Danamon's net profit amounted to 1,25 Trillion

Vehicle Loans and financing through Adira Finance were down 4% have an impact on the credit slowdown in the first semester 2015. Danamon PT Bank Danamon Indonesia Tbk (Danamon) recorded total lending throughout the first semester 2015 amounted Rp136,2 trillion or decreased 3% when compared with the same period last year ie IDR 140,6 trillion.

DP Vehicle Loans Decrease 20%

In order to ease the consumers in terms of advances and encourage bank credit, Bank Indonesia lowered the down payment so Vehicle Loans 20%. Bank Indonesia (BI) claims, in addition to loosening the rules of the Loan to Value (LTV) or the ratio of Financing to Value (FTV) for property loans, the central bank also lowered the down payment (Down Payment / DP) for Vehicle Loans .

Stock Market Capitalization BCA IDR 344,76 trillion

BBCA position taped tight PT Unilever Indonesia Tbk (UNVR) with a market capitalization of IDR 330,37 trillion. Indonesia Stock Exchange (IDX) notes, stock market capitalization of PT Bank Central Asia Tbk (BBCA) up to May 2015 amounted to IDR 344,76 trillion. The amount is up from the period of April were only recorded IDR 328,90 trillion.

Citing statistical data exchange, Tuesday, June 16, 2015, BBCA position taped tight PT Unilever Indonesia Tbk (UNVR) with capitalization worth IDR 330,37 trillion, and followed by PT HM Sampoerna Tbk (HMSP) in the third position of IDR 317,76 trillion.

While the four and five positions filled by PT Astra International Tbk (ASSI) with a market value of IDR 295,52 trillion and PT Bank Rakyat Indonesia (BBRI) with a market capitalization of IDR 287,57 trillion.

The position of six to ten existing PT Telecommunications Indonesia (TLKM) of IDR 286,77 trillion, PT Bank Mandiri Tbk (BMRI) IDR 248,90 trillion, PT Bank Negara Indonesia Tbk (BBNI) IDR 126,92 trillion, PT Perusahaan Gas Negara (PGN ) IDR 104,11 trillion and PT Gudang Garam Tbk (GGRM) IDR 90,62 trillion.

BRI Presents Sentra Service for the Customer Priorities

Number of customers, BRI Priority, BRI Jakarta Regional Office 3, per May 2015 has reached 2,500 clients with funds under management of more than USD 2.8 trillion. PT Bank Rakyat Indonesia (Persero) Tbk (BRI) re-open the Priority Service Centers (PSC), the office for a rich client that is located in Bumi Serpong Damai (BSD) on Monday (15/06).

NPL makes Bank Lowering Target Credit

Credit growth is still needed to promote national economic growth. Chief Executive Banking Supervisors Financial Services Authority (FSA), Nelson Tampubolon urged banks to remain cautious in lending. But he also warned banks not to be afraid to extend credit. "There are some banks that said chances are they will look back and they may revise, and that I think is fine. Just before I say no revision because of fear so, but the element of prudence necessary, "Nelson said in Jakarta, Wednesday, June 10, 2015. According to him, there are some banks are already discussing plans yes revised targets this year, is generally a Regional Development Bank (BPD).

Muamalat Provides Financing to BESS Finance

In order to increase the exposure of financing the consumer and corporate segments, Bank Muamalat provide financing facility to BESS Finance. PT Bank Muamalat Indonesia (Bank Muamalat) signed a cooperation agreement with PT heralds Sinergies Finance (BESS Finance) associated with extended financing facility from Bank Muamalat to BESS Finance.

In the agreement, Bank Muamalat provide financing facilities amounting to IDR 200 billion to BESS Finance. Given the finance portfolio Muamalat bank BESS Finance planned to be used as working capital to finance consumer.

Retail Banking Director of Bank Muamalat, Adrian A. Gunadi said loan disbursement scheme covers a period of 36 months including the disbursement of allowances to attract over 12 months with each withdrawal up to a maximum of 24 months.

According to him, the distribution of this funding will also increase the exposure of Bank Muamalat financing, especially in the consumer and corporate segments. Besides this financing is expected to increase interest in more walks of life to be able to transact sharia.

"Cooperation with the BESS Finance will complete spectrum of Bank Muamalat for the public service, in addition to the risks faced financing will be more diversified," added Adrian.

Financing Infrastructure, the FSA Open Opportunities For Foreign

In order to accelerate infrastructure development projects, the FSA opens opportunities for foreign banks to participate. The government is encouraging the development of infrastructure projects that aim to be able to boost national economic growth better. Therefore, it takes an important role for the financial industry, especially banks to participate finance the project. So far, national banks had already participated in the development of the country infrastructure through lending in the sector. However, the government itself is still entirely dependent on the state-owned banks (SOE) to obtain financing in the construction project.

BRI Provides One Stop Service For BKN

BRI and BKN signed a Cooperation Agreement on Provision of Banking Services Employee Payroll, Employee Benefits, and Other Banking Transactions today Monday, June 1, 2015. PT Bank Rakyat Indonesia (Persero) Tbk (BRI) TOTAL LIABILITY provide financial services to the State Personnel Board ( BKN), one of which provides payroll services to all employees of the National Civil Service Agency (BKN).

Maybank Group Profit Grows 6.2%.

Lending in Indonesia grew 7%. While in Malaysia, a decline in funding costs. Maybank Group recorded a net profit of first quarter 2015 amounted to RM1,70 billion, up 6.2% from the first quarter of the previous year at RM1,60 billion. The increase in profit was supported by an increase in revenue of compensation (fee income) is accompanied by credit growth that supports improved performance in all business pillars.

