Investment Credit in Bali Grows 16.92 Percent
Investment credit in Bali has maintained positive growth amidst global and national uncertainties. Head of the OJK for Bali Province, Parjiman, explained that based on type of use, year-on-year credit growth was still driven by an increase in investment credit, which grew by Rp6.08 trillion, or 16.92 percent year-on-year (yoy), up from 16.24 percent yoy in March 2025. “The increase in investment credit shows the banking sector’s contribution in supporting business expansion financing to drive long-term economic growth in Bali Province,” Parjiman stated on Thursday (4/6/2026).
Viewed from the nominal credit growth, the Accommodation and Food Service Provision Sector recorded the largest nominal addition, amounting to Rp2.07 trillion, growing 15.35 percent yoy. Meanwhile, consumer credit grew by 4.28 percent yoy and working capital credit moderated by -2.25 percent yoy. Based on the debtor category, 51.25 percent of credit in Bali Province was channelled to MSMEs, with positive growth of 4.53 percent yoy.
Parjiman explained that the stability of the Financial Services Industry in Bali Province remained solid as of the end of March 2026, facing various global and domestic economic challenges. “The performance of the financial services industry has also underpinned the economic resilience of Bali Province, which managed to record growth of 5.58 percent yoy in the first quarter of 2026. This achievement reflects a positive synergy between the financial sector and the overall economic activity of the people of Bali Province,” Parjiman said.
Credit distribution based on bank location grew by 6.45 percent yoy to Rp120.66 trillion, up from 6.01 percent yoy in March 2025. Meanwhile, credit distribution based on project location grew by 8.19 percent yoy to Rp146.47 trillion, up from 6.26 percent yoy in March 2025. The banking intermediation function, reflected in the Loan to Deposit Ratio (LDR) as of March 2026, was recorded at 58.51 percent, compared to 59.06 percent in March 2025.
Banking credit quality in Bali Province was maintained, with the gross Non-Performing Loan (NPL) ratio at 2.56 percent, lower than the same position the previous year of 3.10 percent. Meanwhile, the net NPL stood at 1.77 percent, down from 2.17 percent in March 2025. The settlement of restructured credit and credit expansion had a positive impact on reducing the Loan at Risk (LaR) ratio to 9.12 percent from 11.62 percent in March 2025. The resilience of Rural Banks in Bali Province also remained strong, reflected in the Cash Ratio and Capital Adequacy Ratio being maintained above the threshold at 14.58 percent and 33.84 percent respectively, indicating strong banking capital resilience as an adequate risk mitigation buffer.