Banking Industry is one of Indonesia's economical motivator where the banking factor act as a mediator for the bank clients funds which is futher distributed to those who needs funds for their business. One of the leading banking institutions in Indonesia is PT. Bank Lippo, Tbk Bank activities e.g. extending loans, never free from problems. Non Performing Loans (NPL) are only a few among those problem. Loan policy and guidance stipulated by the management of PT. Bank Lippo, Tbk are long term stipulation. In anticipating problems that might occur. In handling NPL several obstruction have been found due to misunderstanding between the bank and the client, and between banks and the guarantor. If the misunderstanding can not be solved, then the problem will be forwerded to the court of justice. In this paper the loan policy and guidance have been evaluated together with loan guarantee at PT. Bank Lippo, Tbk, from the law side as well as from the court verdict and From said evaluation results it can be observed that the caused of NPL cannot be separated from ; first, moral problems of all parties involved, the debitors and the guarantors ; second, the legal parties that do not yet have fixed rules for banks acting as creditors. Seing how it is in reality anticipatory efforts need to be taken other wise there is always the possibility that this might turn out to be a real stumbling blocks for the development of bank loans