BTN Opens Oportunity to Increase Loan Target

Easing LTV rules will help business performance BTN, especially for home financing nonsubsidi.BTN claimed was counting back lending targets this year. It is associated with the decision of Bank Indonesia (BI) loosen the rules LTV (Loan To Value).

"The numbers have not come out, do not know, may still be rising, which clearly BTN baseball down," said Director of BTN, Irma A Zahirudin on the sidelines of the Second Congress Banker Association for Risk Management  in Jakarta, Wednesday, May 27, 2015.

LTV revelation, Credit Up 1%

BI will loosen LTV to 80%. This rule will be released in early June. Bank Indonesia (BI) will soon revise the rules regarding loan to value (LTV) to encourage lending. The plan, LTV will be increased from 70% to 80%.

Agus DW Martowardojo, Governor of Bank Indonesia, said the policy on LTV will segeral resolved, so that the PBI (Regulation of Bank Indonesia) it could be published in early June (2015) future.

The LTV easing, added Agus, just for the first home. As for the second and third homes still follow the applicable regulations. The same rule also applies to car loans and credit motorcycle. "To the credit of the motor car and DP (down payment) was at least 20%," said Agus in Ambon, Monday, May 25, 2015.

However, the facilities (easing LTV) will only be given to banks that good credit quality, aka NPL (Non Performing Loan) it does not exceed 5%.

BI easing LTV hopes can help drive economic growth. "We believe, easing LTV will also encourage lending. By easing LTV will affect credit growth (rise) by 1% "said Agus.

BCA Supports Badminton Development

As a support to the development of sport in Indonesia, BCA introduce, Mascot BCA Indonesia Open in Bandung. PT Bank Central Asia Tbk (BCA) held the act happening in the area of ​​Car Free Day, at Jalan Dago Bandung, Sunday (24/5). The event was open tournament circuit board on the Badminton World Federation (BWF), titled BCA Indonesia Open Super Series Premier (BIOSSP). In the parade, BCA introduced a mascot BIO 2015.

Mandiri Bank Holds Accor to Strengthen Card Business

One form of cooperation is the joint marketing promotion programs. This promotion is expected to increase loyalty cardholders and Mandiri Bank debit card. PT Bank Mandiri (Persero) Tbk and hotel group Accor network agreed to a global partnership to provide added value and greater benefits to the loyal customers of both companies, both debit and credit card holders of Bank Mandiri and guests Accor hotels.

Bank Will Focus to Improve Credit for Maritime Sector

As many as 62% of respondents said the complexity of the project as a major challenge in the infrastructure sector. Price Waterhouse Coopers (PWC) in the survey states, national banking opportunities to expand or increase lending to the infrastructure sector, it is still has its challenges in the future.

Bank Sampoerna Record Quarterly Profit Rp 8.8 Billion

Increased net interest income Bank Sahabat Sampoerna pushed profits up sharply reaching 8.8 billion. In the first three months of this, PT Bank Sahabat Sampoerna scored a net profit of 8.8 billion, up significantly compared to the same period of the acquisition last year of IDR395 million. Director of Bank Sahabat Sampoerna, Ali Rukmijah mention, that the company's performance is driven by sleek net interest income rose 188.33% to IDR56,34 billion.

Mandiri Signs Credit Commitment IDR 3 Trillion for Pelindo IV

Infrastructure development is expected to be the driver of growth in corporate loans. PT Bank Mandiri Tbk signed a cooperation agreement investment financing Makassar New Port development and modernization of equipment loading and unloading of containers with PT Pelabuhan Indonesia IV worth IDR 3 trillion.

Four Bank Crime Modus

The existing modus of crime has existed since long time. Now the increasingly sophisticated modus operandi and related inter-country. Banking crime rampant. This mode of banking fraud is also growing. Deposit Insurance Agency (DIA) detect, there are about four modes criminal acts are often found in banking crimes. Four modes are, crediting fictitious, withdrawal of funds without the knowledge of  account owner, deposit or savings are not recorded in the books of banks (unrecorded) and also deposit or loan installments that are not passed on to the bank.

BNI Targeting Maritime Credit IDR1 Trillion per Year

If prior to the Net program of the FSA, BNI only disburse 300 billion annually to the maritime sector. PT Bank Negara Indonesia (Persero) Tbk (BNI) responded positively to the program the Financial Services Authority (FSA) with the Ministry of Maritime Affairs and Fisheries (MMAF) and the Chamber of Commerce and industry- in launching the program "Jaring" or RSG (Reach, Synergy, and Guideline).

Banking Bill should guarantee the Customer Rights

Banking Bill is not only egulate the banking business but also set relevant consumer protection. Indonesian Consumers Foundation (YLKI) requested that particular consumer protection unfair practices in contractual terms that do banking to its customers, incorporated into the Banking Bill.

"Currently, there are a lot of unfair contractual terms in the banking industry. For example on existing contractual arrangements often the phrase 'with these customers subject to bank rules and other rules which will be enforced bank', "said Director YLKI, Sudaryatmo, in Jakarta, Wednesday, May 6, 2015.

With the inclusion of rules unfair practices in contractual terms that do banking on consumers to Banking Bill, expected these practices no longer in the agreements between banking customers.

According Sudaryatmo, Banking Bill is not only regulate the banking business but also for the protection of consumers, for example related to unfair contractual terms. "This is to prevent any exploitation of the bank's strong against consumers. There needs state intervention through regulation or a specialized institution, "he said.

In addition, YLKI also asked the Parliament and other interested parties who drafted the Banking Bill to reorganize regarding the protection of customer data. "There must be regulation, self-regulation, consumer education, technology and related institutional protection of customer data," he concluded.

