Objective : This study aims to find out non-performing financing at BSI bank from 2015 to 2022. Methodology : This research uses quantitative research. The sampling technique used was non-probability sampling using purposive sampling by taking data from BRIS, BSM, BNIS and BSI on quarterly data for 2015-2021. The method in this research uses Autoregressive Distributed Lag (ARDL) by looki…