How Banks Boost Lending Amid Selective Customers in a High-Interest Rate Era

In an era of high interest rates and global geopolitical turmoil in 2026, the banking sector faces challenges in maintaining a balance between credit growth, credit portfolio quality, and profitability, according to Bank Neo Commerce President Director Eri Budiono. As liquidity becomes much tighter and purchasing power weakens, banks continue to strive to maintain the quality of their business portfolios. This is carried out by driving credit focused on existing customers and increasing promotions related to transaction services, such as the ease of payment via QRIS. In supporting and maintaining the continuity of customer businesses, Bank Neo Commerce is focusing on sharpening ‘risk-based pricing’ by setting service prices according to each customer’s risk level, given that customers are currently more selective in choosing banking services.