Banking Loan Restructuring
Banking Loan Restructuring. The banking loan restructuring program held by the government is like a stamina test for national banks. Meanwhile, the success of the loan restructuring and loan relaxation of trillions of rupiah worth of consumer loans depends on the resilience of the bank’s capital to support the program. For the record, banks are now unable to evade the productive loan restructuring proposals for the micro and MSME segments.
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The loan restructuring of the productive segment has not yet been fully held, the government has scheduled a relaxation stimulus for mortgage loan (KPR) and vehicle loan (KKB). At the same time, a number of State Owned Enterprise (SOE) are also lining up to negotiate their debt payments. In other words, in certain periods the bank did not get the maximum payment, while on the lending side was sluggish.
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So interest income is difficult to become the foundation. Even though banks still have to pay interest on third party funds (DPK). Indeed, on paper, deferment of principal installments and fixed interest rates is recognized as income. However, interest income will definitely decline due to slowing loan growth, said Hery Gunardi, Deputy Director of Bank Mandiri Tbk (BMRI IJ).
Although he is optimistic about mitigating risk, Hery Gunardi admits that bank capital and liquidity will be eroded. Until the end of the year, Bank Mandiri capital adequacy ratio (CAR) is estimated to reach 16.9%-17.5%, down from the end of the 2019 CAR at 21.39%. President Director of Bank Central Asia Tbk (BBCA IJ) Jahja Setiaatmadja rate, the current situation is difficult to predict.
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Every week there are changes. Now the situation is under control, and it is important for us to maintain liquidity and reduce costs, Jahja Setiaatmadja said. Director of Commercial Business of Bank BRI Syariah Tbk (BRIS IJ) Kokok Alun Akbar sees, banks are able to survive in the short to medium term. But the story is different if the pandemic drags on.
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In the Bank BRI Syariah stress test, the weight scale category is if coronavirus COVID-19 is completed in December. If that happens, we cut the financing growth target from 17% to 10%, said Kokok Alun Akbar. Meanwhile, the maximum impact experienced by the four largest banks. They increase reserves, so the loan bearing risks are higher. Bank performance was depressed due to rising Non Performing Loan (NPL) and loan restructuring.
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While a banker from one of the large banks said, based on experience in 2008, problem loans reached 25%, large banks could return to normal. The danger is that small bank customers panic and move deposits to large banks. In a matter of seconds it could collapse, he explained. On the other hand, banks themselves do not get any facilities from the government.
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Bank Pembangunan Daerah Jawa Timur Tbk (BJTM IJ) Finance Director, Ferdian Timur Satyagraha, sees that government relief is focused on customers or debtors. Bankers hope, relief for those who are more real. Such as eliminating or reducing the contribution of the Financial Services Authority or Indonesia Deposit Insurance Corporation (LPS).
