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Berita Hari Ini Banking

  • Islamic Finance in Indonesia: Sharia Banking is Large Untapped Potential

    Having the world’s largest Muslim population and experiencing sustained economic growth at a pace of +5 percent implies that Indonesia harbours great potential for Islamic finance (sharia banking). However, Indonesia is yet to tap the full potential of the Islamic financial services market. As an illustration, with a figure of USD $24 billion, Indonesia’s Islamic banks only held 4.9 percent of the country’s total banking assets in 2013. This is small compared to Malaysia (where Islamic banking holds a 20 percent market share).

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  • Indonesian Banking Sector: J Trust to Buy Bank Mutiara (Bank Century)

    J Trust, a Japan-based company engaged in the finance, real estate, IT system, as well as amusement sectors, is reportedly buying Indonesia’s Bank Mutiara (formerly known as Bank Century). Bank Century made headlines due to a controversial government bail-out in 2008 amid the economic crisis when the bank was said to be on the brink of collapse (the impact of which would spread to other local banks). Bank Century then obtained a capital injection of IDR 6.7 trillion (USD $573 million) from the country's Deposit Insurance Agency (LPS).

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  • Indonesian Banks’ Non-Performing Loans Rising Sharply in Four Sectors

    Although Deputy Governor of the central bank of Indonesia (Bank Indonesia), Halim Alamsyah, said that the non-performing loan (NPL) level in Indonesia’s banking sector is currently safe at 2.24 percent (well below the five percent threshold which is considered safe), the institution has been monitoring the high level of NPLs in four sectors: construction, trade, mining and social services. The bank will study why the ratio has been growing - whether it is a temporary phenomenon or not - and search the correct policy approach to address this issue.

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  • Foreign Banks in Indonesia Post Large Profit on Rupiah Depreciation

    According to data from the Financial Services Authority (OJK), foreign banks operating in Indonesia have posted great profit growth in the January to May 2014 period. Combined, these foreign banks have recorded a 94.36 percentage point growth (year-on-year) in profit to IDR 3.79 trillion (USD $323.9 million) in the first five months of this year. The reason behind this jump in profit is the sharply depreciated rupiah exchange rate. Over the course of 2013, the rupiah fell over 25 percent against the US dollar.

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  • What is on the Political Agenda of Joko Widodo and Prabowo Subianto?

    With the presidential election of Indonesia (scheduled for 9 July) becoming a battle between Governor of Jakarta Joko Widodo, popularly known as Jokowi, and former army general and Suharto crony Prabowo Subianto, it is worth taking a closer look into the ideas and policies that both candidates would like to implement if elected as the next Indonesian president, as well as their stance on specific economic issues. The viewpoints that are mentioned below are based on the documents that both parties provided to the General Election Commission.

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  • Growth of Residential Property Prices in Indonesia Still Slowing in Q1-2014

    The Residential Property Price Survey still indicates slowing growth of Indonesian residential property prices (in the primary market) in the first quarter of 2014. The Residential Property Price Index grew 1.45 percent (quarter to quarter) in the first quarter of 2014 or 7.92 percent year-on-year, lower than the growth that was recorded in the previous quarter of 1.77 percent (qtq) or 11.51 percent (yoy). The slowdown occurred in all types of homes, but in particular the medium and large homes segment.

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  • Indonesia Investments' Newsletter of 20 April 2014 Released

    On 20 April 2014, Indonesia Investments released the latest edition of its newsletter. This free newsletter, which is sent to our subscribers once per week, contains the most important news stories from Indonesia that have been reported on our website in the last seven days. Most of the topics involve economic topics such as comments on the future policy of Bank Indonesia, the investment climate in Batam, an updated profile of Telekomunikasi Indonesia, IPOs in 2014, an analysis of the unprocessed minerals export ban, and more.

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  • OJK: Credit Growth in Indonesia's Banking Sector at a Safe Level

    Credit growth in Indonesia's banking sector in 2014 is estimated to range between 17 and 18 percent. This estimation is higher than the central bank's target of 15 to 17 percent but lower than credit growth in 2013. According to Indonesia's Financial Services Authority (Otoritas Jasa Keuangan, OJK), this pace of growth is at a safe level. Third party funds are projected to grow 16 to 16.5 percent, while the OJK did not provide an estimation of the loan to deposit ratio (LDR) yet although it did say that the LDR was at a safe level too.

