Banking NPL Performance Projections After Credit Restructuring Relaxation Ends Soon

The COVID-10 credit restructurization policy is set to end this month, with OJK projecting the policy’s end to be a headwind for banks in managing credit risks.

Fahmi Ahmad Burhan

14 Mar 2024 - 17.32
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Banking NPL Performance Projections After Credit Restructuring Relaxation Ends Soon

Bisnis, JAKARTA — The end of the banking credit restructuring relaxation incentives for COVID-19-affected debtors at the end of March 2024 will likely expose risks of increasing nonperforming loan (NPL) ratios in the banking sector.

Generally, banking industry players project that the credit risk level was relatively maintained at the beginning of this year, according to the Financial Services Authority's (OJK) Banking Business Orientation Survey (SBPO) which involved 100 respondent banks.

The survey found that the majority of respondents believe that banking risks in the first quarter of 2024 are still managed and under control. This is reflected in the Risk Perception Index (RPI) of 53, still in the optimistic zone, albeit slightly lower than 58 in the previous quarter. 

Meanwhile, credit quality is projected to be well maintained, supported by restructuring policies and write-offs to mitigate the increase of bad loans or NPLs. Respondents anticipate that credit risk or gross NPLs in the first quarter of 2024 will remain stable.

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Banking NPL Performance Projections After Credit Restructuring Relaxation Ends Soon

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