BII credit card expansion hampered

The expansion of the credit card of PT Bank International Indonesia Tbk potentially hampered due to image fading due to the death of customer banking Citibank NA Indonesia Irzen Octa happened lately.

Director of Consumer Bank International Indonesia (BII) Stephen Liestyo said the banking scandals that occurred lately has the potential to reduce the expansion of credit cards by 5% from this year’s growth target of 20%.

“Our target to grow 20%, [Case] ​​can not influence it could also be influential. If there is any effect at reduced a maximum of 5%,” he said today.

Based on the record business, financing credit card company last year reached Rp 4, 71 trillion, equivalent to 8.8% of total loans reaching Rp53, 6 trillion.

With a target growth of 20%, then the credit card financing this year is expected to reach Rp 5, 65 trillion. If it happens then Stephen worries that growth decreasing maximum Rp240 billion to Rp 5, 41 trillion.

Stephen added the company would be careful in collecting the debt to avoid a recurrence of cases of persecution that befell customers Citibank NA Indonesia. Still, he said, debt collection will still employ a third party.

The cost is cheaper, he said, became one of the reasons why debt collection work to other companies disubkontrakan. In addition, he continued, debt collection work requires special skills to enter that can not be done by bankers.

Stephen adds BII will be more cautious in providing credit card facilities to new customers to avoid bad credit. Debtor Information System which is owned by Bank Indonesia will be used to avoid customer problems.

In addition, he said, BII will avoid providing credit card facilities to certain professions which are notoriously difficult to recover when having outstanding debt.

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