No. 28/15/DKom
The latest Banking Survey conducted by Bank Indonesia indicates faster growth of new loan disbursements in the fourth quarter of 2025 relative to the previous period. This was reflected by a Weighted Net Balance (WNB) of 88.92%, up from 82.33% in the third quarter of 2025. In the first quarter of 2026, respondents expect new loan disbursements to maintain growth, as indicated by a WNB of 55.74%.
Respondents confirmed looser lending standards in the fourth quarter of 2025 compared with conditions in the third quarter of 2025, as reflected by a negative Lending Standards Index (LSI) for all loan types of -2.59, primarily affecting administration fees, loan maturities and lending rates. In the first quarter of 2026, however, respondents predict more prudent lending standards relative to the previous period, with an LSI of 2.75.
The latest Survey also reveals how respondents remain optimistic on faster credit growth moving forward until the end of 2026 relative to realised credit growth in 2025, supported by a promising monetary and economic outlook as well as comparatively well contained risk when disbursing loans, among others.
The Banking Survey is available in full via the Banking Survey menu on the official Bank Indonesia website.
Jakarta, 22st January 2026
Communication Department
Ramdan Denny Prakoso
Executive Director
