The Financial Services Authority (OJK), in its latest report as of February 2024, recorded that the net NPL was at 0.82%, increasing from the previous month at 0.79%. Meanwhile, Gross NPL remained unchanged from the previous month, stable at 2.35%. OJK instructed banks to increase their resilience by adequately strengthening their capital Reserve for Value Depreciation Loss (SKPN) coverage through routine stress tests to measure their capital capability in absorbing potential risks.