Bank BPD Bali Sets Ambitious 9% Credit Growth Target for 2026

Strategic Focus Areas

Bank Pembangunan Daerah (BPD) Bali is projecting 9% year-on-year credit growth for 2026, reflecting the bank's confidence in Bali's economic prospects. CEO I Nyoman Sudharma stated that the bank is currently finalizing its 2026 work plan, with a focus on strategic sectors that can drive both financial performance and regional economic development.

Tourism-Related Sectors

The bank is particularly optimistic about sectors related to tourism, including accommodation, food, and beverage (Akmamin) businesses. These industries are expected to remain key drivers of Bali's economic growth, supporting the bank's lending strategy.

Government-Backed Programs

In addition to tourism-related lending, Bank BPD Bali is focusing on government-backed programs such as housing loans and KUR (People's Business Credit) for Micro, Small, and Medium Enterprises (MSMEs). Sudharma emphasized that successful implementation of these programs could significantly boost Bali's economic growth beyond its current 5.8% growth rate in Q3 2025.

Recent Financial Performance

The bank's recent financial performance has been strong, with Rp998.7 billion in profit recorded in October 2025, representing a 23.35% increase from the same period in 2024. Key highlights include:

• Credit disbursement reaching Rp24.76 trillion, exceeding the target of Rp24.64 trillion
• 9.33% year-on-year credit growth compared to October 2024
• Total assets of Rp42.4 trillion, surpassing the target of Rp41.10 trillion
• Healthy financial ratios: KPMM 28.6%, ROA 3.73%, ROE 24.88%, NIM 6.37%, BOPO 60.21%, LDR 69.88%

Growth Strategy

The bank's growth strategy is built on several pillars:

1. Tourism sector support through targeted lending
2. Government program participation in housing and MSME financing
3. Continued efficiency as evidenced by maintained financial ratios
4. Expansion of credit facilities while maintaining healthy LDR

By focusing on these strategic areas, Bank BPD Bali aims to not only achieve its credit growth target but also contribute significantly to Bali's economic development.