Indonesia's loan growth rose by 11.51% year-on-year in May 2026, accelerating from 9.98% in the previous month. It marked the fastest annual growth since July 2024, primarily driven by investment credit (21.95%), working capital credit (8.09%), and consumer credit (5.89%). Banking resilience remained strong despite risks stemming from the Middle East conflict, supported by ample liquidity, solid capital buffers, and low credit risk. Looking ahead, Bank Indonesia expects credit growth to remain within the 8%–12% range in 2026, backed by Rp2,576 trillion in undisbursed loans, equivalent to 22.41% of total credit limits. Lending prospects are also supported by strong funding and liquidity conditions, with the AL/DPK ratio at 24.74% and third-party funds (DPK) rising 13.47% year-on-year in May. Meanwhile, lending conditions remained favorable, with the average lending rate at 8.72% and the one-month deposit rate at 4.26%. source: Bank Indonesia

The value of loans in Indonesia increased 11.51 percent in May of 2026 over the same month in the previous year. Loan Growth in Indonesia averaged 18.28 percent from 1981 until 2026, reaching an all time high of 90.50 percent in June of 1998 and a record low of -59.90 percent in June of 1999. This page provides the latest reported value for - Indonesia Loan Growth - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news. Indonesia Loan Growth - data, historical chart, forecasts and calendar of releases - was last updated on June of 2026.

The value of loans in Indonesia increased 11.51 percent in May of 2026 over the same month in the previous year. Loan Growth in Indonesia is expected to be 9.00 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Indonesia Loan Growth is projected to trend around 10.00 percent in 2027, according to our econometric models.



Calendar GMT Reference Actual Previous Consensus TEForecast
2026-05-20 07:30 AM
Loan Growth YoY
Apr 9.98% 9.49% 9.7%
2026-06-18 07:20 AM
Loan Growth YoY
May 11.51% 9.98%
2026-07-22 07:30 AM
Loan Growth YoY
Jun 11.51% 9.0%


Related Last Previous Unit Reference
Cash Reserve Ratio 9.00 9.00 percent May 2026
Deposit Facility Rate 4.75 4.50 percent Jun 2026
Foreign Exchange Reserves 144900.00 146200.00 USD Million May 2026
Interbank Rate 5.46 5.46 percent Dec 2025
Interest Rate 5.75 5.50 percent Jun 2026
Lending Facility Rate 6.50 6.25 percent Jun 2026
Loan Growth YoY 11.51 9.98 percent May 2026
Loans to Private Sector 7468685.00 7403727.00 IDR Billion Apr 2026
Money Supply M0 1186350.00 1206116.00 IDR Billion Apr 2026
Money Supply M1 3342386.00 3423532.00 IDR Billion Apr 2026
M2 Money Supply YoY 10415900.00 10253700.00 IDR Billion May 2026


Indonesia Loan Growth
In Indonesia, loan growth refers to year over year change in total value of outstanding credits of commercial banks.
Actual Previous Highest Lowest Dates Unit Frequency
11.51 9.98 90.50 -59.90 1981 - 2026 percent Monthly
Current Prices, NSA

News Stream
Indonesia Loan Growth Hits Near 2-Year High
Indonesia's loan growth rose by 11.51% year-on-year in May 2026, accelerating from 9.98% in the previous month. It marked the fastest annual growth since July 2024, primarily driven by investment credit (21.95%), working capital credit (8.09%), and consumer credit (5.89%). Banking resilience remained strong despite risks stemming from the Middle East conflict, supported by ample liquidity, solid capital buffers, and low credit risk. Looking ahead, Bank Indonesia expects credit growth to remain within the 8%–12% range in 2026, backed by Rp2,576 trillion in undisbursed loans, equivalent to 22.41% of total credit limits. Lending prospects are also supported by strong funding and liquidity conditions, with the AL/DPK ratio at 24.74% and third-party funds (DPK) rising 13.47% year-on-year in May. Meanwhile, lending conditions remained favorable, with the average lending rate at 8.72% and the one-month deposit rate at 4.26%.
2026-06-18
Indonesia Loan Growth Strongest in 14 Months
Indonesia's annual loan growth accelerated to 9.98% year-on-year in April 2026 from 9.49% in the previous month, marking the fastest increase since February 2025. The growth was primarily driven by strong increases in investment lending (19.48%), working capital loans (6.04%), and consumer credit (6.13%). However, the central bank is still holding a sizable pool of undisbursed loan facilities totaling IDR 2,551.42 trillion, equivalent to 22.57% of the total available credit ceiling. To boost loan growth, the central bank also improved the efficiency of banking interest rates, with the credit interest rate recorded at 8.73% in April 2026 and the 1-month deposit interest rate at 4.16%. Looking ahead, Bank Indonesia expects credit growth to remain within a stable range of 8–12% in 2026.
2026-05-20
Indonesia Loan Growth Picks Up in March
Indonesia's annual loan growth rose by 9.49% year-on-year in March 2026, picking up from a three-month low of 9.37% in the previous month. The uptick was primarily driven by strong growth in investment lending (20.85%), working capital loans (4.38%), and consumer credit (5.88%). From the demand side, banks are still holding a sizable pool of undisbursed loan facilities totaling Rp2,527.46 trillion, equivalent to 22.59% of the total available credit ceiling. On the supply side, the ratio of liquid assets to deposits stood at 27.85% in March, while third-party funds (TPF) grew robustly by 13.55% year-on-year. Looking ahead, Bank Indonesia expects credit growth to remain within a stable range of 8–12% in 2026, supported by both demand and supply dynamics. The central bank also signaled plans to further strengthen banks’ funding capacity, including through the development of non-traditional funding instruments beyond conventional deposits, in a bid to sustain lending momentum.
2026-04-22