BCA Loosening LTV Credit Rules

Consumer Director of PT Bank Central Asia Tbk (BBCA) Henry Koenaifi estimate LTV easing the rules could encourage the growth of consumer credit, although not overly aggressive.

If the previous BCA target only consumer lending growth in the range of 8% the lowest and the highest 12%. So after the advance payment rules for motor vehicle loans and mortgage loans (mortgage) loosened, growth is expected in the maximum rate is 12%.

Company boost consumer loans, especially mortgages and vehicle loans with various promos. Since last February, for example, the Bank issued mortgage promo 8.88% per year. BCA also provides a 3-year fixed rate package and the next two years at the maximum cap at 9.99%. As for Vehicle Loans, the Company together with its subsidiary, PT BCA Finance sell lottery prizes such as cars of various brands to reach customers.

Meanwhile, President Director of BCA Yahya Setiaatmadja says, the Company does not merely look at the Motor Vehicle Credit and Housing Credit as consumer credit, but partly a necessity. Therefore, BCA dare gives promos for Vehicle Loans and mortgage.

"We also see, in general, the industry is slightly down in 2015. If we see that, whatever we do to stimulate economic activity, "he says.

BNI offers Fixed Rate 9% at REI Expo

PT Bank Negara Indonesia (Persero) Tbk (BNI) offers loan interest rates (mortgage) 9% in the REI Expo 2015 event, which was held at the Jakarta Convention Center.

According to Director of Consumer Banking BNI, Anggoro Eko Cahyo Anggoro, BNI support for the implementation of property exhibition Expo annually REI is one of BNI's commitment in supporting the development of the property industry in Indonesia.

"BNI with BNI Griya mortgage products continue to support the development of the property industry in Indonesia by providing various facilities loan process to help all segments of society have their dream house," ?? Anggoro said in Jakarta on Saturday, 2 May 2015.

BNI itself for the fifth time in the event becoming the official bank of Indonesia's largest property exhibition organized by the Real Estate Indonesia (REI) or REI Expo 2015.

The exhibition, which will take place 2-10 May 2015 offering strategic property projects that spread from the Greater Jakarta area to outside Java.

"As one of the forms of BNI support to the success of the event REI Expo ?? 2015, then BNI Griya BNI presents programs REI Expo 2015 which has the advantage program 9.00% fixed interest rate 1 year, 9.25% fixed two years, "said Anggoro.

Besides, he added, the company also offers promo provisional costs only 0.5%, and administrative costs. The program applies to a wide range of loan purposes, namely home purchase, buying an apartment, buying a shop or purchase a new home office Developers who have had cooperation (MCC) with BNI.

"Program BNI Griya REI Expo ?? 2015 applies to all credit disbursement no later than June 30, 2015, "concludes Anggoro.

Bank Mandiri and AXA make Credit Card Insurance

Insurance protection becomes important considering the huge losses resulting from misuse of credit card crime in Indonesia. PT Bank Mandiri (Persero) Tbk holding its subsidiary PT Mandiri AXA General Insurance (AXA Mandiri), launched the Credit Card Protection Fraudulent Credit Card) as well as products Purchase Protection and Hospitalization Cash Benefit (Purchase Protection and Hospital Cash).

Credit growth of 17% in 2015 will be achieved

BI's plan to issue a regulation extending the coverage of Deposit definition, by inserting securities issued by banks in calculation of LDR, will drive credit growth to 17%. Bank Indonesia (BI) is targeting the growth of bank credit in 2015 in the range of 15% -17%. However, based on a survey of BI in the first quarter-2015, survey respondents revise upwards the target of credit growth in 2015 amounted to 17.1%.

Add More ATM and EDC, Bank Mayora Prepare IDR 5,28 Billion

Currently Bank Mayora has had 40 ATMs in major cities. Not too aggressive, PT Bank Mayora only spend around IDR5,28 billion to increase the number of network Automated Teller Machine (ATM) and Electronic Data Capture (EDC) in this year.

President Director Ban k Mayora, Irfanto Oeij said, it is because today it is already connected with ATM Bersama.

"However, the addition of ATMs will still be made to the region in the company Mayora, making it easier for employees to transact," said Irfanto in Jakarta, Tuesday, April 28, 2015.

The Company's own words Irfanto plans to increase its ATM this year up to 50 ATM. The amount is spread over an area 1 ATM in Bandung,  1 ATM in Surabaya and other in Jakarta.

Currently Bank Mayora has had 40 ATMs in major cities. Thus, this year the company only add 10 ATMs and spend IDR 1.03 billion.

"The ATM was 8,000 US dollars, stay multiplied by IDR12.900 per US dollar exchange rate," said Irfanto.

In addition to adding an ATM, the company will add to the merchant EDC Bank Mayora by targeting this year to 2,500 EDC. Noted, EDC Bank Mayora current 1,400 units.

"Investment EDC that one, 300 dollars (thus the company disbursed IDR4,25 billion). Our EDC this year will rise two-fold, "said Irfanto.

Launching Mobile Phone Accounts, Mandiri Partnering with Three Telecom Operators

With the cooperation of the launching mobile phone account, is expected to provide financial access to the entire people of Indonesia. PT Bank Mandiri (Persero) Tbk cooperation with telecom operators three companies, namely PT Telecommunication Cellular, PT Indosat Tbk, and PT XL Tbk to strengthen inclusive finance. Where these synergies to support in improving access to finance and non-cash transactions.

Interest Expense Erodes Mandiri Bank Profitability Level

Interest expenses are too high which is not in line with the company's interest income, causing the Bank's net interest margin decreased. PT Bank Mandiri (Persero) Tbk recorded a decline in net interest margin (NIM) in the first quarter of 2015. According to the report, the NIM Mandiri until March 2015 fell to 5.62% or lower when compared to the same period last year ie 5.92% .

