To meet the target, BNI Syariah plans to have additional 50 branch offices in the upcoming three years.
President director of BNI Syariah Rizqullah expressed his optimism to compete in sharia banking business development as it has some prominent products such as Hasanah Card.
On the other hand, the company also has prominence such as office channeling with up to 700 branches and these could push the target achievement.
Despite some various developments, the company is not urgently to increase the capitalization.
"Currently our CAR remains high or at the level of 28-29 percent or far above the average Bank Syaria CAR ratio. It is still sufficient to develop until the upcoming two years so it is not necessarily increasing the capital," he said yesterday.
However, the company remains prudent in credit channeling. Now the non performance financing (NPL) risk is at least 4 percent.
"We hope we could minimize the NPF at least at 2-3 percent by end of next year," he said.
BNI Syariah focuses on consumer retail sector financing. Some 80 percent financing of the subsidiary of the state firms has been disbursed for retail and consumer credits. Meanwhile, the other 19 percent is channeled for non retail financing such as the credit with more than IDR10 billion proposal.
Imam T. Saptono, Managing Director BNI Syariah, said the corporate asset has grown into IDR6.02 trillion per September 2010. the figure here exceeds the yearend target of IDR6 trillions.
"When doing spinoff in June 2010, we set the projection of December is not too high as the consolidation is still ongoing. But in fact, it grows higher along the way."
Asset from January-September 2010 grew by 15 percent.
"I assume the asset will grow by 30-40 percent by end of the year. From January-September it grew 15 percent." (NOM)
Source : http://www.bisnis.com/en/bisnis-today/1id214631.html - Oct 13, 2010
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