The Performance of the Bank Board on The Good

JAKARTA -- The first half of this year, the banks on board in the land records brilliant performance. Following the impressive performance shown by the BNI and BRI, the two banks in one order and three of size of assets, Bank Mandiri and BCA, is also a significant increase in profit. In fact, in general, economic conditions are still not right to recover due to unremitting pressure of the end of the global crisis.

Good performance, make Mandiri and BCA plans to distribute more credit on the last six months in 2009 to maintain performance. Mandiri and BCA also began to reduce interest rate so that the request for funds from debtors potential increases.

BCA semester financial reports in 2009 that I released Thursday (30 / 7) shows the increase in net income occurred Rp3, 3 trillion, up 35.9 percent from the same period last year. Growth is supported by increased net interest income, fee-based income (FBI) or outside interest income, and low corporate taxes. Meanwhile, net interest income is the third biggest bank jumped 42 percent to Rp7, 7 trillion.

However, credit is channeled BCA decrease 5.2 percent from the position of Rp112, 847 trillion in December 2008 to be Rp106, 958 billion. Although when compared with June 2008, there hinga 11.8 percent increase from the position of Rp95, 632 trillion.

Meanwhile, Bank Mandiri record profit this year's first semester of Rp2, 92 trillion, 12 percent of the increase occurred compared to the same period last year. As in BCA, Mandiri ditopang increase profit by increased net interest income. The increase in profit''is also supported by outside interest income and cost efficiency,''clearly Presdir Bank Mandiri Agus Martowardojo in Jakarta. Fee income base largest bank in Indonesia that grew 30.3 percent from Rp2 trillion into Rp2, 6 trillion.

Meanwhile, Bank Mandiri credit at the end of June 2009 grew Rp32 trillion, or 21.4 percent to Rp181, 6 trillion. Credit growth is highest in the retail segment, especially micro-credit is able to rise 39.9 percent to Rp4, 8 trillion.