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  • Bank Panin Syariah First New Listed Company on Indonesia Stock Exchange

    On Wednesday (15/01), the first new listing of 2014 on the Indonesia Stock Exchange was conducted. Bank Panin Syariah, provider of Islamic banking services and subsidiary of Bank Panin, became a listed company (with listed company code PNBS). Through the initial public offering (IPO), the financial institution is looking for additional capital to meet the central bank's requirement to become a BUKU 2 type of bank (see explanation below). The company aims to reap IDR 475 billion (USD $39.6 million) through the release of 4.75 billion shares.

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  • Credit Growth in Indonesia Expected to Have Slowed to 15-17% in 2013

    The central bank of Indonesia (Bank Indonesia) expects that credit growth in Southeast Asia’s largest economy will not exceed 20 percent (year on year) by the end of December 2013. Deputy Governor of Bank Indonesia, Halim Alamsyah, stated that credit growth is likely to slow to between 15 and 17 percent (yoy) in 2013 (based on a fixed rupiah exchange rate). Credit growth especially slowed in Indonesia’s consumption and construction sectors; a trend which is expected to continue in 2014.

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Artikel Terbaru Banking

  • Life of an Expat in Indonesia: Some Experiences with Indonesian Banks

    If you move to Indonesia for a longer period – either for work or just for living – you will most likely want (or need) to open a bank account at a local bank (or a foreign bank that has a branch in Indonesia). After all, if you continue to use a foreign bank account, then it will involve relatively high bank charges each time you withdraw money from the automated teller machine (ATM) in Indonesia, or when you conduct an international transaction (online banking).

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  • Widodo Wants Indonesia's Banking Sector to Boost Credit Growth

    At a special occasion at the Presidential Palace in Jakarta, Indonesian President Joko Widodo urged local banks to become more aggressive in terms of lending as credit disbursement in Indonesia's banking sector only reached IDR 4,782 trillion (approx. USD $349 billion) in 2017, hence growing by only a modest 8.3 percent year-on-year (y/y), thus unable to provide an optimal boost to domestic economic growth.

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  • Dutch Queen Maxima Visits Indonesia to Monitor Financial Inclusion Program

    The Queen of the Netherlands, Maxima, visited Indonesia between 11-13 February 2018 to monitor the progress of Indonesia's Financial Inclusion Program, a program that was launched in August 2016 during Maxima's last visit to Indonesia. Hence, during her latest visit, the Dutch Queen came in her role as the United Nations Secretary-General's Special Advocate for Inclusive Finance for Development.

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  • Telkom Satellite Error Causes Problems at Indonesian ATMs

    Since Friday (25/08) many Indonesians are having trouble to use ATMs (for withdrawing money and conducting various payments). Last week the Telkom-1 satellite started to suffer technical difficulties as a shift on the satellite's pointing antenna disrupted transponders. Considering most of Indonesia's major banks use this satellite, owned by Telekomunikasi Indonesia, for their telecommunication network, thousands of ATMs - hence millions of Indonesians - are affected.

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  • Listed Companies Indonesia: Bank Mandiri to Conduct Stock Split

    Bank Mandiri, one of Indonesia's leading financial institutions, plans to conduct a stock split in order to enhance investor interest by making its stocks more affordable and liquid for retail investors. However, the state-controlled lender is still studying whether to opt for a 2-for-1 stock split or a 3-for-1 split. Bank Mandiri is one of Indonesia's blue chip stocks that ranks among the biggest 10 companies in terms of market capitalization on the Indonesia Stock Exchange.

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  • Mining in Indonesia: Concern about High Non-Performing Loan Ratio

    The non-performing loan (NPL) ratio in Indonesia's mining and excavation sector has risen drastically over the past year. Moreover, there seems few room for an improvement of the NPL ratio in this sector on the short term because mining and excavation companies are expected to remain amid tough conditions in the remainder of the year. The NPL ratio is a key indicator for measuring bad loans.

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  • Moody's & IMF Positive about Indonesia's Banking Sector

    Both Moody's Investors Service and the International Monetary Fund (IMF) released positive reports on Indonesia's banking sector. While Moody's changed its outlook on Indonesia's banking sector from stable to positive, the IMF said Indonesia's banking system is strong enough to cope with relatively slow economic growth and a rise in bad loans.

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