Banking credit has an important role in financing the national economy and as engine of economic growth. The high growth of credit is a commonly normal phenomenon as a positive consequence from the increase of financial deepening in economy. On the other hand, one must consider the implication of credit growth towards the financial stabilization and macro condition. Therefore, the policy authority should be able to identify the credit growth that is considered to be risky for the financial system and the macro stability. This research measures the credit growth without negative impact towards the economy and the banking condition. The testing uses Markov Switching (MS) Univariate approach and MS Vector Error Correction Model. The result with MS Univariate approach shows that the upper limit of the real credit growth in moderate regime is about 17.39 percent, while using the MS VECM approach is about 22.15 percent.Keywords: bank, credit, risk, markov switching error correction modelJEL classification: G21, E51, C23,C24