Wednesday, January 27, 2016

liquidity Risk, Major Banks Began The Anticipation

liquidity Risk, Major Banks Began The Anticipation, Major banks started installing ground water strategy in anticipation of tightening liquidity is predicted to become a major challenge this year.

President Director of PT Bank Mandiri (Persero) Tbk. Budi Gunadi Sadikin said, at the end of last year, the company has experienced a tightening of liquidity due to the funds withdrawn by customer deposits to pay a tax. He admitted the cost of funds or the cost of the fund incurred it experienced an increase at the end of last year.

"Now, looking ahead, we anticipate a tightening of liquidity with multiply transactional banking, so turnaround customer funds exist in the us," he said to the business, Wednesday (27/1/2016).

Although it had experienced tight liquidity, Budi said, the current ratio of loans against deposits (loan to deposit ratio/LDR) issuers with this graded BMRI ticker is still secure, i.e. are in the range of 87%.

The company's financial performance report shows per quarter III/2015, LDR Bank Mandiri were on the level of 84.27% or down thin of 7 basis points compared to the same period of the previous year, namely the ethnic%.

President Director of PT Bank Tabungan Negara (Persero) Tbk. By Mahesh M says, it has to anticipate the risk of tightening liquidity of post-war publishing state securities (SBN) by the Government.

"We have been anticipating with finding funding for the medium and long term which at any time can be disbursed," he said.

As is known, this year requiring BBTN funding outside of funding community around Rp10 trillion. The company would seek funding through bonds or bonds, negoitable certificate deposit (NCD), asset-backed securities letter of participation (EBA-SP), or bilateral loans.

Deputy Commissioner of Banking Supervision III OJK Irwan Lubis said, per the November 2015 the ratio of loans against deposits (loan to deposit ratio/LDR) national banking reach 90,48%.

"The growth funds that big challenge because with LDR reaches 90%, it is not easy for the bank to achieve growth without credit supported the growth of the funds is good," he said.



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