Mortgage Disbursements Increase, So Do Non-Performing Loans

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Adi Ahdiat 23/08/2023 17:30 WIB

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According to OJK data, mortgage loan disbursement increased in May 2023, but the ratio of non-performing loans also rose.

Total Value of Mortgage Financing from Commercial Banks and Non-Performing Loan Ratio (NPL) in Indonesia (January 2022-May 2023)*

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Total Value of Mortgage Financing from Commercial Banks and Non-Performing Loan Ratio (NPL) in Indonesia (January 2022-May 2023)*

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Disbursement of mortgage loans (KPR) continues to increase, in line with the growing number of Indonesia's productive-age population.

According to data from the Financial Services Authority (OJK), until May 2023, the total value of financing from general banks to individuals (non-bank/non-business sector) for KPR had reached Rp605 trillion. This figure does not include loans for apartment and shop house ownership.

The total value of KPR financing from general banks in May 2023 increased by 0.92% compared to the previous month (month-on-month/mom), and grew by 7.71% compared to a year ago (year-on-year/yoy).

However, this increase was accompanied by an increase in non-performing loans (NPL).

In May 2023, the value of NPL for general bank KPR financing reached Rp15 trillion, increasing by 4.65% month-on-month (mom) and growing by 14.71% year-on-year (yoy).

In the same period, the NPL ratio reached 2.49% of the total financing. This is the highest ratio of problematic KPR in the last one and a half years, as seen in the graph.

When broken down by location, in May 2023 the highest ratio of problematic KPR was in West Papua, namely 13.07%. However, the value of its NPL is relatively small, namely only Rp174.55 billion.

The problematic KPR with the largest nominal value was in DKI Jakarta, with an NPL value reaching Rp3.62 trillion, although its ratio was only 2.38%.

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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Mortgage Disbursements Increase, So Do Non-Performing Loans

Mortgage Disbursements Increase, So Do Non-Performing Loans

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Mortgage Disbursements Increase, So Do Non-Performing Loans

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