Indonesia's Vehicle Loan NPL Ratio Remains Stable in Q1 2025

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Adi Ahdiat 22/07/2025 13:48 WIB

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The ratio of NPLs, or problematic vehicle loans, in Indonesia has remained relatively stable at around 2.2% to 2.3% from May 2024 to the first quarter of 2025.

Total Value of Vehicle Loan Financing from Commercial Banks and the Ratio of NPL/NPF for Vehicle Loans in Indonesia (January 2022-March 2025)

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Total Value of Vehicle Loan Financing from Commercial Banks and the Ratio of NPL/NPF for Vehicle Loans in Indonesia (January 2022-March 2025)

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Disbursement of motor vehicle loans in Indonesia has continued to increase in recent months. However, the ratio of problematic vehicle loans remains stable.

According to data from the Financial Services Authority (OJK), up to March 2025, the total value of motor vehicle loan financing from national commercial banks reached Rp142.92 trillion.

Of this amount, Rp3.2 trillion was classified as non-performing loans/non-performing financing (NPL/NPF), equivalent to 2.24% of the total financing.

Although higher than in 2022-2023, the ratio of problematic vehicle loans has remained relatively stable at around 2.2-2.3% since May 2024, as shown in the graph.

When broken down by region, the highest ratio of problematic vehicle loans is found in West Papua, West Nusa Tenggara, Jakarta, South Sulawesi, East Java, West Java, and Central Java.

Here is a breakdown of the provinces with the highest ratio of problematic vehicle loans in Indonesia in March 2025:

1. West Papua

Total value of motor vehicle loan financing: Rp7.21 billion
Value of problematic vehicle loans (NPL/NPF): Rp841.69 million
Ratio of problematic vehicle loans (NPL/NPF): 11.68%

2. West Nusa Tenggara

Total value of motor vehicle loan financing: Rp85.09 billion
Value of problematic vehicle loans (NPL/NPF): Rp2.13 billion
Ratio of problematic vehicle loans (NPL/NPF): 2.51%

3. Jakarta

Total value of motor vehicle loan financing: Rp122.49 trillion
Value of problematic vehicle loans (NPL/NPF): Rp2.84 trillion
Ratio of problematic vehicle loans (NPL/NPF): 2.32%

4. South Sulawesi

Total value of motor vehicle loan financing: Rp1.46 trillion
Value of problematic vehicle loans (NPL/NPF): Rp31.74 billion
Ratio of problematic vehicle loans (NPL/NPF): 2.17%

5. East Java

Total value of motor vehicle loan financing: Rp4.64 trillion
Value of problematic vehicle loans (NPL/NPF): Rp99.1 billion
Ratio of problematic vehicle loans (NPL/NPF): 2.14%

6. West Java

Total value of motor vehicle loan financing: Rp3.51 trillion
Value of problematic vehicle loans (NPL/NPF): Rp71.75 billion
Ratio of problematic vehicle loans (NPL/NPF): 2.05%

7. Central Java

Total value of motor vehicle loan financing: Rp1.94 trillion
Value of problematic vehicle loans (NPL/NPF): Rp39.65 billion
Ratio of problematic vehicle loans (NPL/NPF): 2.05%

Outside of these seven provinces, other provinces have a lower ratio of problematic vehicle loans, ranging from 1.9% and below.

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 Vehicle Loan NPL Ratio Remains Stable in Q1 2025

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Indonesia's Vehicle Loan NPL Ratio Remains Stable in Q1 2025

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