No.28/86/DKom
The latest Banking Survey conducted by Bank Indonesia indicates that new loan disbursements continued to grow in the first quarter of 2026, although at a slower pace compared with the fourth quarter of 2025 in line with historical trends. This was reflected by a Weighted Net Balance (WNB) of new loan disbursements in the first quarter of 2026 of 38.74%. Growth of new loan disbursements was driven by consumption loans. In the second quarter of 2026, respondents predict new loan disbursements to increase, with an expected WNB of 96.65%.
Respondents confirmed tighter, or more prudent, lending standards in the first quarter of 2026 compared with the fourth quarter of 2025, as reflected by a positive Lending Standards Index (LSI) of 0.15, particularly in terms of loan maturities and document requirements. In the second quarter of 2026, however, respondents anticipate looser lending standards, as indicated by a negative LSI of 2.88.
Respondents expect outstanding loans to maintain growth through to the end of 2026 compared with the previous year, supported by a robust economic and monetary outlook as well as contained credit risk.
The Banking Survey is available in full via the Banking Survey menu on the official Bank Indonesia website.
Jakarta, 23th April 2026
Communication Department
Anton Pitono
Director