According to Director of Bank Mandiri, Budi Gunadi Sadikin, a decrease in net interest margin is due to higher interest expense of the company, up to 35.3% in the first quarter of 2015. That is, it is not accompanied by interest income rose only 19.6%, so that this condition causes the net interest margin decreased to 5.62%.

"So if we see it, our interest income is actually a good rise, 19.6%. But in 2014, the bank's liquidity was difficult, so we raise flowers. Well it consequently impact on interest costs. So why NIM down, as interest income rose 19.6%, but interest expenses rose 35.3%, "Budi said in Jakarta on Friday, April 24th, 2015.

This makes the achievement of a net profit of state-owned bank, is no maximum on the first quarter of 2015, amounting to IDR5.1 trillion or grew only 4.3% compared to 4.9 trillion profit in quarter one year ago.

Furthermore, he considered, liquidity conditions in 2014 is very difficult, but to date, the Bank's liquidity has been improved, so that in the future, the company is optimistic that these conditions would increase interest income and lower interest expense. By doing so, NIM will undergo repairs.

"Until now, liquidity is improving, that's why in April we are lowering our funds rate, (deposits) gradually aggressive enough, now we expect in the second quarter of 2015, quarter-on-quarter interest expense could've been much better. It all has to do, "added Budi.

First Quarter of 2015, BNI Distributes Credit IDR147 Trilion

Although lending to cooperatives in the first quarter of 2015 slowed, BNI sure in the next quarter will be improved. PT Bank Negara Indonesia (Persero) Tbk (BNI) records in the Business Banking loan portfolio reaching IDR147 trillion in the first quarter 2015, or 43% of the total loan portfolio of banks BNI per March 2015.

"IDR147 trillion is its banking business, of the total of all. The loan was total 200 trillions more. Well its business banking about 43% of it, "said Director of Business Banking I BNI, Herry Sidhartha, in Jakarta, Monday, April 20th, 2015

According to Herrera, Business Banking loan portfolio in the first quarter of 2015 are recorded IDR147 trillion, more to the large corporate enterprise. "Well, that's banking business is divided into two, IDR147 trillion corporate alone, or we say that corporation," he said.

However, credit growth Business Banking in the first quarter of 2015, said Herrera, tend to slowdown when compared with 2014 last year in the same period. But he did not mention how the growth of Business Banking in the first quarter of last year.

"Maybe a little down, slowdown slightly compared to last year, there are plenty of payment. There payment of bills that have come in, "he said.

However Herry hope, in the next quarter, lending in the banking business has improved, along with the reduced incoming bills. "I hope the hell quarter II, III, IV 2015 until it improves," he concluded.

BCA Donates 2 Tourist Buses

Two buses are an endorsement of BCA, the environmental conservation efforts of Bandung. PT Bank Central Asia (BCA) to support an environmental conservation efforts. Continuing support, BCA provides two pieces of tourist buses, known as bandros (Bandung Tour on The Bus) worth 2 billion to the government of the city of Bandung. This step once a BCA support to enhance the tourism potential of the Flower City.

Commonwealth Bank Indonesia Profit Up slightly

Although outstanding loans grew 15.98%, net profit grew Commonwealth Bank Indonesia only 0.9% on last year. PT Bank Commonwealth Indonesia (Indonesian Commonwealth) during 2014 recorded a net profit after tax IDR207,85 billion, or grew only 0.9% over the same period the previous year.

As is known, in 2013 and a subsidiary of Commonwealth Bank of Australia (CBA) the Group recorded a net profit of IDR206 billion.

"In the midst of a transition period the new government, 2014 was a challenging year for almost all companies engaged in financial services in Indonesia. We are grateful that the Commonwealth Bank Indonesia continues able to maintain a positive performance from year to year, "said President Director of Commonwealth Bank Indonesia Tony Costa in a press release in Jakarta, Friday, April 17, 2015.

Profit was driven by an increase in total revenue of 3.55% or Rp50,92 billion. Net Interest Income Commonwealth Indonesia in 2014, reaching 9.52% to IDR1.03 trillion, driven by the strengthening of credit growth.

By the end of 2014, the Company's total outstanding loans reached IDR15,57 trillion, up 15.98% compared to IDR 13.5 trillion in the same period the previous year, with the NPL ratio - at the level of 0.80% gross.

According to Tony, as the Commonwealth Bank Indonesia's commitment in supporting the national economy, the Bank continues to spur productive sector development. The result, at the end of 2014, SME lending grew 20.8% to reach 2.8 trillion and commercial and consumer loans grew 25.5% to IDR 12.8 trillion. With credit growth in the assets of the Commonwealth Bank Indonesia to IDR 22.2 trillion.

"Our achievement in 2014 is a result of the implementation of the four pillars of our strategy which combines good risk management, liquidity management of healthy, strong teamwork within the organization into a synergy and improved quality of care," added Tony.

New Credit Demand are Slowing

Slowing credit sourced from consumer lending and working capital loans. Bank Indonesia (BI) said demand for new loans first quarter of 2015 slowed compared to the previous quarter. Based on a survey of BI banking, impaired Weighted Net Balance (WNB) in the first quarter of 2015 to 13.7% from the previous quarter to 84%.

Director of the Department of Communications Bank, Peter Jacobs said the funding request is still quite low at the beginning of the year as well as new lending policies are more selective to suppress an increased risk of non-performing loans (non-performing loans / NPL) to cause the slowing demand for new loans.

