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ILLUSTRATION. Officer Rank Rupee Currency
KONTAN.CO.ID – JAKARTA. The performance of BUKU I and II is still declining. Data from the Financial Services Authority (OJK) as of April 2018 mentions that the net profit of BUKU 1 Bank decreased annually or of the year (year-on-year) from 20.61%. Meanwhile, the net profit of BUKU 2 Bank has been reduced by 23.64% year-on-year.
The decline in profits, because the lending of small banks is still lethargic. Bank lending 1 BOOK stagnated at 2.98% yoy to 42.5 trillion rupees. While the BOOK 2 bank's growth has dropped 12.39% YoY to Rp 502.47 billion. By seeing this condition, a number of smaller banks are revising the loan disbursement target.
Managing Director of Mayora Bank Irfanto Oeij said that the average credit growth of banking groups BUKU 1 and 2 tends to decline during the first half of 2018. Irfanto has therefore revised the business plan of the bank (RBB) at 8% -9% yoy. Bank Mayora initially forecast loan growth of 13 percent to 14 percent year-over-year.
Economic conditions that have not completely recovered have encouraged clients not to invest aggressively. Same tendency to reduce the cost of their credit. "In addition, there is still pressure from banking groups BOOK 3 and 4," said Irfanto, Sunday (8/7).
In the first half of 2018, Mayora Bank's credit growth reached 8% to 9% year-on-year. On the basis of the June 2017 financial statements, the disbursement of Bank Mayora loan amounted to 3.45 billion rupiahs. While the ratio of unproductive loans or unproductive loans (NPL) was in the range of 2.7% to 2.9%.
In the second half of 2018, Bank Mayora will continue to stimulate lending in the trade sector. Mayora Bank will take care of existing customers while making efficiency, as well as looking for potential customers who can work.
Meanwhile, Dinar Bank director Hendra Lie said he's revised the RBB for loan disbursement, leverage (DPK), and the profit target. Initially, Bank Dinar is targeting loan growth of 17.5% and deposits increased by 12.5% by the end of the year. "Currently, the target is below that," said Hendra, not to mention the percentage details of the company's brand new goal.
According to Hendra, the credit distribution of BUKU 1 Bank in the first half of 2018 generally slows down. Bank BUKU 1 is quite difficult to compete in loan rates with major capital banks. "The banks of the 3 and 4 books have interest rates of 10.5% to 11%, while the BUKU 1 bank is at 13%," Hendra said Sunday (8/7).
In the first half of 2018, Dinar Bank's credit growth increased by 2.27 percent year on year to Rp 1.35 billion. Meanwhile, depositors' funds rose 8.58 percent year on year to Rp 1.77 billion.
Reporter: Maizal Walfajri
Writer: Wahyu Rahmawati
