Largest Non-Performing Loan (NPL) Value of MSMEs in State-Owned Banks

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Adi Ahdiat 05/11/2024 11:30 WIB

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According to OJK data, the largest value of non-performing loans (NPLs) for MSMEs is in state-owned banks (BUMNs), while the value is smaller in private and regional banks.

Outstanding Debit and Credit Balance of UMKM Loans by Lending Bank Category (August 2024)

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Outstanding Debit and Credit Balance of UMKM Loans by Lending Bank Category (August 2024)

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Based on data from the Financial Services Authority (OJK), the total outstanding debt or principal of micro, small, and medium enterprises (MSMEs) in banks reached Rp1,474 trillion in August 2024.

The debt classified as non-performing loans (NPLs) reached Rp59.81 trillion, equivalent to 4.06% of the total outstanding debt.

When broken down by lending bank category, the largest value of MSME non-performing loans is in state-owned banks (BUMNs).

In August 2024, the value of MSME non-performing loans in state-owned banks reached Rp33.13 trillion, while in private national banks it was Rp18.11 trillion, and in regional development banks (BPDs) it was Rp8.57 trillion.

However, the ratio of MSME non-performing loans in state-owned banks in August 2024 was only 3.60% of its outstanding debt. This ratio is the lowest compared to other bank groups.

In the same period, the ratio of MSME non-performing loans in private national banks reached 4.14%, and in BPDs 7.33%, with details as shown in the graph.

Editor : Adi Ahdiat

"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."