Shaken by the Crisis, the Non-Performing Loan Ratio of Several Banks Increases

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Yosepha Pusparisa 10/02/2021 14:20 WIB

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The COVID-19 pandemic crisis caused a rise in the non-performing loan (NPL) ratio. BNI recorded an NPL ratio increase to 4.3% in 2020, higher than BRI and Bank Mandiri.

Non-Performing Loan (NPL) Ratio of Banks in 2019-2020

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Shaken by the Crisis, the Non-Performing Loan Ratio of Several Banks Increases

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Non-Performing Loan (NPL) Ratio of Banks in 2019-2020

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The Covid-19 pandemic crisis caused an increase in the ratio of non-performing loans (NPLs). Bank Negara Indonesia (BNI) recorded the highest NPL ratio among the four largest banks in Indonesia. The figure rose from 2.3% in 2019 to 4.3% a year later. Meanwhile, Bank Central Asia (BCA) had a relatively low NPL ratio compared to other banks, at 1.79% in 2020.

However, the NPLs of all these banks are still within safe limits. This is because the Financial Services Authority (OJK) sets a maximum NPL limit of 5%.

The Deposit Insurance Corporation guarantees that banking conditions will improve, although several risks remain in the future. Banks need to be wary of the rising ratio of loans at risk.

Editor : Muhammad Ahsan Ridhoi

"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."