BANDUNG -- West Java Governor, Ridwan Kamil said that he would keep supporting the efforts of West Java and Banten Development Banks or the BJB Bank to transform and innovate by West Java society's side, especially Mikro Small Medium Enterpise (MSME).
According to Emil - familiar greeting of Ridwan Kamil, the easiness of banking service access can eradicate the practice of moneylenders who increasingly exist in the lower middle class or economically weaker section.
"Bjb should have a broader target market and get in touch with the the lowest strata of society," Emil said in the 'Closing Business Review bjb Semester I 2019' in Aryaduta Hotel Ballroom, Bandung, Wednesday (7/8/19).
"By optimizing the distribution of micro credit (Mesra), which is our superior program, can release West Java citizens against moneylender snares. I think bjb has an extraordinary capacity," he added.
Emil also advised that the bjb keeps improving its performance by the technology support and innovation in order to respond to opportunities in the society, one of them is an infrastructure development plan with a total of nearly Rp600 trillion.
"In the future, bjb will be actively involved, prioritizing projects in West Java," Emil said.
"Besides those things, another thing to note is that IT is also a necessity in this 4.0 era. If the infrastructure, micro and IT are fixe, I have extraordinary confidence that this bank (bjb) will run in a short time in the near time, "he concluded.
According to the Director of Bank bjb, Yuddy Renaldi, to reach quality and sustainable business growth, his party will implement three main focuses.
"The first focus is business repositioning, the second (is) reorganization, and the third focus is re-engineering information technology. We are very optimistic that we can face the banking industry challenges nowadays by doing these three main focuses with the support of qualified human resources and office networks which are spread throughout Indonesia, "said Yuddy.
He added, according to the business plan and work program, BJB also committ to supporting economic development in the region and national bybudgeting on productive sector with a focus on MSMEand infrastructure.
"As one of the acceleration programs, we will collaborate with other Regional Owned Enterprises (BUMD) in West Java and Banten, so the development and government programs can be realized immediately," Yuddy ended.
In performance aspect, the achievement of bjb bank in fisrt semester 2019 gave satisfactory result. The bank's total assets grew 6.4 percent year on year (yoy) to Rp120.7 trillion.
The growth of this asset is supported by the accumulation of third-party funds (DPK) in the amount of Rp95.1 trillion or growing around 7 percent from last year. For total loans disbursed reached Rp78.2 trillion or grew by 8.2 percent yoy. Meanwhile, net profit after tax was Rp803 billion.
The quality of bank bjb credit has also been successfully maintained, where the Non Performing Loan (NPL) ratio could remained stable at 1.7 percent or better than the NPL ratio of the banking industry per May 2019 of 2.61 percent.
The bank's Net Interest Margin (NIM) ratio is also at 5.7 percent or above the banking industry's average NIM ratio of 4.9 percent.