PT Bank Central Asia Tbk ( BCA ) remains optimistic about the performance of consumer loan or consumer loan , despite the national economic growth is slowing due to declining export performance .
Vice President Director of BCA , said Eugene Galbraith , restrained consumer credit growth this year , according to the needs or demands are somewhat decreased . " ( Credit consumption BCA ) is still quite strong but growth is not like previous years , " he said in Jakarta , Monday, June 2, 2014 .
The Company recorded , the total outstanding grew slightly above appeal regulators in the range of 15-17 % , which is up 19.7 % from Rp . 264.98 billion in the first quarter of 2013 to Rp . 317.19 billion in the first quarter of 2014. Nominal From these , at 33.4 % is corporate loans , while commercial loans and consumer loans and SME respectively 39.1 % and 27.5 % .
Especially for consumer credit , recorded a growth of 21.6 % for one year to Rp . 87.1 trillion . "If I remember rightly , mortgage rose a few percent but not as sharp as in previous years . MVC stable . Credit card ok lah , "said Eugene .
House Own Credit ( mortgage ) rose 20.9 % in setahunan to Rp . 52.9 trillion . While the Motor Vehicle Credit ( MVC ) grew 23.8 % to Rp . 26.9 trillion . Meanwhile , credit card loans outstanding increased 18.3 % to Rp . 7.3 trillion .
" Growth is not too spectacular , but also not very dynamic . So we felt it was in accordance with the policies of BI and the Indonesian people , " said Eugene .
Previously , Bank Indonesia has stated that the development of the global economy such as China's economic slowdown and the decline in world commodity prices are more in , any application of mining law in the country of export performance thus suppress potentially reduce national economic growth be in the range of 5.1 to 5 , 5 % , from the previous estimate of 5.5 to 5.9 % level .
However , for domestic consumption , the central bank assesses no significant problems , and is predicted to grow in the range of 5.1 to 5.5 % in 2014 , higher than the initial estimate of 4.9 to 5.3 % level . While the investment is still at the same level grew from 4.8 to 5.2 % .