Bank Indonesia Reveals Banking Credit Grows 9.96 Percent in January 2026

Illustration. (Photo: Dok. Antara)

Bank Indonesia (BI) reported that banking credit distribution in January 2026 was 9.96 percent (yoy), or slightly increased compared to the achievement in December 2025 of 9.69 percent (yoy).

Governor of BI Perry Warjiyo said based on the use group, this development was supported by investment credit, working capital credit, and consumption credit which in January 2026 grew by 22.38 percent (yoy), 4.13 percent (yoy), and 6.58 percent (yoy).

"This positive credit development is supported by an increase in economic activity, the relaxation of Bank Indonesia's monetary and macroprudential policies, and the realization of the Government's priority programs," he said in a press conference, Thursday, February 19.

Looking ahead, Perry said the prospect of credit growth improvement is still quite strong, influenced by the demand and supply sides.

In terms of demand, the utilization of banking financing can continue to be improved, especially to optimize the unused loan facilities (undisbursed loan) which is still quite large, namely reaching Rp2,506.47 trillion or 22.65 percent of the available credit ceiling.

Meanwhile, on the supply side, the bank's financing capacity remains adequate, supported by the ratio of Liquid Assets to Third Party Funds (AL/DPK) of 27.54 percent and DPK which grew high by 13.48 percent (yoy) in January 2026.

In addition, Perry said that the interest in distributing bank loans continued to improve, reflected in the loosening of lending requirements, except for the consumption and MSME credit segments due to the high credit risk in both segments.

He added that Bank Indonesia estimates credit growth in 2026 at a range of 8 percent to 12 percent.

"Bank Indonesia will continue to strengthen coordination with the Government and the KSSK to continue to improve the interest rate structure and encourage credit/bank financing growth," he concluded.