Jakarta. Bank Indonesia (BI) has set an ambitious target for national bank lending growth at 8–12 percent in 2026, supported by expectations of stronger economic expansion projected at 5.33 percent.

Governor Perry Warjiyo revealed the outlook during a working meeting with the House of Representatives’ Commission XI on Wednesday.

“In the macroprudential area, credit growth is expected between 8 and 12 percent. Liquidity adequacy or liquidity assets to third-party funds ratio (AL/DPK) remains above 10 percent, while inclusive financing ratios exceed 30 percent,” Perry said.

He added that Indonesia’s economy is forecast to grow 5.11 percent in 2025 despite a global slowdown, before accelerating to 5.33 percent the following year.

Perry said the government’s 2026 state budget target of 5.4 percent growth remains attainable, provided there is faster realization of public spending.

“The quicker the fiscal disbursement, the more likely growth can reach 5.4 percent,” he said, acknowledging a slight difference between BI’s projection of 5.33 percent and the government’s higher goal.

For 2025, BI expects credit growth to stay within 8–11 percent. As of September 2025, bank lending had grown by 7.77 percent, still below the lower end of the target range.

“We continue to advance various macroprudential measures and coordinate to boost credit demand so that by year-end, growth can exceed 8 percent and remain within the 8–11 percent range,” Perry said.