Bank Non-Performing Loans to Fall by End of 2024, Setting a New Record Low

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Adi Ahdiat 21/03/2025 18:06 WIB

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According to the OJK report, national bank non-performing loans decreased at the end of 2024, reaching a five-year low.

Total Credit/Financing Value from Commercial Banks and National Non-Performing Loan Ratio (January 2020-September 2024)

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Total Credit/Financing Value from Commercial Banks and National Non-Performing Loan Ratio (January 2020-September 2024)

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According to data from the Financial Services Authority (OJK), the national value of bank credit disbursement reached Rp7.83 quadrillion in December 2024.

Credit disbursement from general banks to non-bank third parties increased by Rp736.9 trillion, or approximately 10%, compared to December 2023 (year-on-year).

Despite the increase in loan disbursement, the ratio of non-performing loans/non-performing financing (NPL/NPF) decreased.

In December 2024, the value of non-performing loans in general banks reached Rp162.9 trillion, equivalent to 2.08% of the total disbursement.

This ratio is a new record low, at least in the last five years, as shown in the graph.

When broken down by segment, the highest non-performing loan ratio in December 2024 was in working capital loans, while the lowest was in investment loans.

Here is a breakdown of the value of disbursement and non-performing loans (NPL/NPF) in national general banks per segment in December 2024:

* Working capital loans: credit/financing value Rp3.5 quadrillion, non-performing loans Rp89.9 trillion (2.57%)
* Consumption loans: credit/financing value Rp2.1 quadrillion, non-performing loans Rp40.5 trillion (1.90%)
* Investment loans: credit/financing value Rp2.2 quadrillion, non-performing loans Rp32.4 trillion (1.48%)

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."

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Bank Non-Performing Loans to Fall by End of 2024, Setting a New Record Low

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