Jakarta, CNBC Indonesia – PT Bank Central Asia Tbk (BBCA) head Jahja Setiaatmadja admitted he was optimistic about 2023.
According to him there will be challenges and it won’t be easy. However, how can we identify which sectors are difficult and start mapping them from now on.
“Target 2023? We are optimistic that this year it could be 12.6% y / y. Basically, consumption will always be necessary. 256 million Indonesians need food and fashion. Hopefully tourists can come, not only. Indonesians. This can be reciprocal. China may next year, so it’s really tourism, Bali, Lombok, Toraja, Toba can be normal, “Jahja said in BCA’s third quarter performance presentation on Thursday (20/10 / 2022).
These hopes come with a note that there are no more Covid-19 variants, or other sudden weird things. In general, according to him, 2023 should be optimistic, but attentive and concerned.
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However, according to him, the banking structure will be different, in the BCA itself the composition is composed of 12% deposits, and the rest is CASA.
“It is a relatively slower credit transformation, because the increase in interest rates on loans, dpk, dpk takes longer. If the structure of large deposits makes itself felt immediately, the changes are made. In general, the credit will be restrained from following the market, “explained Jahja.
Meanwhile, the BI rate is more positive, and will be positive for business income aside from loans, but secondary placements, as well as government trends, have increased in a positive direction towards finance.
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