Banking

Banking Dilemma

Posted by Romeo on July 23, 2011
Posted in: Banking. Tagged: , , , , , , , , , . Leave a Comment

Banking in Indonesia is currently experiencing a dilemma with increasingly intense competition in the banking industry, and not only that the banking industry actually driven or controlled by the debtor and the large depositors who always ask for special rate.

With the tight competition of the banking industry today borrowers and depositors in interest rates could make comparisons with other banks, thus giving the impression it is they who control the banking industry. Coupled with the rules of Bank Indonesia (BI) in implementing the Basic Loan Interest Rate Policy (SBDK), which must be announced to customers, who applied for the initial phase in 43 banks with assets above Rp 10 trillion.

Bargaining power lost by the debtor banks or depositors. So-race pitted rate. It is also seen with a decrease in net interest margin (net interest margin / NIM) from the previous 6.5 percent to 5.8 percent. Continue Reading

Still Reluctant Bank disburses loans to SMEs

Posted by Romeo on July 1, 2011
Posted in: Banking. Tagged: , , , , , , . Leave a Comment


Bank Indonesia (BI) noted lending Micro, Small and Medium Enterprises (MSMEs) is still very low at below 10% since January to May 2011. The central banks continue to direct bank loans to boost the productive sector to prevent the economy ‘overheating’ or overheating.

SME credit growth is still low because the current BI differentiate credit or MSM MSME Micro, Small and Medium Enterprises. The new SME credit growth below 10%.

BI differentiate and MSM MSME credit because banks are currently classified as MSM is still a lot of the credit channel that still smelled of consumptive than SMEs that are productive. “MSMEs is purely used for business, in contrast to the consumerist MSM ever BI is now encouraging banks to better distribute to the MSMEs.

Furthermore Edy said the credit for MSM is still growing quite well, reaching 24% until May 2011 (annual).
Continue Reading

Bad Debts Rise Rp1 Trillion

Posted by Romeo on May 18, 2011
Posted in: Banking. Tagged: , , , , , , , . Leave a Comment

Until March 2011 the number of bad loans banks reached Rp 31.336 trillion, an increase of Rp 1 trillion more than the position in March 2010 which amounted to Rp 30.295 trillion.

Similarly, banking statistics quoted from Bank Indonesia (BI), Wednesday (05/18/2011).

Based on BI data, the amount of nonperforming loans (NPL / Non-performing loans) from banks reached Rp 50.969 trillion. Total NPLs rose from the position in March 2010 which amounted to Rp 48.908 trillion. NPL ratio of banks in March 2011 reached 2.81%.

Throughout the quarter I-2011, total bank credit disbursed Rp 1814.846 trillion. An increase over the same period the previous year USD 1456.114 trillion.

Of the total loans in March 2011, as much as Rp 1676.714 enter the current category. While Rp 10.275 trillion in the category substandard, Continue Reading

In 2 Months Total Credit Card Transaction Reaches Rp. 27 Trillion

Posted by Romeo on April 18, 2011
Posted in: Banking. Tagged: , , , . Leave a Comment

Indonesian Bank (BI) noted the total value of credit card transaction until February 2011 reached Rp. 27.2 trillion, with the volume of transactions reached 32.9 million transactions. Although there is a decrease compared to the previous month, central banks assess the death cases Citibank credit card customer Irzen Octa will not affect the use of credit cards in general in the future.

“Credit card transaction during February 2011 to reach Rp. 27.2 trillion, with the volume of transactions reached 32.9 million transactions. This figure is lower than in January 2011 which amounted to Rp. 13.98 trillion,” said Deputy Governor of Bank Indonesia, S. Budi Rochadi in Jakarta on Monday (Apr 18, 2011). Continue Reading

Afghan President Acts expressly illegal banking

Posted by Romeo on April 11, 2011
Posted in: Banking, Economy. Tagged: , , , , . Leave a Comment


Afghan President Hamid Karzai has announced a number of decisive action in order to solve cases of non-performing loans. Karzai also determined to give sanction to the shareholders who violate the rules on state-owned banks, Kabul Bank, which nearly went insolvent last year.

Kabul Bank previously had to be taken over by the Central Bank of Afghanistan after the former executives suspected of providing large loans to a customer. However, funds are disbursed only for personal use is suspected that most of it used to buy luxury properties in Dubai.

“They (the naughty shareholders) will not have a stake in the bank and the loans they have taken must be repaid within one month,” Karzai said in a press conference in Kabul yesterday. “If they pay back within a month, it’s okay . If not, they will be subject to punishment by the government of Afghanistan,” he added.

Continue Reading

BRI’s Profit Reach Rp. 11.47 trillion

Posted by Romeo on April 8, 2011
Posted in: Banking. Tagged: , , , , , , , , , , , , , . Leave a Comment

Bank Rakyat Indonesia Ltd Co reached profit Rp. 11,472 trillion during 2010, or increase of 56.98 percent compared to its profit in 2009 amounted to Rp. 7,308 trillion. This achievement make BRI obtain the highest profit among other banks for six consecutive years since 2005.

Sustained earning growth of total assets rose 26.58 percent from Rp. 314,746 trillion in 2009 to Rp. 398,393 trillion in 2010. The increase in capital also grew 34.54 percent from Rp. 27,257 trillion in 2009 to Rp. 36,673 trillion in 2010. Continue Reading

How To Bill Arrears Credit Card In BRI

Posted by Romeo on April 8, 2011
Posted in: Banking. Tagged: , , , , , , . Leave a Comment

The use of third party services to collect on bad debt (debt collector) into the spotlight after the death of a Citibank customer, Irzen Octa. Many parties, including the Parliament requested that Bank Indonesia (BI) prohibits the use of debt collector by parties outside the bank.

The use of debt collector is common for banks, because it is regulated in BI. Circular Letter number 11/10 of 2009 on the Implementation Of Tool Card Payment of which regulates the use of the collector’s services. Continue Reading