June 2024: More General Bank Credit Disbursed for Working Capital

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Erlina Fury Santika 05/09/2024 17:43 WIB

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Based on OJK data, the composition of general bank credit usage is predominantly for working capital, followed by investment and consumption.

Proportion of Bank General Credit/Financing and NPL/NPF to Non-Bank Third Parties Based on Usage Type (May-June 2024)

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June 2024: More General Bank Credit Disbursed for Working Capital

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Proportion of Bank General Credit/Financing and NPL/NPF to Non-Bank Third Parties Based on Usage Type (May-June 2024)

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Indonesian Banking Statistics compiled by the Financial Services Authority (OJK) show the composition of loan usage, including non-performing loans (NPL) or non-performing financing (NPF), by general banks to non-bank third parties.

The largest portion is for working capital, accounting for 45.32% of total loan disbursement in June 2024. This proportion slightly increased from 45.18% of the total credit in May 2023.

The second largest use is for investment, at 27.59% in June 2024. This figure slightly decreased from 27.64% in May 2024.

Third is consumption, at 27.09% in June 2024. Its proportion slightly decreased from 27.18% in May 2024.

The OJK also reported that the value of general bank loans to non-bank third parties reached Rp7,478 trillion (approximately Rp7.48 quadrillion) in June 2024.

This value increased by 1.38% from the disbursement in May 2024, which reached Rp7,376 trillion. Although the value increased, the percentage of non-performing loans (NPL) decreased.

In June 2024, the NPL ratio was recorded at 2.26%. This is down 0.08 percentage points from 2.34% in May 2024.

The June 2024 ratio is also lower than June 2023, which was recorded at 2.44% with a disbursement value of Rp6,656 trillion.

(See also: [Non-Performing Loan Ratio of General Banks Decreases to 2.26% in June 2024](https://databoks.katadata.co.id/datapublish/2024/09/05/rasio-kredit-macet-bank-umum-turun-jadi-226-pada-juni-2024))

Editor : Erlina Fury Santika

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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June 2024: More General Bank Credit Disbursed for Working Capital

June 2024: More General Bank Credit Disbursed for Working Capital

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