Video: Credit Quality Maintained, BPD Bali Confident of Achieving 9% Credit Target

The Financial Services Authority (OJK) continues to encourage the strengthening of Regional Development Banks (BPD) to become ‘Regional Champions’ in their respective areas through business transformation and development, so they are not dependent on regional budgets (APBD) and civil servant consumer credit.

From BPD Bali, the Operational Director of Bank BPD Bali, I Komang Wiratna Jaya, noted that Bali’s economic growth, which reached 5.78% year-on-year, exceeded the national GDP growth and was supported by the tourism sector, including food and beverage businesses, agriculture, and transportation.

Meanwhile, credit growth and third-party funds (DPK) in Bali province remain below the national banking industry average, with credit growing by 6.34%, primarily from the MSME sector. At BPD Bali, credit grew by 7.08%, with MSME credit reaching 13.45% and gross non-performing loans (NPL) maintained at 0.94%. Therefore, BPD Bali is confident that its 9% credit growth target can be achieved.

BPD Bali also confirmed that its capital adequacy remains sufficient, with a capital adequacy ratio (CAR) of 20.99% as of June 2026. The bank has achieved the Core Capital Bank Group (KBMI) 2 classification and is supported by a loan-to-deposit ratio (LDR) that remains adequate for expanding MSME credit distribution.