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Currently, the average corporate loan rates around 10-12 persen.PT Bank Central Asia Tbk (BCA) to fix interest rates on corporate loans below 11 percent in 2010. Currently, the average mortgage interest rates around 10-12 percent of the company.

"BCA has always followed the benchmark BI rate," said Vice President Director of BCA Jahja Setiaatmadja Investor Summit 2009 event at the Ritz-Carlton, Pacific Place, Jakarta, Wednesday, December 2, 2009.

He said, interest rate mortgages (mortgage) currently
of 9.9 percent. While mortgage interest rates of micro, small and medium enterprises (MSMEs) in the range of 11-12 percent.

Jahja admitted liability in mortgage interest rates continued to fall since February 2009. Until November 2009, the decline in mortgage interest has reached 300 basis points.

BCA difficult to reduce the net interest margin (net interest margin / NIM) because they have to consider the operational costs (overhead costs).

The company has not lowered position NIM, despite a decrease NIM BI urged by the banks. "NIM we actually climbed 0.3 percent from the previous 6.6 per cent for September 2009 is 6.3 percent," he said.

He explained, BCA has a standardized calculation of overhead costs
cost taking into account the funding base checking, savings, and

Overhead cost checking and savings must be greater than overhead cost deposits.

"In addition, we consider inflation to calculate the cost
operational, "he said.

BCA will add at least 50 new branches during 2010 and 700-1000 of automatic teller machines (ATMs).

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2 Responses so far.

  1. mantep pengetahuannya sob, nice posting sob!!!!

  2. emang BCA paling mantap gampang pisan tah narik artos ti david ciang teh mang

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