Based on the type of use, slowing credit growth due to lower growth in consumer loans and working capital loans. Consumer credit slowed because multipurpose loans and vehicle loans decreased. The decline in vehicle loans affected by a decline in sales of cars and motorcycles in the first quarter of 2015.

In January and February car sales fell 0.3% from the previous quarter. meanwhile, motorcycle sales fell 11.1% compared to the previous quarter quarter.

"Based on the economic sector, the decline in demand for new loans occurred in 6 sectors of the economy," said Peter.

The largest decrease occurred in the mining and quarrying sector followed by social services sector, social, cultural, entertainment and other individuals. The decline in global demand, the decline in prices of mining products in the international markets as well as government policy regarding the export ban on raw minerals into the main factor that causes the respondent restrict new lending in the mining and quarrying sector.

Banking survey conducted by the Bank of Indonesia involving the sample of 42 commercial banks headquartered in Jakarta, with a share of around 80% credit of the value of total loans of commercial banks nationwide.

Contactless Payment Users are Grow 49%

Indonesia is one of the developing countries are participating in the cash payment system changes into a service-based mobile Point of Sales (MPOS). MasterCard revealed that consumers in Asia Pacific has become accustomed to the use of contactless payments. This is indicated by an increase in the number of users of contactless payments in 2014 was 49%, compared to the year 2013.

BCA Distributes Dividens IDR148 per Share

Dividends distributed by BCA in 2014 reached IDR 148 per share. This amount includes the final interim dividend. PT Bank Central Asia Tbk (BCA) dividends IDR148 per share of net profit fiscal year 2014. Over the past year, BCA menyetak profit IDR16.5 trillion, an increase of 15.7% compared to IDR14.3 triliun in 2013.

From IDR148 per share dividend, including the interim dividend of IDR50 that has been paid by the Company on December 23, 2014. "Rp50 final interim dividend already divided. Plus IDR98, so it be IDR148, so 20% more (from net income). The existing stock of about 24 billion, "said President Director of BCA, BCA John Setiaatmadja after the AGM in Jakarta Thursday, April 9th, 2015.

Through fertilization back the remaining net income as retained earnings, capital of the Bank is currently a IDR77 trillion. While the capital adequacy ratio (Capital Adequacy Ratio / CAR) rose from 17% to 19%.

AGM also approved the Annual Report of the Company, certify financial statements, as well as providing liability release and discharge (acquit et decharge) to members of the Board of Directors and Board of Commissioners for the actions of management and supervision are implemented throughout the fiscal year ending on December 31, 2014.

BOC has been given power and authority by the AGM to appoint Registered Public Accountant who will examine the books of the Company for the financial year ended 31 December 2015. In the process, the Board of Commissioners shall consider the recommendation of the Audit Committee and the legislation in force.

Bank Mandiri Gives Credit IDR1,76 Trillion to Fishermen

The finance portfolio with this partnership is apt to improve fishing access to bank financing. PT Bank of Mandiri (Persero) Tbk, increase funding for the fishermen through credit scheme, Energy and Food Security Credit (EFSC). Where throughout 2014, the Bank has provided loans to fishermen for IDR 1,76 trillion, growing 15% from the previous year.

BNI Targets Maritime Sector Credit Will Grew 50%

In line with an appeal to the regulator, which asked banks to lend more to the maritime sector, BNI targets 50% growth in this sector. PT Bank Negara Indonesia (Persero) Tbk (BNI) targets in the maritime sector credit grew 50% this year. Currently the bank's loan portfolio in the sector around Rp12 trillion new or 5% -6% of total loans.

"Just still more in the shipyard, ship and processing facilities in the fish industry," said Director of BNI Sutanto in Jakarta, Monday, April 6, 2015.

With encouragement from the Financial Services Authority (FSA) to improve maritime credit, the company will begin to boost credit to the retail segment. Currently, the portfolio of loans in the retail segment new maritime Rp1.2 trillion. However, the Company wants to maintain credit quality. Total loans in the maritime sector is currently 0.9% according to him, but for the retail segment is still above 4%.

"Following this government project, yes 50% rise, but we try so NPL Not to much. But the target remains 50%, "he added.

To increase the credit in the maritime sector, the company will develop partnership programs with fishing groups and cooperatives. The Company also combing the northern coastal areas of South Sulawesi, some areas in the Moluccas, Borneo, as well as the east coast of Sumatra.

FSA is to encourage banks to extend credit is greater in the maritime sector, including marine and fisheries. Late last year, outstanding credit to the sector in the industry only Rp85 trillion, or about 2.83% of the total bank credit. The cause of knowledge and understanding of the banking sector is still minimal.

Therefore, the FSA has made a database mapping for six maritime sub-sector. However, for the initial stage, the new FSA will encourage banks BOOK BOOK 3 and 4 to be involved in the maritime sector financing.

Infrastructure Bank can accommodate Syndicated Loans Banking

The existence of the bank, focus on the infrastructure sector is expected to become the motor syndicated loans by cooperating with other banks. Finance Minister Bambang P.S. Brodjonegoro hoped the presence of an infrastructure bank would encourage the involvement of banks in financing infrastructure.

"Not all banks are willing to finance infrastruktrur, because of its risk appetite are not logged in. My shadow is to build an infrastructure bank syndicate of banks, "he said in a Forum with the theme" Infrastructure Bank, Important or Not? "In Jakarta, Thursday, April 2, 2015.

During this time it has been involved in banking lending infrastructure, but the portion of new financing 16.8% of total loans or just IDR 244,8 trillion. The presence of an infrastructure bank is expected to give comfort to the banks, so that would be involved in infrastructure financing syndicate.

"If you go sendir, i risk is great, the bank may also forward-backward for fear. So we hope that the bank is attractive to private and local, "he added.

