By doing cross selling products , OCBC NISP seeks to maximize the existing customers credit card business . PT Bank OCBC NISP Tbk ( OCBC NISP ) peg the value of credit card transactions could reach Rp1 , 6 trillion this year , an increase of approximately 45 % compared to R1 , 1 billion over the past year . To achieve this , the company remains focused to maximize its existing customers
"The transaction amounted to Rp130 billion per month . This year sales target of Rp 1.6 trillion , "said Head of Unsecured Loan OCBC NISP Irwan Sutjipto Tisnabudi when met reporters in Jakarta , Wednesday, September 25, 2013 .
He added , in terms of the most widely used transaction for daily grocery shopping ( groceries ) , followed by culinary . Irwan admitted, it is also trying to break into the health segment , such as use for sports activities .
"The transaction we are the many prominent overseas transactions , approximately 20 % of monthly transactions . This is because the exchange rate of our currency was the nicest of all banks issue credit cards from Indonesia , " he said .
According to Irwan , total credit card that has been issued by the company reached 105 thousand cards at this time . Until the end of the year , he added , it targets the card number could reach 120 thousand pieces , up significantly from 75 thousand pieces at the end of last year .
OCBC NISP publish two types of cards , the Liquid Platinum aimed at the upper middle segment with the ceiling began to Rp10 million , and Solid Titanium for the middle segment with loan limit from USD 6 million . The Liquid Titanium portions more about 70 thousand pieces of card .
" For Liquid rate we charge 2.95% in accordance with Bank Indonesia regulations , because it uses much more promptly paid by the customer . Solid while 2.49% interest rate , because the cardholder pays the minimum repayments , "said Irwan .
In terms of the ratio of non-performing loans ( NPLs ) , he said , kept below 2 % , with an election selective segments . Target market was more focused on his own OCBC NISP with many cross- sell products .
" For outstanding loan now around Rp240 billion . Rp180 billion last year , and became the target of Rp260 billion at the end of the year , as was most of our cards are used Liquid is discharged directly paid off , "added Irwan