BI Projects Distribution Of New Banking Loans Weakening Early In The Year
JAKARTA - Bank Indonesia (BI) estimates that the distribution of new banking loans in early 2024 will be sluggish. This is indicated by the results of a survey to banks showing the weighted net balance value (SBT) in December 2023 was recorded at 73.3 percent, higher than the SBT in the previous month of 70.4 percent.
Berdasarkan kategori bank, peningkatan penyaluran kredit baru pada Desember 2023 diprakirakan terjadi pada hampir seluruh kategori bank, kecuali BPD yang diprakirakan menurun dibandingkan bulan sebelumnya. SBT BPD susat dari 75,9 persen per November 2023 menjadi 13,7 persen per Desember 2023.
Judging from the type of use, new credit distribution in December 2023 is indicated to increase in almost all types of credit, except for other consumption loans other than home ownership loans (KPR) which are indicated to be stable at the SBT level of 66.9 percent.
Meanwhile, seeing the realization of new lending in December 2023, which indicated an increase of 73.3 percent higher than the SBT in November 2023 was 70.4 percent.
Meanwhile, the condition of new bank credits became sluggish in early 2024, indicated from the estimated value of SBT for new credit disbursement in January 2024 of 13.6 percent, followed by 73.3 percent the previous month.
Meanwhile, the slowdown in new lending in January 2024 is predicted to occur in all bank categories and in all types of credit.
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In the Banking Financing Offers and Demand Survey released by BI, it estimates that Regional Development Banks (BPD) will become a bank category that will experience the toughest conditions in disbursing new loans in early January this year.
Even the deepest correction was with a decrease of up to 15.3 percent from December 2023 which was still positive at the SBT level of 13.7 percent, and compared to other bank categories which are estimated to still increase in growth.
As of January 2024, the estimated distribution of new commercial bank loans (BU) grew 12.2 percent, and the Sharia Commercial Bank (BUS) grew 85.9 percent from the previous month.