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TRIBUNMANADO.CO.ID, JAKARTA – Credit risk decreasing in line with the improvement in the bad debt ratio (NPL) led some banks to lower the cost of reserves
PT Bank OCBC NISP Tbk, for example, in the first half of 2018 lowered the cost of provision by 61% year-on-year (yoy) to June Rp. 4.3 billion
However, compared to the position at the end of December 2017, this number has further increased despite a slight 5% According to Hartati, director of OCBC NISP, the cost of the provision for loss of value (CKPN) will decrease by the end of the year. # 39; year. Indeed, the ratio of non-performing loans of OCBC is very low.
This is reflected in OCBC's nonproductive lending position at the level of 1.8% or 1.9% per annum. While net NPL in June 2018 is 0.7% or down from the previous year's position of 0.9%.
Due to lower cost of provision, OCBC recorded a net profit of Rp 1.33 trillion in the first half of 2018, 1850
"It is estimated that CKPN's burden in 2018 will decrease relative to the year before, "he added.
PT Pembangunan Bank Daerah Jawa Timur Tbk (Bank Jatim) also recorded a decline of CKPN
Director of Finance Bank Jatim Ferdian Satyagraha revealed, from the second quarter of 2018 the total cost of reserves of Bank Jatim only Rp 42.7 billion, down 58.05% year-on-year. "In decline because our credit quality is improving," said Ferdian.
Ferdian predicts that CKPN will decline by the end of the year compared to 2017 which reached Rp 213 billion.
"If last year, June 2018 to the end of 2018 will certainly look, it's because there is a credit expansion, "said Ferdian.
As this year, the bank CKPN issuers of CKPN codes is expected in this year will be in the maximum range of 60% of the total burden CKPN last year
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