The purpose of this study was to determine the process of non-performing loans at PT. BPD Sumatera Barat Cabang Pasar Raya Padang. The research method used is descriptive research method. The result of the research is where the Non-Performing Loans Settlement Process of PT. BPD Sumatra Barat Cabang Pasar Raya Padang, namely by rescheduling, reconditioning, restructuring and processes such as conducting early warnings, collections, credit restructuring, granting relief from payment of interest arrears and fines, handing over non-performing loans to third parties, organizing non-performing loans settlement through collateral auctions or confiscate the guarantee