Director of Bank Mandiri Budi Gunadi Sadikin admit, banks can not give too much on infrastructure financing due to constrained liquidity and capital problems.

"The Bank of high-regulated businesses all set. We can only credit institutions love 20% of the capital. BMRI IDR 100 trillion of capital, if any foreign loans, to borrow a loan can only IDR 20 trillion, can not get more. If you want the other syndicated "he said on the same occasion.

Commonwealth Bank Offer Credit Through Mobilephone Applications

PT Commonwealth Bank Indonesia has launched BizLoan. With this application, customers Commonwealth enables its customers to get a loan without collateral without the need to come to the bank.

Executive Vice President Head of Channel and Digital Business Commonwealth Bank, Donny Prasetya mention that this application is based smart mobile applications designed for Micro Small and Medium Enterprises in applying for a loan of up to USD 500 million. Flowers are also offered competitive thinks that 1.3% for a period of 3 years.

"This application can be downloaded for free in the AppStore and Google Play," said Donny in BizLoan launch in SME Tower, Jakarta, Tuesday, March 31, 2015.

According to Donny, a lot of Micro Small and Medium Enterprises which have had a compelling business opportunity and could be financed by banks. Even so, many of them are yet to be financed by banks for a variety of things. Therefore, they are reluctant to come to the bank be able to download this application and apply for a loan without the need to bring a copy to the requirements of the bank.

"We did not join the program initiated by the intelligent behavior of the FSA, customers segment is not appropriate. But this is the way we participate in branchless banking program, "he added referring to a program without a branch bank recently launched the FSA.

Currently, this BizLoan program while only valid in Jakarta, Bogor, Depok, Tangerang, Bekasi, the article, after charging the customer application requirements, Commonwealth Bank representatives will visit the Micro Small and Medium Enterprises is. However, Donny does not rule out the possibility that in the future, this program can be used by the Micro Small and Medium Enterprises in Indonesia.

Government Distributes Credit Through BPD

BPD involves the government, to support productive lending. Credit is designed to complement the People's Business Credit. Deputy Finance Ministry of Cooperatives and Small and Medium Enterprises, Choirul Jamhari stated the Ministry of Cooperatives and Small and Medium Enterprises will involve the Regional Development Bank (BPD) in a productive business loan program.

"It will be launched productive business loans, to complement the People's Business Credit, the existence of this productive business credit hopefully be a contributor to increasing financial inclusion, this will involve BPD throughout Indonesia," he said in a National Seminar BPD throughout Indonesia with the theme "Support Asbanda Towards Transformation Program BPD Regional Champion "in Jakarta, Wednesday, March 25, 2015.

Products for the micro segemn said, would ease the process of know your customer or client identification process because it involves government officials from district to village level. By involving the government apparatus according debtor information system will be concrete and legitimate. Then the data collected by the officials of the Village to the District can be followed up by the BPD.

The program has been launched, but he thinks the new Holy. Microcredit was pegged at 0.95% interest and tenor of 5 years.

Chairman Asbanda, Eko Budiwiyono said Asbanda really want to make credit products together. The preparation of these products together is one step in the transformation of BPD as a regional champion.

"For example, if you have a product development, the product also for the whole BPD, so with its IT platform, the same product development, procurement is also more efficient maybe we can do together, so there is a strategic process of holding, so truly holistic and efficient," Eko said

Aggressive Target of Yudha Bhakti Bank

Amid economic uncertainties Bank of Yudha Bhakti optimistic to reach the target mounted in 2015. The Bank is targeting earnings grew 170%. PT Bank Yudha Bhakti, Tbk (BBYB) target profit in 2015 amounted to Rp48 billion, a rise of up to 170% when compared to earnings in 2014 which amounted to Rp17,093 billion (unaudited).

According to the Director of Compliance of PT Bank Yudha Bhakti, Lim Wardiman, the significant growth of the company's profit is also accompanied by a rise in corporate lending which is targeted to grow by about 33% in 2015. This target is lower when compared to credit growth in the previous year grew 35 %.

"With our new Director will boost commercial credit. As of June 2016 the composition was 55% earning credits, (for) BOOK I should rest another. The present composition of the production range of 20% -30%, the rest of consumption, "Lim said in Jakarta, Tuesday, March 24, 2015.

Although in 2015 the national economy are uncertain, the company is optimistic all the target will be achieved. "It's a bit heavy with the current conditions, there is also the effect of weakening rupiah impacting slowdown in certain sectors. But the pension credit tetep road, "he said.

As for non-performing loans (non-performing loans / NPL) further Lim, the company targets can NPL in press under 2%. "This year we NPL approximately 1% late lah. Strategy, we're currently developing credit no comparable increase, of billing division will also be increased further, "he concluded.

CAR is Safe, Mandiri Bank Continues Expansion

PT Bank of Mandiri (Persero) Tbk believes the level of capital adequacy (capital adequacy ratio / CAR) throughout 2015 remained at a safe level, despite continued expansion. Until the end of 2015, the CAR is estimated at the level of 16.2%.

Finance Director of Bank of Mandiri, Pahala N Mansury, said that so far the CAR of Mandiri Bank level was at 16.6%. This figure is safe for the Bank to expand. In fact, these numbers will not be significantly down throughout 2015.

"If until the end of this year, with the new FSA rules in which profits directly at the beginning of the current year is calculated as the CAR, hopefully later this year (CAR can reach) 16.2%," said Pahala, on Monday, 16 in March 2015.

Pahala said, although this time the General Meeting of Shareholders (AGM) decided to divide the dividend by 25% of the net profit in 2014 then or equal IDR 4,97 trillion, it still could have a capital adequacy at the level of 16.5%.

