KONTAN.CO.ID - JAKARTA. PT CIMB Niaga Auto Finance (CNAF) recorded a Non-Performing Finance (NPF) ratio of 2.41% as of July 2026.

This figure compares favorably to the average trend in the multifinance industry, which stood at 3.01% during the first half of 2026.

CNAF President Director Ristiawan Suherman stated that the company's ability to keep its NPF ratio under control is attributed to its implementation of prudent risk management.

Ristiawan added that the strategic measures undertaken by the company include strengthening the underwriting process for financing disbursement.

"In addition, we are optimizing periodic monitoring of customer portfolios to mitigate risks at an early stage," he told KONTAN on Thursday (September 3, 2026).

Ristiawan noted that potential future increases in the NPF ratio could stem from public purchasing power and pressures arising from current economic challenges.

He explained that these two factors impact customers' ability to meet their financing obligations.

"In this second half of the year, public purchasing power and the momentum of national economic activity significantly influence NPF ratio trends. We hope the multifinance industry can maintain NPF ratios at healthy levels through the end of the year," he said.

Ristiawan remains optimistic that the company can mitigate risks and maintain healthy asset quality by strengthening underwriting processes and rigorously monitoring portfolios moving forward.

Consequently, Ristiawan stated that CNAF will continue to closely monitor economic developments through the end of the year and further strengthen risk management, ensuring that financing growth remains healthy and sustainable.