JAKARTA - PT Bank Permata Tbk (BNLI) maintains its gross non-performing loan (NPL) ratio by 3.6% in the first semester of 2019. The gross NPL is aimed to be stable or at lower by the end of this year.

In the first semester of 2019, BNLI has disbursed Rp 107 trillion of credit, which is higher than credit disbursement realisation at Rp 106.6 trillion in December 31, 2019. The gross NPL is 3.6% lower than 4.3% in the same period in 2018.

Lea Setianti, Director of Finance of PT Bank Permata Tbk (BNLI) stated that they estimated the gross NPL to be lower by the end of 2019. "For lending growth, we also know that based on the banking industry, which has been submitted to the FSA (Financial Services Authority), the bank's business plan in general shows that the target of credit growth in this industry is going down; when it was expected to be between 10% -12%, it is now more to reach 10%; to a high single digit," she said.

The credit composition is wholesale banking (42%), Small Medium Enterprise (SMEs) (27%), Mortgage(KPR) (16%), joint financing (12%), unsecured loan(KTA) (2%), credit card (2%), and others (1%). (LK/W)