Banks Tighten Credit Consumption
Domestic banks currently conduct more rigorous selection and control in consumer lending, particularly mortgage loans (mortgages) and motor vehicles.
"Distribution remains the road, but more selective and highly controlled. Due to different individual bank customers, of course, selection and control mechanisms are also different," said Director Consumer Bank BNI Suzandi Darwin, in Jakarta.
He said that domestic banks themselves began to be more selective in consumer lending, since the financial crisis started sticking in the United States. In addition to be more careful in managing liquidity, banks are also wary of rising non-performing loans (NPL).
Furthermore Darwin said that BNI is currently trying to maintain credit growth in the last quarter of this year, the same as the third quarter. While projections in 2009, will depend on the performance of the Bank in the last quarter of 2008.
"It looks like 2009 will not be as aggressive as 2008," said Darwin careful adding that BNI will tend to be more conservative in certain sectors, particularly consumer credit.
On the same occasion, Deputy Director of BNI Felia Salim said the bank has made to further emphasize the deepening of prudence.
Sources: Ant
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