The increase in interest rates and competition to obtain public funds to make up the cost of funds . In running a business , it is common for banks to shift the burden of the debtor .
PT Tbk National Savings Bank ( BTPN ) will shift the rising cost of funds or cost of funds , in line with the increase in the benchmark interest rate (BI rate) and the competition for obtaining third-party funding ( TPF ) .
" For lending rates , today we have not raised our interest rate . Types of customers we are fixed income and long-term tenor of 3-5 years , is that there is an increase only to new customers, " said Deputy Director of the Bank Ongki W, in Jakarta , Thursday, October 24, 2013 .
Although he did not mention the Bank's interest rate loans , but prime lending rate 30 September 2013 the company's position, noted for retail loans amounted to 17.10 % , 19.01 % micro-credit and non- mortgage 18.01 % .
Increase in lending rates alone is not inevitable for the banking industry, since nearly all the funding for the loans comes from the public or from third-party funds ( TPF ), the acquisition needs to lure lucrative interest rates . In addition the service offers a capable , of course .
" We most new savings deposits . No deposit is less than Rp 100 million , and over R1 billion . Our deposits over 3 months and 6 months is relatively big . Immediate increase in interest ( savings ) that for large customers , " said Ongki .
He continued , cost of funds itself slowly but surely to increase until the end of the year , especially in September where , increasingly, strengthen banking liquidity line with Bank of Indonesia regulations related GWM - LDR .
The central bank has lowered the upper limit of the ratio of credit to (Loan to Deposit Ratio)/LDR - related rules of statutory reserves , from 100 % to 92 % , which is done to strengthen liquidity in the face of slowing global economic growth and national . Thus , banks with capital adequacy ratio ( CAR ) below 14 % should be actively looking for TPF , or lower credit expansion to adjust to this rule when it does not want a penalty .
" September was a special , all - Loan to Deposit Ratio notice GWM. So there TPF search is increasing faster than the July-August , " said Ongki .
Harris Bank's Chief Financial Officer Tanjung Arief added , in the last three months or three years this quarter , the macro benchmark interest rate has gone up 150 basis points ( 1.5 % ) that inevitably affect the cost of bank funding .
"This is reflected in the third quarter , but still there are deposits that have not yet matured. Impact NIM will go down, not necessarily because interest rates can be directly adjusted. Our cost of funds of 7.3 % in September, compared to June there was an increase, " he said .
PT Tbk National Savings Bank ( BTPN ) will shift the rising cost of funds or cost of funds , in line with the increase in the benchmark interest rate (BI rate) and the competition for obtaining third-party funding ( TPF ) .
" For lending rates , today we have not raised our interest rate . Types of customers we are fixed income and long-term tenor of 3-5 years , is that there is an increase only to new customers, " said Deputy Director of the Bank Ongki W, in Jakarta , Thursday, October 24, 2013 .
Although he did not mention the Bank's interest rate loans , but prime lending rate 30 September 2013 the company's position, noted for retail loans amounted to 17.10 % , 19.01 % micro-credit and non- mortgage 18.01 % .
Increase in lending rates alone is not inevitable for the banking industry, since nearly all the funding for the loans comes from the public or from third-party funds ( TPF ), the acquisition needs to lure lucrative interest rates . In addition the service offers a capable , of course .
" We most new savings deposits . No deposit is less than Rp 100 million , and over R1 billion . Our deposits over 3 months and 6 months is relatively big . Immediate increase in interest ( savings ) that for large customers , " said Ongki .
He continued , cost of funds itself slowly but surely to increase until the end of the year , especially in September where , increasingly, strengthen banking liquidity line with Bank of Indonesia regulations related GWM - LDR .
The central bank has lowered the upper limit of the ratio of credit to (Loan to Deposit Ratio)/LDR - related rules of statutory reserves , from 100 % to 92 % , which is done to strengthen liquidity in the face of slowing global economic growth and national . Thus , banks with capital adequacy ratio ( CAR ) below 14 % should be actively looking for TPF , or lower credit expansion to adjust to this rule when it does not want a penalty .
" September was a special , all - Loan to Deposit Ratio notice GWM. So there TPF search is increasing faster than the July-August , " said Ongki .
Harris Bank's Chief Financial Officer Tanjung Arief added , in the last three months or three years this quarter , the macro benchmark interest rate has gone up 150 basis points ( 1.5 % ) that inevitably affect the cost of bank funding .
"This is reflected in the third quarter , but still there are deposits that have not yet matured. Impact NIM will go down, not necessarily because interest rates can be directly adjusted. Our cost of funds of 7.3 % in September, compared to June there was an increase, " he said .
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