{
    "success": true,
    "data": {
        "id": 1564571,
        "msgid": "banking-industry-fundamentals-solid-but-credit-acceleration-requires-demand-side-strengthening-says-bri-chief-1771647032",
        "date": "2026-02-20 08:57:39",
        "title": "Banking Industry Fundamentals Solid, but Credit Acceleration Requires Demand-Side Strengthening, Says BRI Chief",
        "author": "",
        "source": "VIVA",
        "tags": "bisnis",
        "topic": "Banking",
        "summary": "BRI President Director Hery Gunardi told an OJK economic outlook event that Indonesia's banking sector has ample liquidity and capitalisation to support credit growth, but actual lending remains constrained by weak demand. New credit demand has fallen sharply across consumer and MSME segments, with businesses and households adopting a wait-and-see posture amid uncertain economic conditions. Hery stressed that the priority is rebuilding business confidence rather than injecting further liquidity.",
        "content": "<p>Jakarta \u2014 Indonesia\u2019s national banking industry retains solid\ncapacity to support future credit growth, underpinned by strong and\nadequate liquidity and capitalisation. Nevertheless, the acceleration of\ncredit disbursement currently faces challenges, particularly from the\ndemand side, as the business community adopts a wait-and-see stance and\npurchasing power has yet to fully recover across all segments.<\/p>\n<p>This view was expressed by the President Director of PT Bank Rakyat\nIndonesia (Persero) Tbk, Hery Gunardi, at the Economic Outlook 2026\nevent organised by the Financial Services Authority (OJK) on Thursday,\n19 February. The event was also attended by OJK Acting Chairwoman\nFriderica Widyasari Dewi, Deputy Chairman of the National Economic\nCouncil Mari Elka Pangestu, and Standard Chartered Chief Executive\nOfficer Donny Donosepoetro.<\/p>\n<p>In his presentation, Hery explained that on a fundamental basis, the\nbanking industry has adequate capacity to support future credit growth\nin a prudent and sustainable manner. On the liquidity front, third-party\nfund growth strengthened to 11.4 per cent year-on-year, with the\nLoan-to-Deposit Ratio maintained at approximately 84 per cent. Industry\ncapitalisation also remains robust, with the Capital Adequacy Ratio\nstanding at 26 per cent, well above the regulator\u2019s minimum\nthreshold.<\/p>\n<p>\u201cHowever, year-on-year credit growth through to December 2025\nremained at single-digit levels. According to Bank Indonesia, one of the\nfactors behind the current credit slowdown is demand-side driven,\u201d said\nHery.<\/p>\n<p>Referring to Bank Indonesia data, new credit demand has declined\nacross most segments, particularly in consumer lending which fell from\n62.9 per cent to 13.4 per cent, and the MSME segment which dropped from\n78.4 per cent to 58.8 per cent. Meanwhile, undisbursed loans have risen\nto an average of 10.22 per cent.<\/p>\n<p>\u201cThis means that credit facilities already approved by banks, as well\nas available liquidity, are in fact still adequate \u2014 yet actual\ndrawdowns are being held back. This condition reflects the cautious,\nwait-and-see attitude of both the business community and households as\nindividual customers. The challenge, therefore, is not on the fund\nsupply side, but rather in confidence and the business outlook going\nforward. What is needed is not merely additional liquidity, but a\nstrengthening of business confidence so that expansion can resume,\u201d Hery\nelaborated.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/banking-industry-fundamentals-solid-but-credit-acceleration-requires-demand-side-strengthening-says-bri-chief-1771647032",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}