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This research aims to analysis health PT. Bank X (Persero) Tbk Branch Office Samarinda seen from the nonperforming loans ratio in 2014 and 2015. The research methods used in this research is to using analysis banking financial ratio that is non-performing loans ratio. The ratio is calculated as a percentage by comparing total non-performing loans (substandard credit, doubtful credit, and bad credit) with total loans be given. Based on the result of the research was that the quality of non-performing loans/NPL ratio in 2014 and 2015 had a Healthy predicate because is under the maximum limit corresponding Bank Indonesian Regulation No.15/2/PBI/2013 is 5%. It is pointed out from count result of non-performing loans ratio in 2014 amounted to 3,84% and in 2015 amounted to 3,69%. Later the health level of Bank X Branch Office Samarinda in 2014 and 2015 is sound assessment criteria for banks, based on non-performing loans ratio has been in accordance with the Regulation of the Bank Indonesian attachment No.13-1 -PBI 2011. Keywords— Analysis Credit, Non-Performing Loans, Health

Analysis on Non Performing Loan PT. Bank X (Persero) Tbk Branch Samarinda