Total Credit Bank Danamon (BDMN) in first half of this year amounted to Rp71, 74 trillion. This amount has grown 10% from Rp64, 447 trillion at the end of March 2010.
"As we succeeded in accelerating economic growth rate of credit growth in the quarter-ago quarter. Our loans grew 15 percent annually contributed by all segments of the loans in the portfolio," explained Director of Danamon, Henry Ho, in a press conference in Jakarta, Friday ( 20 / 8).
Henry said, look in the mirror of experience, the Company will serve mass-market segment, especially micro banking services and consumer finance.
Meanwhile, Meanwhile, Chief Financial Officer and Director of Danamon Vera Eve Liem, said the cost of credit (cost of credit) Danamon reached Rp562 billion, down 3% from the previous quarter. Thus, the Return on Average Assets (ROAA) reached 3% in the second quarter of this year, while Return on Average Equity (ROAE) reached 19.3% of the capitalization rate Danamon.
Ratio of Non Performing Loans (NPLs Gross) of the Company decreased to be 3.4% as of June 30 from 4% from the previous quarter. While the LDR was recorded at the rate of 98.8% and loans to total funding ratio reached 89.6%.
Mass-market loans which include micro-financing through SEMM (DSP) and motor vehicle financing through its subsidiary Adira Finance has also continued to grow. Credit in these mass-market segment to the combined grew by 34% during the first half of this year. DSP booked a credit growth of 20% from the previous quarter to Rp13, 745 billion. While financing Adira reached Rp24.184 billion, up 43% from the same period last year.
Meanwhile, for loans from other segments, such as SMEs and commercial accounted for 25% of total loans. Retail and wholesale loans that make up each of 7% and 12%.
"As we succeeded in accelerating economic growth rate of credit growth in the quarter-ago quarter. Our loans grew 15 percent annually contributed by all segments of the loans in the portfolio," explained Director of Danamon, Henry Ho, in a press conference in Jakarta, Friday ( 20 / 8).
Henry said, look in the mirror of experience, the Company will serve mass-market segment, especially micro banking services and consumer finance.
Meanwhile, Meanwhile, Chief Financial Officer and Director of Danamon Vera Eve Liem, said the cost of credit (cost of credit) Danamon reached Rp562 billion, down 3% from the previous quarter. Thus, the Return on Average Assets (ROAA) reached 3% in the second quarter of this year, while Return on Average Equity (ROAE) reached 19.3% of the capitalization rate Danamon.
Ratio of Non Performing Loans (NPLs Gross) of the Company decreased to be 3.4% as of June 30 from 4% from the previous quarter. While the LDR was recorded at the rate of 98.8% and loans to total funding ratio reached 89.6%.
Mass-market loans which include micro-financing through SEMM (DSP) and motor vehicle financing through its subsidiary Adira Finance has also continued to grow. Credit in these mass-market segment to the combined grew by 34% during the first half of this year. DSP booked a credit growth of 20% from the previous quarter to Rp13, 745 billion. While financing Adira reached Rp24.184 billion, up 43% from the same period last year.
Meanwhile, for loans from other segments, such as SMEs and commercial accounted for 25% of total loans. Retail and wholesale loans that make up each of 7% and 12%.
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