Bank Amar Confident in Maintaining Low NPL Amid High Interest Rates

Senior Vice President Finance of Bank Amar Indonesia, David Wirawan, is optimistic about the prospects for banking credit growth in the current era of high interest rates. This confidence is based on the Covid-19 pandemic period, when credit growth was still recorded even as the benchmark interest rate reached 6.25%, far above the current BI Rate position of 5.75%. Bank Amar, which focuses on the SME (Small Medium Enterprise) segment, sees that credit growth still has the opportunity to rise while maintaining the level of Non-Performing Loans (NPL). Bank Amar implements a ‘Prudent Lending’ strategy, enabling it to maintain credit growth of up to 30% with an NPL of 0.8% as of June 2026. Bank Amar also leverages business innovations, including digital services.