"Taking into account the company's expansion this year, the capital adequacy ratio is projected to be reduced by about 0.2% to 0.3%", clearly Pahala.

Meanwhile, on the same occasion, Director of Independent Budi Gunadi Sadikin, say, in the future the Bank will maintain credit quality, although the level of problem loans (non-performing loans / NPL) the company is still considered good when compared with the condition in 2008 in which the NPL penetrate 3%.

"Self comfortable with the current NPL. NPL we are now the lowest in history. We're pretty sure NPL provisioning can be maintained because we are many, we hold above 200%, it shows our conservatism, "added Budi.

CIMB Group Achieves Net Profit RM3,107 Billion

CIMB Niaga's contribution to CIMB Group is also affected by the impact of the depreciation of the rupiah to 8.9% (on average) over the same period the previous year. CIMB Group Holdings Berhad (CIMB Group or the Group) recorded a net profit of fiscal year 2014 (FY14) amounted to RM3,107 billion, equivalent to earnings per share (EPS) of 37.5 cents worth. Outside the acquisition is not routine in FY14 and FY13, net income The Group's Business As Usual (BAU) in FY14 decreased by 24.6% year on year (YoY). Return on equity (ROE) net annualized 9.2% for FY14.

Independent Shareholders may Fails Merger Mandiri-BNI

Chairman of the Indonesian Association of Securities Analysts (AEEI) Haryajid Ramelan revealed plans merger of PT Bank Mandiri Tbk (Independent) with PT Bank Negara Indonesia (BNI), the possibility can not be easily applied and it took a long time.

Moreover, both the state-owned company that has a different culture, so it is difficult to combine. "I think not easy. Bank Mandiri, which comprise the results mergerpun not be a major player in Asean, "said during the discussion titled Issuer Haryajid Talk Industry (EBI), which takes the theme" Looking at the consequences of the Merger Two Open Company "on Wednesday, 18 February 2015.

To that end he suggested, rather than a merger, it helps both parties to strengthen the human resource base to compete in the ASEAN Economic Community (AEC). Therefore, he concluded, it's good business merger is not necessary.

"Indeed, the merger can not be forced. MEA does not have to be a scary thing. Other countries may also be afraid to face the MEA, "he said.

The same thing also expressed by the Capital Market Law Expert, Indra Safitri. He said, not easy to unite two great companies like Mandiri and BNI.

Moreover, no rule to say independent shareholders also determine the business merger. That is, despite the government's authority in the merger business as majority shareholders, public shareholders must also be considered, whether you agree or not.

Because it speaks the risk of conflict of interest contained in the FSA rules. "Well this is when opposed by independent shareholders, will not happen," he concluded.

There Will Be No Bank of Malaysia and Singapore are links to Indonesia

ASEAN Banking Integration Framework (ABIF) specify which banks are able to get into a country with ASEAN quilified specification Bank (QAB). This is done to support the growth of a uniform bank of each country in ASEAN.

Deputy Commissioner of Banking Supervision of the Financial Services Authority, Mulya E. Siregar said, a real example of an agreement on earlier ABIF is there will be no bank of Malaysia and Singapore into the country. This will continue to happen until banks in the country were able to open their branches in both countries.

"It's like playing football, we have already lost 3-0 compared to Singapore. So, if we've opened 3 banks there, they may add another new here, "he explained, in the event Metland Economy and Business Outlook 2015.

He continued, there are at least some state-owned bank that was getting ready to open branches abroad. However, he was not sure when its realization.

Still according Mulya, to be able to open branches abroad, not just banks BUKU 4 is capable of. BUKU other banks are also capable long as it has good performance.

"In the past, domestic banks could not open branches abroad with regulatory reasons. Now, our regulations are open. So, stay banking course, want when it started to open branches abroad, "he concluded.

NPL Trade Increase, Bank Keep Trade Quality

Banking credit  which majority related with trade quite worrying, because there is an increase in NPL. Awaiting bank loans that were sucked into the trade sector (trade) should receive more attention, at a time when increasing the ratio of non-performing loans (NPLs) in the sector. Head of the Division of Economic Risks, LPS, Doddy Ariefianto say, an increase in nominal NPLs to 30% on last year. "Mining and agriculture have long since export performance down. New comer manufacturing and trading is a trading concern because the market share of 20% in both the GDP and credit, "he said in Jakarta, Wednesday, February 11th, 2015.

He explained that the increase in NPLs in the trade and manufacturing sectors which reached 30% is also affected jebloknya Indonesia's export performance over-reliance on commodities or materials mentas as mining and agriculture.

According to him, the credit disbursement to entrepreneurs in the real sector itself can not be separated from the ability to pay the loan installments both principal and interest. Worrying, Doddy said, because there is the addition of receivables or inventory cycle which is usually sold in 58 days as in 2013, last year increased to around 65 days.

"The additional 10 days is greatly affect the company's liquidity. When the crisis in 2008, it could be 80 days (stock of new goods sold), "he said.

Therefore, the banking industry was asked to be on guard in lending, and pay attention to the quality of its assets. "2015, the banks still have to be careful for credit disbursement. Do not speeding. It (the economy) is not allowed. Growing (credit) 14-15% I think enough, "Doddy lid.

BTN is Optimistic to Press NPL in Level 3%

The Company believes the program one million units per year provides a great opportunity to boost the company's business performance. Director of the BTN Tbk, Maryono set the amount of bad loans or non-performing loan (NPL) at close to 3% this year. As for the NPL in 2014 is estimated to be below 4%. "If the NPL in 2014 is likely to remain below 4%, I can not say, must wait for the results of the audit," said Maryono, in Jakarta, last weekend.

