Infobank Research Bureau notes the four major banks that fall into the category of BUKU 4 They include BCA, BRI, Bank Mandiri and BNI. Following their performance.
1 BANK CENTRAL ASIA (BCA)
In the middle of a global economic pressures which impact on the domestic economic slowdown last year, Bank Central Asia (BCA) should take surefire ways to keep the business running the sustain and generate optimal profits for shareholders. Some strategic steps were carried out bank which led by John Setiaatmadja as this president in 2013.
So, strategic efforts such as what is the key to successful banks that recorded growth in earnings per share of 20.60% from 2012 to Rp579 Rp480 at the end of this last year? One, the Bank seeks to strengthen its network (office and service) while enhancing the reputation and "brand" it as a transactional reliable and trusted community.
In concrete terms, the move was later followed up by adding the management of the Bank automatic teller machine (ATM) as many as 2,022 units, cash deposit machine (CDM) as many as 298 units, and the new branch network by 51 branches. In addition, expanding the penetration of electronic data capture (EDC) at various merchants who often become the destination client.
With that effort, the bank pocketed third-party funds (TPF) of Rp411,18 trillion or an increase of 10.67% from Rp371,54 trillion in 2012, this hope has more chance of funding to maintain the stability of the low cost of funds than the current accounts and savings .
In another positive effect, the expansion of the service network also helped boost the growth of the Bank transactions, either through branches and electronic channels (e-channels). Merely for information, in 2013 the value of the transaction at the Bank branches increased 10.1% with a total transaction penetrate Rp15.200 trillion. Meanwhile, the value of transactions using ATM, increasing 20.20%, equivalent to Rp1.541 trillion. Thus, the accumulated value of transactions in internet banking and mobile banking also grew quite high, which is equal to 30.90% with the total number Rp5.122 trillion.
The next strategy is to more actively promote while offering deposit products coupled with a "sweetener" to customers in the form of higher interest rates. For your information, in early November last year, in line with the strategic steps, BCA ventured to adjust their deposit rate by 75 basis points (bps) to 7% from the previous 6.25%.
To reporters, John revealed that the increase in the deposit rate as well as a response to the tight competition for BCA public funds. John added, it actually has symptoms suggests a tightening of liquidity since the first quarter of last year.
Therefore, the Bank also took steps to boost the acquisition of TPF, mainly sourced from expensive funds (deposits), in the second quarter of 2013 Once again, this step is also proven to anticipate the tightness of the acquisition of public funds in the national banking industry. By doing so, the bank remained able to maintain TPF acquisition and its position in order to remain strong.
With the strength of its deposits, the Bank was still able to print business growth in credit. Late last year BCA credit grew 21.69%, from Rp257,79 trillion to Rp313,71 trillion. Interesting to note Infobank Research Bureau, BCA is the top banks are very concerned about the quality of assets. Similarly, the credit quality has been continuously maintained.
Strengthening the application and credit approval process is a powerful tool to keep the ratio of non-performing loans in the Bank, which last year was only 0.4%. Although relatively low, the Bank still promote prudential banking in extending credit. So that other important notes, throughout 2013 the bank was also diligent in maintaining the level of reserves against troubled loans at a high level, which is equal to 408.7%.
With credit enhancement and strengthening of network services, both traditional and electronic-based services (e-channels), the accumulation of interest income and non-interest income of the Bank recorded Rp33,70 trillion. John also revealed that, in 2013, the Bank's net interest margin increased by 60 bps to 6.2% from 5.6% in 2012.
Achievement that is what ultimately accounts for the growth in earnings after tax net BCA 21.70% of Rp11,72 trillion in 2012 to Rp14,27 trillion at the end of last year. "Strong profitability has supported capital firm with a capital adequacy ratio (CAR) increased to 15.7% in 2013 from 14.2% in 2012," said John,early March.
