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.