From 2013 to 2023, Indonesia's bank nonperforming loans (NPL) to total gross loans ratio varied, peaking at 2.77 in 2016 and gradually declining to 2.11 in 2023. The last two years show a year-on-year decrease of 19.7% from 2021 to 2022 and 1.9% from 2022 to 2023. The projected compound annual growth rate (CAGR) for 2024-2028 is -0.67%, indicating a continual decline, culminating in 2.01 by 2028.
Future trends to watch for:
- Implementation of stricter regulatory policies.
- Economic factors affecting loan repayment capabilities.
- Technological advancements in credit risk assessment.
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