Who Had the Most Bad Loans Among Indonesian Financials in 2019?

Top Banks by Non-Performing Loans (As % of Loans)
Indonesia | March 8, 2020
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Excel Sheet

Based on a comparison of 17 banks among Indonesian Financials in 2019, Adira Dinamika Multi Finance had the highest share of bad loans, followed by Bank Tabungan Negara and Bank Negara.

Adira Dinamika Multi Finance's non-performing loans reached 20.2% of total loans at the end of 2019, down from 20.2% when compared to the previous year. Historically, the NPL ratio hit an all time high of 23.2% in 2017 and an all time low of 20.2% in 2018.

Provision coverage amounted to 15.3% at the end of 2019, up from 2.43% compared to a year earlier.

Comparing Adira Dinamika Multi Finance with its closest peers, Bank Tabungan Negara operated at the end of 2019 with NPL ratio of 15.3% and provision coverage of 15.6%, Bank Negara with 9.12% and 32.2% and Bank Mandiri had 8.82% of bad loans covered with 36.7% by provisions at the end of 2019.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Indonesian Financials banks in the reports section.

NPLs (As % Of Loans) Unit 2012 2013 2014 2015 2016 2017 2018 2019
Adira Dinamika Multi Finance % ... ... ... ... 20.7% 23.2% ...
Clipan Finance Indonesia % ... ... ... 1.89% 1.98% 1.59% ...
BCA Finance % 0.680% 0.960% 0.990% 0.840% 0.820% ...
Trust Finance Indonesia % 0.022% 0.029% 0.027% ... ... ... ...
Home Credit Indonesia % ... ... ... ... ... 7.42% ...
Bank Mandiri % 4.98% 4.66% 7.87% 11.7% 11.0%
Bank Rakyat % 1.74% 4.49% 4.73% 7.73% 6.89%
Bank Permata % 1.78% 1.62% 8.14% 20.3% 14.0%
Bank Danamon % 3.11% 4.03% 5.38% 5.38% 5.05%
Bank CIMB Niaga % 3.53% 7.23% 6.20% 9.52% 5.23%
Bank Central Asia % 0.428% 0.579% 0.704% 1.27% 2.77%
Bank Negara % 4.85% 4.22% 8.89% 10.8% 8.95%
Panin Bank % 4.90% 4.78% 5.42% 5.58% 5.77%
Bank Tabungan Negara % 3.52% 3.74% 3.15% 2.57% 2.50%
Bank OCBC Nisp % 1.02% 1.69% 3.41% 4.71% 4.58%
Maybank Indonesia % 4.12% 5.23% 6.72% 6.67% 5.13%
Verena Oto Finance % 0.412% 0.438% 0.550% ... ... ... ...
AVERAGE % 2.64% 2.51% 3.12% 4.27% 7.84% 7.00% 6.51% 7.16%