Bank Loan Restructuring Increased by 22% in Q2 2021

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Viva Budy Kusnandar 06/10/2021 15:20 WIB

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The value of bank credit restructuring reached Rp 1,066.16 trillion in Q2 2021. This figure is higher than the Rp 871.58 trillion recorded in Q2 2020.

Bank Credit Restructuring Value by Sector (June 2020 – 2021)

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Bank Loan Restructuring Increased by 22% in Q2 2021

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Bank Credit Restructuring Value by Sector (June 2020 – 2021)

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The COVID-19 coronavirus pandemic disrupted the intermediation function of national Indonesian banks. To maintain the non-performing loan (NPL) ratio, the government implemented credit restructuring relaxation.

In line with this, Bank Indonesia (BI) recorded that the value of bank credit restructuring reached Rp 1,066.16 trillion in the second quarter of 2021. This value increased compared to the second quarter of 2020, which was only Rp 871.58 trillion.

The trade sector recorded the largest value of credit restructuring in the second half of this year, namely Rp 301.09 trillion. This value increased by 1.79% year-on-year (yoy).

In the industrial sector, the value of credit restructuring was recorded at Rp 161.84 trillion in the second quarter of 2021. This increased by 5.99% compared to the second quarter of 2020 (yoy).

The value of credit restructuring in the service sector increased by 34.05% (yoy) to Rp 103.97 trillion. Meanwhile, the value of credit restructuring in the construction sector increased by 87.96% (yoy) to Rp 100.99 trillion.

The gross NPL ratio for banks was 2.53% at the end of 2019, before the coronavirus pandemic. This figure has increased by 71 basis points (bps) to 3.24% in the middle of this year.

Meanwhile, the bank's loan at risk (LaR) was 22.67% until the end of the second quarter of 2021. This figure is higher than in the second quarter of 2020, which was 20.66%.

Editor : Dimas Jarot Bayu

"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."