, showing that long-term awareness has begun to grow, especially among the sandwich generation who want to ensure their family’s future remains secure.
• Ownership of complex investments such as mutual funds, stocks, and even crypto doubled from 2% to 4%, particularly among those who already understand risk management.
• Ownership of gold bars increased from 2% to 6%, although knowledge about this instrument still needs to be improved.

From a lifestyle perspective, people’s consumptive behavior has started to become more controlled because:

• Those who admitted to often spending money to keep up with their friends’ lifestyle decreased from 80% to 76%. This means that although the number is still high, awareness has started to grow that enjoyment can be achieved without sacrificing financial stability.
• However, a materialistic mindset has also strengthened, where 40% of respondents described “prosperity” as owning a luxury house (up from 33%), and 26% associated it with a luxury car (up from 22%).

Inggit Primadevi, Director of Strategic Analytics & Insights NielsenIQ (NIQ) Indonesia, said, “From a demographic perspective, the group with an income above IDR 40 million actually recorded an increase in score to 59.95, up from 58.72 last year, showing their resilience. However, the middle-income group (IDR 8–15 million) experienced a decline to 44.15, and the IDR 5–8 million group fell to 36.76. Pressure was also most felt by those aged 25–29, both married and unmarried, with a score of 39.00, down from 40.27.”

Inggit also noted the positive side of the current phenomenon. “We are seeing greater caution in long-term financial planning, as the increase in long-term investment ownership comes from those who already have the habit of saving regularly and already possess emergency funds. This means that some young Indonesians who already have good basic financial habits continue to look for ways to become healthier financially for the future. We are pleased that OCBC, as one of the financial institutions, can provide access, education, and products that are relevant to their needs.”

About Nyala Festival 2025
The launch of the Financial Fitness Index (FFI) 2025 is one of the main highlights of the Nyala Festival 2025, OCBC’s signature annual event. In its third year, Nyala Festival is held on 12–14 September 2025 at Senayan City, featuring more than 25 inspirational speakers presenting topics on finance, business, and parenting. In addition to talk shows, visitors can also participate in various inspirational classes, masterclasses, and interactive workshops designed so that everyone, from young professionals, families, to parents can find their own way to become more FUNanciallyFIT.

“Through Nyala Festival, we want to encourage society to see that being financially healthy can be enjoyable. We can still enjoy life, pursue lifestyle aspirations, while preparing for the future. That is the true meaning of Win This Economy by being FUNanciallyFIT,” concluded Jeannette.

In addition to financial education activities, Nyala Festival also features the Fun Travel Fair fully supported by Visa as part of smart spending. At the Travel Fair, OCBC cardholders can access special airfare offers from Garuda Indonesia, a wide selection of holiday packages with special discounts from Panorama JTB and Destination Tour, as well as convenience and special rates for visa services. There are also cashback programs of up to IDR 9 million and many other attractive offers available.

The event will also feature special musical performances by Barasuara, Isyana Sarasvati, and Sal Priadi, closing the festivities on a high note and reinforcing the spirit that being FUNanciallyFIT is about maintaining the balance between healthy finances and a FUN life.

OCBC Financial Fitness Index
The OCBC Financial Fitness Index 2025 is an annual study in collaboration with NielsenIQ (NIQ) Indonesia that illustrates the financial health of Indonesia’s young generation by examining their financial attitudes and behaviors. The 2025 Index marks the fifth year of this research, following the previous study released in August 2024. The study involved respondents aged 25–35 years living in Greater Jakarta, Surabaya, Medan, Bandung, and Makassar, with income above IDR 5 million and who own a bank account. To access the full OCBC Financial Fitness Index 2025, please visit ocbc.id/ruangmenyala.

About OCBC
PT Bank OCBC NISP Tbk (OCBC) was established in Bandung in 1941 under the name Nederlandsch Indische Spaar en Deposito Bank. Over its 84 years of journey, the Bank has undergone several name changes, from 'Bank NISP' to 'Bank OCBC NISP', and 'OCBC' on November 14, 2023. As of June 30, 2025, OCBC serves customers through 205 office networks in 54 cities in Indonesia. Furthermore, customers could conduct transaction through the Bank's 536 ATM, more than 90,000 ATM networks in Indonesia, and connected to more than 450 OCBC Group ATM networks in Singapore and Malaysia. OCBC also serves customers through various digital channels, including mobile banking and internet banking – both for individuals and corporations. OCBC is one of the banks with the highest credit ratings in Indonesia, namely AAA(_idn)/stable from PT Fitch Ratings Indonesia.

Brand & Communication Division, OCBC
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