Namun demikian, rasio kredit bermasalah kemudian turun ke 8,0 persen di akhir 2006 meskipun jumlah absolutnya lebih tinggi 8 persen dari akhir 2005 menjadi Rp1,5 trilliun.
However, the NPL ratio declined to 8.0% at end-2006 although in absolute terms it was still 8% higher at IDR1.5trn as compared with end-2005.