JAKARTA PT Bank Negara Indonesia Tbk. (BNI) recorded a slick performance on the intermediation side with almost double-digit growth, namely 9.1 percent year on year (yoy), at the end of the third quarter of 2022.
The moncer score was supported by private corporate loans which reached IDR 211.9 trillion or grew 20.4 percent.
Furthermore, followed by the commercial large segment, it was recorded that IDR 49.4 trillion grew 22.3 percent.
Deputy President Director of BNI Adi Sulistyowati said that in the small segment, growth, especially in People's Business Credit (KUR) was recorded at IDR 51.3 trillion, an increase of 24.3 percent.
Meanwhile, the consumer segment reached IDR 106.9 trillion, an increase of 11.3 percent, with growth, especially in payroll loan products.
"This growth is in line with management strategies to grow healthy and sustainable by targeting top tier debtors in the prospective industry segment accompanied by prudent risk management policies," he said at a press conference today, Monday, October 24.
Susi, Adi Sulistyowati's nickname, said that the company's performance development until last month was also supported by a strong level of capital and adequate liquidity.
This assumption is reflected in the capital adequacy ratio (CAR) which is at the level of 18.9 percent and the loan to deposit ratio (LDR) which is at the position of 91.2 percent.
"In addition, the liquid cover ratio (LCR) is at 193 percent and the net stable funding ratio (NSFR) is at 124 percent which shows BNI has sufficient liquidity to support business growth," he said.
In terms of asset quality, it is stated that the loan at risk (LAR) decreased significantly from 25.2 percent in September 2021 to 19.3 percent in September 2022.
He said this condition occurred due to a decrease in the number of restructuring loans due to COVID-19.
"We also continue to strive to maintain the LAR coverage or reserve ratio for LAR debtors at an adequate level of 42.7 percent," he added.
"In fact, the company sees the ability to pay obligations from LAR debtors getting better, thus encouraging improvement in interest income, as well as being an indication of better customer business recovery after being affected by the pandemic," said Susi.
For information, the financial services institution coded as BBNI shares managed to score a profit of IDR 13.7 trillion at the end of September 2022.
This number increased by 76.8 percent compared to September 2022.
The Board of Directors of BBNI stated that this positive score can strengthen the company's foundation in facing global economic challenges in the future.
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