BUSINESS INFORMATION - Bank Central Asia has not revise loan growth target is set to end the year 15 percent, although up to the fourth quarter of this year growth reached only 6.8 percent.
"We expect the credit in the fourth quarter will grow back, 15 per cent target until the end of the year has not changed," said BCA President Director Djohan Emir Setijoso, in a press conference in Jakarta on Friday.
Bank BCA 2009 in the third quarter credit record Rp112, 7 billion or only grew by 6.8 percent compared to same period of 2008.
Djohan Emir Setijono also mentioned that the increase in credit was driven by the consumer credit sector, which rose 28.6 percent to Rp25, 4 trillion, the commercial credit sectors and SMEs to grow 7.4 percent to Rp19, 8 trillion.
But to the credit of the corporation actually fell 3.7 percent to Rp44, 4 trillion.
According Setijoso, this year credit growth slowed somewhat due to the global crisis conditions and the influence of many companies that issued debt.
"In this year many companies entering the capital markets to issue bonds to strengthen its capital and the crisis conditions that affect the slow credit, corporate and even dropped," he said.
But the fourth quarter Setijoso convinced that the economic crisis had eased and that the company's production capacity is the maximum will create demand for credit in the banks will again grow.
"I see a lot of production capacity is maximal, the issuance of bonds already saturated, so the demand for credit will grow back," he hoped.
While Vice President Director of Bank BCA Jahja Setiaatmadja, in saying the same chance to slow credit growth, the Third Party Fund (DPK) grew 21.5 percent to Rp234, 3 trillion.
"We still have people's confidence in the saving of funds, so that deposits continue to grow, while credit is still slow. To offset that, the company put some money into bonds," he said.
Jahja call BCA Bank debt securities currently owned by around Rp41 trillion, and most of the state bonds (SUN) valued at Rp25 trillion.
SUN addition, he continued, Bank BCA also put in the form of the NES, corporate bonds and other debt securities.
"This we get from offering or from the secondary market," he said.
BCA bank deposits as of September 2009 which reached Rp234, 4 trillion with most major composition is the rate is 51.4 percent, 22.1 percent of demand deposits and time deposits 26.5 percent.
Rise 27.3 Percent
Setijoso said economic conditions are still faced several challenges, the Bank BCA was able to record a third quarter net profit in 2009 Rp5, 1 trillion or an increase of 27.3 percent compared to same period of 2008.
Profit increase was driven by higher net interest income by 31.5 percent to Rp11, 2 trillion as supported by a favorable balance sheet composition.
"Fee income base" rose 20 percent to Rp3, 1 trillion, mainly driven by account services, credit cards and foreign exchange transactions services.
With rising income, the profit before tax reached Rp6 third quarter, growing 5 trillion, or 14.9 percent from the same period in 2008.
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