Wah infonya yg bener 0,84% apa 15% nih ?? jadi binun
ruzli wrote:
> MacQ Bank Rakyat Indonesia
> Bank Rakyat Indo: another update from Ferry
>
> Ferry Wong (analyst) met with the investor relations team at BRI.
> Nothing much to add from the conference call we hosted last week. Key
> take-aways:
>
> NPL inched up to above 3% in Feb ’09, vs. 2.9% per Sept-08, vs. Macq
> forecast of 3.7% NPL for FY09.
> No lending to Lapindo victims. The reason that PT Minarak Lapindo
> changed its appointed bank from Mandiri to BRI was mainly because of
> BRI’s stronger branch numbers, and the majority has an account with
> BRI.
> KUR loan going well. NPL remained low (overall NPL for KUR at 0.84% as
> of Dec-2008, vs. bank industry NPL at 3.8%.
> Some of the KUR’s customers (about Rp300-400b) have become BRI’s micro
> segment customers following their repayment of KUR’s loan (9-15 mo
> program per customer).
> BRI will expand about 600 micro retail outlets this year (to be called
> Teras BRI) to focus more on the wet market/traditional market.
>
> Ferry re-iterates Outperform rating on BRI as he thinks the bank will
> benefit from lower interest rate, government projects, and the
> government’s micro and SME loans program. The stock is on 2009 P/BV of
> 2.1x, ROE of 29%, and 6.5% div yield.
>
> 2009/3/12 ruzli <indeksbei3...@gmail.com>:
>
>> Hingga November 2008, enam bank yang mengucurkan KUR adalah BRI, BNI,
>> Mandiri, BTN, Bukopin dan BSM, dengan total kredit mencapai Rp12,03
>> triliun bagi 1,56 juta nasabah. Kredit itu dijamin oleh pemerintah
>> melalui Perum Sarana Pengembangan Usaha (PSPU) dan Askrindo.
>>
>> Di antara enam bank pemberi KUR, BRI merupakan penyalur kredit usaha
>> rakyat tertinggi dengan jumlah Rp8,6 triliun atau 71,5% dari total
>> KUR. Pengucuran KUR BRI itu terdiri atas Rp5,75 triliun ke sektor
>> mikro dan Rp2,85 triliun ke sektor ritel, dengan rasio kredit
>> bermasalah (NPL) sebesar 0,91%.
>>
>> Sedangkan BNI menyalurkan KUR Rp1,16 triliun, Bank Mandiri Rp1,13
>> triliun, Bank Bukopin Rp628 miliar, BSM Rp332 miliar, dan BTN Rp176
>> miliar.
>>
>>
>> Pada 12 Maret 2009 06:34, Gambler.BEJ <gambler....@gmail.com> menulis:
>>
>>> Wah berarti BBRI akan jelek ya performanya karena BBRI kan yg paling
>>> banyak KURnya, kemaren naik tinggi apa BD sedang dalam proses cuci2
>>> gudang mumpung sentimennya lagi bagus.
>>>
>>> agung aja wrote:
>>>
>>>> Bukan nya saat ini perbankan sedang giat ekspansi kredit ke masyarakat pak
>>>> sepengetahuan saya, kenaikan NPL itu cenderung meningkat akibat adanya
>>>> program KUR ( Kredit Usaha Rakyat )
>>>> konon katanya NPL untuk KUR sendiri hampir 15% bahkan lebih
>>>> karena banyak masyarakat yang tidak mau mengembalikan/mencicil utang
>>>> mereka
>>>> ini memang budaya yang aneh dan ajaib tetapi nyata, udah keenakan
>>>> pinjem duit giliran ditagih tinggal nembak ( Tar..Sok....Tar...Sok...
>>>> alias ntar dan besok ) malah galakan yang pinjem duit
>>>> hehehe
>>>>
>>>>
>>>>
>>>> regards
>>>>
>>>>
>>>>
>>>>
>>>>
>
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