Indonesia's Non-Performing Loan Ratio in the Banking Sector Remains Stable in Q1 2025

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Adi Ahdiat 21/07/2025 13:02 WIB

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According to Financial Services Authority data, the non-performing loan (NPL) ratio in Indonesian banking generally remained stable in the first quarter of 2025.

Total Credit/Financing Value from Commercial Banks and Non-Performing Loan Ratio in Indonesia (January 2020-March 2025)

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Total Credit/Financing Value from Commercial Banks and Non-Performing Loan Ratio in Indonesia (January 2020-March 2025)

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The ratio of non-performing loans/non-performing financing (NPL/NPF) in Indonesian banking was generally maintained in the first quarter of 2025.

This is evident from the Indonesian Banking Statistics report released by the Financial Services Authority (OJK).

According to OJK data, until March or the end of the first quarter of 2025, the total value of credit/financing disbursement from banks nationwide reached Rp7.91 quadrillion.

Of this amount, the portion classified as non-performing loan/non-performing financing (NPL/NPF) reached Rp171.36 trillion, equivalent to 2.17% of the total financing.

During January-March 2025, the ratio of non-performing loans in national banking fluctuated with a downward trend, as shown in the graph.

"The performance of banking intermediation is stable with a maintained risk profile," said the OJK in a press release (May 9, 2025).

Of the total value of national bank credit/financing disbursement in March 2025, 44% was working capital credit, 29% investment credit, and 27% consumption credit.

The highest ratio of non-performing loans was in the working capital credit segment.

Here is a breakdown of the ratio of non-performing loans in Indonesian banks by segment in March 2025:

1. Working Capital Credit

Credit disbursement value: Rp3.49 quadrillion
Value of non-performing loans (NPL/NPF): Rp93.72 trillion
Ratio of non-performing loans (NPL/NPF): 2.69%

2. Investment Credit

Credit disbursement value: Rp2.26 quadrillion
Value of non-performing loans (NPL/NPF): Rp32.54 trillion
Ratio of non-performing loans (NPL/NPF): 1.44%

3. Consumption Credit

Credit disbursement value: Rp2.17 quadrillion
Value of non-performing loans (NPL/NPF): Rp45.1 trillion
Ratio of non-performing loans (NPL/NPF): 2.08%

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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Indonesia's Non-Performing Loan Ratio in the Banking Sector Remains Stable in Q1 2025

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