BNI Aims KPR Distribution Rp40 Trillion in the End 2017

By : Hariyanto And Aldi Firhand. A | Thursday, August 31 2017 - 17:36 IWST

Director of PT BNI Tbk Rico Rizal Budidarmo (center), Director Anggoro Eko Cahyo (from left), Director Adi Sulisyowati, Director Panji Irawan, and Director Putrama Wahju Setiawan (Foto Rizki Meirino)
Director of PT BNI Tbk Rico Rizal Budidarmo (center), Director Anggoro Eko Cahyo (from left), Director Adi Sulisyowati, Director Panji Irawan, and Director Putrama Wahju Setiawan (Foto Rizki Meirino)

INDUSTRY.co.id - Jakarta (ANTARA News) - PT Bank Negara Indonesia Persero Tbk (BNI) targets housing loan portfolio to reach Rp40 trillion by the end of 2017, a 9.7 percent increase (yoy) compared to Rp36.4 trillion in the 2018 BPR housing loan.

"We can grow double digits (percentage) as we only grew 4.5 percent (KPR) in the first semester," said Director of Consumer Business of BNI Anggoro Eko Cahyo in Jakarta, Wednesday (30/8/2017)

The mortgage targets this year, said Anggoro, include the distribution of subsidized KPR, including the financing scheme of interest subsidy (SSB). However, the subsidized KPR portion, including the SSB scheme, is still a small relative in the BNI KPR portfolio.

For subsidies, in the Housing Loan Housing Liquidity Lending (FLPP) segment, BNI set a target of at least able to channel RP170 billion more. For other subsidized mortgages through SSB, BNI aims to finance 15 thousand housing units with an average house price of Rp123 million.

"Indeed, if subsidies, we have not much, because of the many focus of BTN Persero Tbk subsidy, but we also want to participate to finance cheap house," he said.

Currently, Anggoro said, the number of customers KPR BNI of 160 thousand, with the majority is the commercial segment with an average price per house Rp400 million.

Meanwhile, to reduce the risk of non-performing loans (NPL), BNI will also adjust the portion of KPR "non-fixed income" or mortgages for non-permanent income communities.

"Our analysis of 'non-fixed income' NPL is higher, compared to 'fixed income' (income fixed) hence we reduce credit portfolio," said Anggoro.

Until the end of the first semester of 2017, the total NPL of BNI is gross at 2.8 percent.

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