Bank of Victoria Multiplies Bancassurance Premium

This year Bank of Victoria would double the premium income. This is consistent with the achievement of premium revenue to close the year 2014 amounting to IDR 120 billion. PT Bank Victoria International Tbk (Bank Victoria) until the end of 2014 recorded a premium income of insurance products in the form of bancassurance for IDR 120 billion. Previously, Bank Victoria only targets premium income of IDR 100 billion.

Deputy CEO of Bank Victoria Anthony Soewandy revealed, this year the Bank of Victoria would double the premium income. This is consistent with the achievement of premium revenue to close the year 2014 amounting to IDR 120 billion. In fact, the target is only IDR 100 billion.

"Since last year's achievement passed through the target, we believe that we have the capability and the existing cooperation, Bank Victoria could get premium income of IDR 200 billion," said Anthony, met on the sidelines of the launch of VIP Pro Invest, on Tuesday , January 27, 2015.

In order to increase its premium income from bancassurance side, until now the Bank of Victoria has worked with a number of insurance companies, such as Generali Life Insurance Indonesia, BNI Life Insurance, FWD Life, Manulife, and Sinarmas MSIG.

"The biggest bancassurance premium income of Generali Insurance Indonesia. If we assume 100%, then the portion of Generali Life Insurance Indonesia contributed approximately 65% of the premium income, "added Anthony.

BRI Opens Branchs in Singapore

Although has a network of more than 10 thousand units in Indonesia, BRI does not turn a blind eye to remain overseas expansion. PT Bank Rakyat Indonesia (Persero) Tbk (BRI) intends to increase its overseas network by opening offshore branch in Singapore. Although not able to run a full service activities as a full branch, the company remains optimistic about the network's presence in Singapore.

"We're going to create a branch in Singapore. Assess our business there. Target completion this year, "said Acting Director of BRI, Asmawi Syam, in Jakarta, recently.

Associated with the opening of a branch office outside the country, before the company already has three branches outside Indonesia, namely in New York, Caymand Island and Hong Kong. Despite having a business focus in the retail sector, particularly in micro, small and medium enterprises, entrepreneurs share of BRI still aiming for Singapore.

"Singapore, many workers there. Employers much there, "said Asmawi.

Corporate Secretary of BRI, Budi Satria added, it does not open a branch office (full branch) in Singapore which is much more stringent licensing requirements. Banking authority in Indonesia was struggling to put forward the principle of equality or resiprokalitas with banking authorities in Singapore.

"So, offshore branch, the activity should not be limited as to take funds (deposits) from Singapore customers. We are processing licenses, "said Budi.

FSA Collects the Financial Services Industry Performers

FSA Board of Commissioners Chairman, and the Government will provide the direction and outlook for the financial services industry related to the role of the financial services industry to the economy of Indonesia. Financial Services Authority (FSA) collects 671 invitees from state institutions to the leadership of the financial services industry actors banking, capital markets, Non Bank Financial Industry (NBFI), along with several associations of the financial services industry.

Mandiri Bank Embraces Three Foreign Banks to Develop Repo Market

Mini Master Repo Agreement Implementation is done by exploiting the use of standard contracts in repo transactions / reverse repo interbank. PT Bank Mandiri (Persero) cooperates with three foreign banks, the Bank of Tokyo-Mitsubishi UFJ, JP Morgan Chase Bank and Hongkong & Shanghai Banking Corp. (HSBC). This cooperation to strengthen the financial markets through the use of services repurchase (repo) / reverse.

IDR 9 trillion Rights Issue, Mandiri Bank Ready to Compete in ASEAN

The additional capital for Bank Mandiri's rights issue will be used to strengthen limit Lending Limit (LLL). Strong capital becomes important for national banks to be able to compete with other Asean countries. The existence of these conditions, the government through the Ministry of State-Owned Enterprises (SOEs) will provide additional capital in one state bank PT Bank Mandiri Tbk. According to Director of Bank Mandiri, Budi Gunadi Sadikin, the capital increase will be carried out through the issuance of new shares scheme alias rights issue in 2015. He claimed, of the rights issue the company will obtain fresh funding which is expected to IDR 9 trillion.

This year, Credit Hard Grow Above 20%

Economist at Standard Chartered Bank Indonesia Ichsan estimates, the growth of bank lending in 2015 is difficult to reach 20%. Credit disbursement is expected to grow just below the rate of 20%.

"Because there is a policy Funds rate hike, credit will not rise much. Credit can not grow above the 20% ", said Fauzi, encountered in the hospitality event held the Financial Services Authority (FSA), FSA Central Office, Jakarta, Monday, January 5th, 2015.

However, Fauzi assess the inflation rate will not fluctuate too high, so as not to burden the industry's growth in 2015. In fact, the decline in oil prices will have a positive impact. "The impact of inflation is positive due to two factors. One Fed Rate. Both oil prices go down, "he said.

Meanwhile, on the same occasion, the Chairman of the Board of Commissioners FSA, Muliaman D. Hadad said the government's policy to reduce the price of fuel oil (BBM) as Premium and Diesel, is expected to grow the bank lending above the average Bank Business Plan (RBB 2015).

According to him, the government policy of lowering fuel prices provide a space for public consumption. "Thus, the tightness of bank liquidity is expected to be resolved," he said.

Furthermore, he added, the reduced problem due to tight liquidity in the banking believed to encourage credit growth to exceed the target average in the RBB in 2015 by 16%.

"I hope that this year could be slightly reduced liquidity pressure, then the credit growth will be slightly higher than the Bank's Business Plan submitted to our banks for 2015," said Hadad.