JAKARTA—Kendati secara industri ras

JAKARTA—Kendati secara industri rasio kredit bermasalah (non performing loan/NPL) di segmen komersial atau menengah hampir mencapai batas maksimum yang ditetapkan, beberapa bank masih menjadikan segmen ini sebagai fokus utama dalam pemberian kredit.

Berdasarkan Statistik Perbankan Indonesia yang diterbitkan Otoritas Jasa Keuangan per September 2016, nilai kredit bermasalah di segmen ini yaitu Rp18,20 triliun, sedangkan kredit yang disalurkan senilai Rp367,08 triliun. Dengan demikian, rasio NPL segmen menengah mencapai 4,95%.

Rasio NPL segmen komersial beberapa bank besar juga paling tinggi dibandingkan dengan segmen lainnya. Bank CIMB Niaga mencatatkan rasio NPL segmen komersial paling tinggi di antara bank besar lainnya, yakni 7,4%. Disusul oleh BRI dengan rasio NPL 6,52%, kemudian Bank Mandiri sebesar 6,34%.

Walaupun demikian, Direktur PT Bank Pan Indonesia Tbk. Hendrawan Danusaputra mengatakan perseroan masih mengandalkan segmen komersial dan ritel dalam menyalurkan kredit. Tahun depan, emiten dengan kode saham PNBN juga masih akan fokus di segmen ini.

“NPL secara industri memang tinggi, NPL kami juga naik, tetapi masih terkontrol. Di segmen komersial kami banyak di sektor consumer goods yang masih baik kualitasnya,” ujarnya dalam public expose kinerja Bank Panin di Jakarta, Selasa (13/12).

Hendrawan juga mengakui beberapa sektor di segmen komersial mengalami perburukan kualitas, terutama sektor yang berhubungan dengan pertambangan, seperti sektor transportasi.

Adapun, per kuartal III/2016 porsi kredit ke segmen komersial perseroan sebanyak 43% dibandingkan total kredit atau menjadi porsi paling besar dibandingkan segmen ritel dan korporasi.

Porsi penyaluran kredit segmen ritel dan segmen korporasi tercatat masing-masing sebesar 22% dan 35% dibandingkan total kredit yang disalurkan senilai Rp131,14 triliun.

Ahmad Fajar, Direktur Utama PT Bank J Trust Tbk., mengatakan, pada tahun depan perseroan akan fokus di segmen komersial yang disusul oleh segmen usaha kecil.

“Sektor komersial atau middle akan mendorong pertumbuhan kredit lebih dulu di tahun depan, baru oleh segmen mikro dan usaha kecil. Untuk mikro harus tetap berhati-hati karena NPL rata-rata cukup tinggi,” katanya.

Per kuartal III/2016, bank milik investor asal Jepang ini mencatatkan penyaluran kredit senilai Rp10,58 triliun atau tumbuh 13,03% secara year to date dibandingkan akhir tahun yang senilai Rp9,36 triliun. Sementara itu, rasio NPL gross tercatat sebesar 5,50% dan NPL net sebesar 4,17%.

結果 (英語) 1:

JAKARTA — Though bad debt ratio industrially (non performing loan/NPL) in the segment of medium-sized commercial or almost reached the maximum limit defined, some banks are still making this segment as a major focus in granting credit.Based on Statistics Indonesia Banking Financial Services Authority published per December 2016, the value of the credit is problematic in this segment that is Rp18,20 trillion, while loans disbursed worth Rp367,08 trillion. Thus, the ratio of NPL middle segment reached 4.95%.The ratio of NPL's commercial segment of some large banks are also high compared with most other segments. Bank CIMB Niaga NPL ratio of the commercial segment recorded the highest among the other major banks, which is 7.4%. Overtaken by BRI in the NPL ratio with 6.55%, then Bank Mandiri amounting to 6,34%.Nevertheless, the Director of PT Bank Pan Indonesia Tbk. Hendrawan Danusaputra says the company still relies on commercial and retail segments in the credit channel. Next year, with the stock code PNBN issuers also will still focus on this segment."The NPL in the industry is indeed high, our NPL is also rising, but still controlled. In our commercial segment many consumer goods sector which is still good quality, "he said in a public performance Bank Panin exposé in Jakarta, Monday (14/12).Hendrawan also recognizes some of the sectors in the commercial segments experienced worsening quality, especially related to the mining sector, such as the transportation sector.Now, per quarter III/2016 portion of a credit to the company's commercial segment as much as 43% compared to total loans or becoming the greatest portion compared to retail and corporate segment.The share of the retail segment and credit distribution segment of the Corporation are recorded each of 22% and 35% over total loans disbursed worth Rp131,14 trillion.Ahmad dawn, President Director of PT Bank J Trust Tbk., say, in the next year the company will focus on the commercial segment followed by the small business segment."The commercial sector or middle credit growth will push ahead on next year, recently by micro and small business segments. For micro should remain cautious because the NPL average is high enough, "he said.Per quarter III/2016, investor-owned banks of origin Japan record the credit channeling worth Rp10,58 trillion or grew 13.03% in year to date compared to the end of the year that is worth Rp9,36 trillion. Meanwhile, the ratio of NPL gross recorded of 5.50% and NPL net of 4.17%.

結果 (英語) 2:

JAKARTA - Although industrially NPL (non-performing loans / NPL) in the medium commercial segment or nearly reached the maximum limit established, some banks are still making this segment a major focus in lending.

Based on the Indonesian Banking Statistics issued by the Financial Services Authority by September 2016, the value of non-performing loans in this segment is Rp18,20 trillion, while outstanding loans worth Rp367,08 trillion. Thus, the NPL ratio of the middle segment reached 4.95%.

The NPL ratio of commercial segment several major banks are also the highest compared to other segments. Bank CIMB Niaga recorded a NPL ratio of commercial segment the highest among other major banks, ie 7.4%. Followed by BRI with NPL ratio of 6.52%, and the Bank amounted to 6.34%.

However, Director of PT Bank Pan Indonesia Tbk. Danusaputra Lawrence said that the company still relies on commercial loans and retail lending. Next year, issuers with stock code PNBN also still going to focus on this segment.

" NPL in the industry is high, our NPL also rose, but still controlled. In the commercial segment of our many consumer goods sector is still good quality, " he said in public expose performance Panin Bank in Jakarta, Tuesday (13/12).

Lawrence also recognizes some sectors in the commercial segment experienced a worsening of quality, particularly relating to the mining sector, such as the transport sector.

Meanwhile, in the third quarter / 2016 credit to the commercial segment serving the company as much as 43% compared to total loans, or become the biggest portion than the retail and corporate segments.

Portions lending retail segment and corporate segment recorded respectively by 22% and 35% compared to total loans worth Rp131,14 trillion.

Ahmad Fajar, President Director of PT Bank J Trust Tbk., Said that next year the company will focus on the commercial segment, followed by the small business segment.

" The commercial sector or the middle will drive loan growth first in the next year, a new segment of micro and small businesses. For micro should still be - careful because NPL average - price is quite high, " he said.

Per quarter III / 2016, banks owned by Japanese investors have recorded a loan portfolio worth Rp10,58 trillion or grew 13.03% in the year to date compared to the end of the year worth Rp9,36 trillion. Meanwhile, the gross NPL ratio stood at 5.50% and net NPL of 4.17%.