2 BANK RAKYAT INDONESIA (BRI)
COMMITMENT all the directors and shareholders of Bank Rakyat Indonesia (BRI) to continue to promote and develop the state-owned bank's business from time to time became stronger. Efforts and breakthroughs that are driven by Sofyan Basir as managing director and other board of directors to expand the network and the domestic market penetration always have the full support of the government as the main shareholder with a bank's total assets Rp626,18 trillion.
That is why, BRI was confident to face the era of open markets of ASEAN in 2015. Moment is the trigger for a bank that is now supported by a network of more than 9736 offices and 18,000 ATMs office is to continue to grow and to pump its financial performance on an optimum level.
BRI's commitment to continue to strengthen their capital was also evident. It is characterized by increased core capital amounted to 28.56% of BRI Rp52,32 trillion in 2012 to Rp67,27 trillion at the end of last year. Of course, this being the "power within" that is strong enough for BRI to expand throughout this political year and subsequent years.
Strengthening core capital is one of them driven by a profit last year grew 14.27% to Rp21.35 trillion. To reporters, Sofyan Basir said that the strengthening of the profit contributed by the increase in operating income of Rp65,40 trillion or 16.2%, consisting of interest income Rp57,30 trillion and non-interest income Rp8,10 trillion .
The interest income generated by lending amounted Rp448,10 BRI-around Rp320,40 trillion trillion is outstanding credit to MSME customers last year reached 6.8 million people. "Happily, the credit quality can be maintained, even improved. (It) is reflected in the ratio of non-performing loans amounted to 0.31% (net). This ratio is the lowest in the last eight years, "said Sofyan.
3 MANDIRI BANK
STEP of MANDIRI Bank to become one of the regional banks at the same transactional increasingly unstoppable. With the support of a growing asset to reach Rp733,01 trillion last year, the bank is more stable expanding network (services) and develop innovative e-channels her up into the country.
Strategic steps to develop an e-channel network and is not separated from the motivation of banks led Gunadi Budi Sadikin as managing director is to strengthen the collection of third-party funding (TPF), which in fact is the source of power to boost credit growth.
The effort was indeed proven. In 2013 the bank recorded the TPF as a bank with the biggest acquisition in the national banking industry, which exceeded Rp556,34 trillion. "We hope, TPF continues to experience good growth in 2014 (to it), we will strengthen the network," said Budi, the end of April.
Commitment to increase the service network was also evidenced bank. As of March 2014, the bank posted a profit last year Rp18,82 trillion has added 250 units of 2,061 branches thus become units. Not only that, the bank also add 529 ATMs to be 11,514 units and 46 171 electronic data capture (EDC) to be 240 468 units.
4 BANK NEGARA INDONESIA (BNI)
ALTHOUGH uncertain domestic economic conditions, the credit last year Bank Negara Indonesia (BNI) was still growing well above the industry, which reached 24.85% or be Rp250,45 trillion. Positive note, the credit rate is accompanied by concrete efforts to maintain the credit quality BNI well. It was characterized by decreasing the ratio of non-performing loans in the past year to reach 2.17%. On the other hand, BNI improving net interest margin (NIM) of 5.93% in 2012 to 6.11%.
Credit growth has prompted an increase in net interest income is recorded about Rp19,00 trillion. Late last year, BNI profit was rose 28.51% to Rp9,05 trillion. From the profit, for the benefit of the corporation forward, BNI management agree to set aside approximately 58.5% or Rp5,297 trillion worth of retained earnings.
However, along with the economic slowdown and the direction of central bank policy, in 2014, BNI will put the brakes on credit between 14% to 17%. "We will grow 17%. We have confidence, development must continue, "said Gatot M. Suwondo, Director of BNI, told reporters.
In order to realize this target, BNI plans to suppress the growth of consumer credit and direct it to the growth of business banking. BNI will also continue to maintain the best possible credit quality. Then, what about the direction and future targets loan portfolio? For 2015-2017, if the economic conditions show symptoms better and healthier, BNI intend to set a target that is a moderate-aggressive, and then back to a moderate-conservative in 2018.