The headline numbers
Parjiman, head of OJK Bali (the Financial Services Authority, which supervises banks), said banks had extended Rp 146.47 trillion in loans in Bali in the first quarter of 2026. That was 8.19% more than a year earlier.
More than half, Rp 75 trillion or 51.25%, went to micro, small and medium businesses (UMKM). That segment grew 4.53%.
Micro businesses took 41.73% of UMKM lending and small businesses 37.67%. They include family guesthouses, shops, workshops and suppliers to tourism.
Investment lending is rising
Investment loans increased by Rp 6.08 trillion, or 16.92%. Parjiman said this shows banks are financing business expansion.
An earlier OJK report covering February 2026 said investment lending growth came mainly from tourism, accommodation, food and beverage and real estate.
Quality and liquidity
The NPL ratio fell to 2.56% from 3.10% a year earlier. Deposits at Bali banks rose 7% to Rp 206.21 trillion.
The loan-to-deposit ratio (LDR) stood at 58.51%, meaning banks on the island lend out far less than they take in. The capital adequacy ratio (CAR) was 33.84%.
How to read these figures
NPL measures the share of loans on which borrowers are seriously behind on payments. The lower it is, the sturdier the banks. A drop to 2.56% suggests Bali businesses are servicing debt more reliably after difficult years.
A low LDR means banks on the island have spare funds for new lending. A high BI-Rate, however, makes that credit more expensive for borrowers.