{"id":14843,"date":"2024-10-03T15:08:02","date_gmt":"2024-10-03T08:08:02","guid":{"rendered":"https:\/\/businessupdate.id\/?p=14843"},"modified":"2024-10-03T15:08:06","modified_gmt":"2024-10-03T08:08:06","slug":"bank-cimb-niaga-targetkan-kredit-ritel-tumbuh-8-persen-pada-2024","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=14843","title":{"rendered":"Bank CIMB Niaga Targetkan Kredit Ritel Tumbuh 8 Persen pada 2024"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Di tengah biaya dana (<em>cost of fund<\/em>) yang masih tinggi, PT Bank CIMB Niaga Tbk. (BNGA) menargetkan kredit segmen ritel dapat tumbuh hingga 8% secara tahunan (yoy) pada akhir 2024.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Consumer Banking CIMB Niaga Noviady Wahyudi mengatakan, pertumbuhan kredit segmen ritel BNGA pada Agustus 2024 masih berada pada kisaran 6% secara tahunan (yoy).&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cMungkin kita <em>year-end<\/em> juga [tumbuh] sampai 7%-8%. Tentunya ini ada keterkaitan juga dengan biaya dana. Jadi, <em>cost of fund<\/em>-nya itu kan memang belum turun,\u201d kata Noviardy atau Dede, di Graha CIMB Niaga, Jakarta Pusat pada Rabu (2\/10\/2024).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurutnya, kondisi tersebut mendorong bank untuk mengoptimalkan kinerja kredit dengan lebih berfokus kepada kualitas aset. Tujuannya, agar rasio kredit bermasalah atau <em>non-performing loan<\/em> (NPL) dapat ditekan di bawah angka industri perbankan.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mengenai proyeksi penyaluran kredit CIMB Niaga pada tahun depan, Dede menyuarakan optimismenya. Penurunan suku bunga acuan Bank Indonesia (BI) atau BI Rate hingga transisi pemerintahan baru disebutnya sebagai momentum positif untuk mendongkrak kinerja.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kendati demikian, dirinya juga tak mengesampingkan pengaruh aspek global terhadap perekonomian dalam negeri, sehingga berharap agar kondisi makroekonomi dan geopolitik dapat lebih stabil.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cSehingga harapannya mungkin kita bisa <em>ride on the growth<\/em>. Menurut saya, kita pasti akan aim [pertumbuhan kredit] dobel digit,\u201d tandas Dede.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai informasi, pada semester I\/2024, CIMB Niaga telah menyalurkan total kredit sebesar Rp217,08 triliun, naik 5,9% yoy dari level Rp205,07 triliun. Jumlah tersebut mencakup pembiayaan syariah sebesar Rp58,08 triliun. Segmen ritel mendominasi komposisi penyaluran kredit CIMB Niaga dengan persentase 45,5%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Segmen ini mencakup beragam jenis kredit konsumer seperti kredit pemilikan rumah (KPR) hingga kredit kendaraan bermotor (KKB), sekaligus kredit bagi segmen usaha kecil menengah (UKM).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Laju pertumbuhan kredit segmen ritel juga mencapai 6,9% yoy pada Juni 2024. Adapun, rasio NPL <em>gross<\/em> berada pada level 2,15%, sementara NPL <em>nett<\/em> sebesar 0,79%. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Di tengah biaya dana (cost of fund) yang masih tinggi, PT Bank CIMB Niaga Tbk. (BNGA) menargetkan kredit segmen ritel dapat tumbuh hingga 8% secara tahunan (yoy) pada akhir 2024.&nbsp; Direktur Consumer Banking CIMB Niaga Noviady Wahyudi mengatakan, pertumbuhan kredit segmen ritel BNGA pada Agustus 2024 masih berada pada kisaran 6% secara tahunan [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3411,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[426,3084,5981,765,448,1297],"class_list":["post-14843","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-economic","tag-bank","tag-cimb","tag-konsumer","tag-kredit","tag-niaga","tag-ritel"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank CIMB Niaga Targetkan Kredit Ritel Tumbuh 8 Persen pada 2024 - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=14843\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank CIMB Niaga Targetkan Kredit Ritel Tumbuh 8 Persen pada 2024 - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Di tengah biaya dana (cost of fund) yang masih tinggi, PT Bank CIMB Niaga Tbk. 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