JAKARTA: PT Bank Negara Indonesia Syariah expects a moderate growth next year from expanding retail and consumer segments, as the uncertain global condition from European and US crisis is still haunting the businesses.
“We expect a 25% growth in 2012, both in loans and deposits. The target is not as high as this year’s because we want to focus on retail and consumer segments,” said BNI Syariah Director Bambang Widjanarko on Monday. (source)
“We expect a 25% growth in 2012, both in loans and deposits. The target is not as high as this year’s because we want to focus on retail and consumer segments,” said BNI Syariah Director Bambang Widjanarko on Monday. (source)
In the meantime, the average growth of sharia banks in Indonesia is 40% a year.
The bank, which is a subsidiary of state-controlled Bank Negara Indonesia, will also boost mortgage loans and credit cards next year. Moreover, the bank will enter the micro sector through the pilot project in Bogor, West Java.
“We will stay alert on the crisis in Europe Union and United States since it can influence exports and rupiah exchange rate, which will finally affect credit expansion,” he said.
In the meantime, BNI Syariah will still rely on low cost funds, including demand deposits and savings, which account for more than 50% of its total portfolio.
“For expansion in retail and consumer segments, our strategy is intensifying publication and enlarging branch network,” he revealed.
The bank plans to open 60 new branch offices next year, most of which are located in Java Island.
“About 60% of them are located in Java Island, while the rest are spread out in Sumatra, Sulawesi, Borneo, and Eastern Indonesia.”
BNI Syariah had 83 offices as of October. The offices included 38 branches, 43 supporting branches and two cash offices. In addition, the bank had 750 syaria channeling outlets in its parent company’s branches all across Indonesia.
The bank also targets to have triple income growth from credit cards, Hasanah Card, and other loans. BNI Syariah expects the number of cards will increase to 150,000 from currently 50,000.
“We are also optimistic that financing will increase three times, since the credit card business still has a large opportunity,” he said. (20) (T04/msw)
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