RRI.CO.ID, Jakarta - Bank credit distribution in Indonesia accelerated in the second quarter of 2026 (Q2 2026), with demand for financing expected to remain strong into the second half of the year, according to Bank Indonesia’s (BI) latest survey.

BI’s Banking Survey shows the Weighted Net Balance (WNB) for new loans reached 93.08 percent in Q2 2026, a sharp increase from 38.74 percent in Q1 2026.

“Growth in new loans occurred across all categories of use, as reflected by rising WNB values for working capital loans, investment loans, and consumer loans,” said BI Executive Director of Communications, Ramdan Denny Prakoso, in Jakarta on Monday, July 20, 2026, as quoted on BI’s official website.

By loan purpose, working capital loans recorded a WNB of 94.34 percent, followed by investment loans at 93.51 percent, and consumer loans at 83.67 percent. Consumer loan demand was driven by home and apartment mortgages (KPR/KPA), auto loans, multipurpose loans, and unsecured loans, while credit card growth slowed.

By sector, the highest credit growth was in transportation, warehousing, and communications (91.86 percent WNB). Positive growth was also recorded in education services, manufacturing, construction, and health and social services.

Banks applied stricter prudential principles in Q2 2026, reflected in a positive Lending Standard Index (ILS) of 1.03, through adjustments to interest rates, credit limits, tenors, agreements, and loan approval fees.

Looking ahead, new credit disbursement is projected to continue growing in Q3 2026, with an SBT of 84.65 percent. Banks are expected to ease credit standards, reflected in a negative ILS of 2.25, particularly in credit limits and collateral.

The survey also indicates that outstanding loans will continue rising through the end of 2026, supported by positive economic and monetary prospects. Third-Party Funds (DPK) are projected to keep growing, led by savings and checking accounts, while time deposits increase at a more moderate pace. ***