beritajakarta.com - Residents’ trust toward DKI Bank
services is increasing. It is proven by the bank financial performance
improvement. Until September 2011, Bank DKI earned profit before tax as
much as Rp 304 billion or grows 28.27 percent compared to the same
period in 2010 as much as Rp 237 billion. (source)
Overall,
DKI Bank assets increase 9.89 percent from Rp 17.67 trillion in
September 2010 to Rp 19.42 trillion in September 2011. DPK increases
from Rp 15.12 trillion per September 2010 to Rp 15.31 trillion per
September 2011 or grows 1.25 percent. DPK composition of DKI Bank can be
maintained well and fine with budget of provincial government and
residents reached 47%:53%. The biggest portion is still donated by
deposit fund reached 42.90 percent from total DPK in September or costs
Rp 6.57 trillion from deposit achievement per September 2010 costs Rp
7.39 trillion. Then, followed by giro fund reached 38.80 percent from
total of DPK or costs Rp 5.94 trillion per September 2011, which
increase 8.02 percent from giro fund per September 2010 costs Rp 5.50
trillion. The saving is increasing 25.47 percent from 2.23 trillion per
September 2010 becomes Rp 2.80 trillion or 18.30 percent from total DPK.
This is results of DKI Bank management policy which undergoes DPK
balancing by improving low cost funds from giro and savings.
Credit
distribution growth also had developed Rp 2.17 trillion or 27.35
percent from Rp 7.95 trillion per September 2010 to Rp 10.12 trillion
with composition between consumptive and productive credits 57%:43%. The
higher credit growth than DPK growth increases LDR ratio from previous
one was as much as 52.58 percent in September 2010 into 66.11 percent in
September 2011. About LDR, DKI Bank is very careful in doing credit
expansion so that NPL keep maintaining well. For DPK, DKI Bank is more
concern to the quality improvement of budget structure with deposan
replacement with high interest based on counter rate. This aims to
manage LDR in acceptable amount for DKI Bank.
In
terms of efficiency, DKI Bank has reduced BOPO ratio from 83.17 percent
per September 2010 to 78.70 percent per September 2011. Return on
Equity (ROE) increased from 24.26 percent per September 2010 to 30.30
percent per September 2011. Return on Assets (ROA) increased from 2.04
percent per September 2010 into 2.39 percent per September 2011. NIM
(Net Interest Margin) increased from 5.85 percent in June to 5.74
percent in June 2011. NPL gross increased from 3.93 percent in September
2010 to 3.79 percent in September 2011. “DKI Bank financial ratios are
still in adequate rate,” stated DKI Bank General Director, Eko
Budiwiyono, Friday (10/28).
In
improving its quality services, DKI Bank will undergo strategic
cooperation by joining in Prime ATM network to develop service features
and network extension besides ATM Bersama. DKI Bank has also become
Western Union agent to complete various money distribution services
which could be used by its clients besides through BPD Net Online. For
syariah banking, DKI Bank through its UUS will launch Hajj & Umrah
Bailout Funding in the nearest time.
Currently,
DKI Bank is preparing network extension by opening 50 service offices
in several big cities in Indonesia which started with the inauguration
of Tangerang Office Branch. “Improving financial performance and service
quality DKI Bank targets in developing image as feasible investment
bank,” expressed Eko.
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