NPL Ratio in Indonesian Regional Banks Increased in the First Half of 2025

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Adi Ahdiat 09/10/2025 12:27 WIB

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According to OJK data, the non-performing loan (NPL) ratio in regional development banks (BPDs) nationally increased in the first semester of 2025.

Total Loan Disbursement Value and NPL Ratio in Indonesian Regional Development Banks (January 2020-June 2025)

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Total Loan Disbursement Value and NPL Ratio in Indonesian Regional Development Banks (January 2020-June 2025)

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Loan disbursements from Indonesian regional development banks (BPDs) in Indonesia increased until the end of the first semester of this year.

According to data from the Financial Services Authority (OJK), the total value of loan disbursements from BPDs to non-bank third parties nationally reached Rp649.36 trillion in June 2025.

This figure rose by 0.4% compared to the previous month (month-to-month) and grew by 3.8% compared to June last year (year-on-year).

However, this growth was accompanied by an increase in the non-performing loan (NPL) ratio.

In June 2025, the value of non-performing loans in BPDs nationally reached Rp19.35 trillion, equivalent to 2.98% of total loan disbursements.

Although slightly decreased compared to the previous month, this NPL ratio in BPDs was higher than last year.

In the first semester of 2025, the NPL ratio in regional banks also experienced a fairly sharp upward trend compared to the previous semester, as shown in the graph.

Of the total value of BPD loan disbursements in June 2025, 67% were consumption loans, 18% working capital loans, and 15% investment loans.

Furthermore, the highest non-performing loan ratio was in the working capital loan segment.

The following are details of disbursements and non-performing loans in regional banks or BPDs by segment in June 2025:

1. Working Capital Loans

Value of loan disbursements: Rp117.38 trillion
Value of non-performing loans (NPL): Rp11.21 trillion
Non-performing loan ratio (NPL): 9.55%

2. Investment Loans

Value of loan disbursements: Rp95.46 trillion
Value of non-performing loans (NPL): Rp2.63 trillion
Non-performing loan ratio (NPL): 2.76%

3. Consumption Loans

Value of loan disbursements: Rp436.53 trillion
Value of non-performing loans (NPL): Rp5.5 trillion
Non-performing loan ratio (NPL): 1.26%

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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NPL Ratio in Indonesian Regional Banks Increased in the First Half of 2025

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