Strategi perbankan atasi penurunan margin bunga bersih

REKANBOLA – Margin bunga bersih atau net interest margin (NIM) di beberapa bank BUMN tercatat mengalami penurunan pada kuartal III-2018. Mengacu pada laporan keuangan kuartal III 2018, penurunan NIM terbesar dibukukan oleh BRI sebesar 40 basis points (bps) menjadi 7,61 persen.

Direktur Utama BRI Suprajarto menjelaskan, tajamnya penurunan NIM disebabkan kenaikan suku bunga acuan BI 7 Days Reverse Repo Rate (BI7DRRR) yang telah mencapai 150 bps menjadi 5,75 persen.

“Biaya bunga simpanan kan naik, tapi tidak diikuti secara otomatis suku bunga pinjaman. Karena penyaluran kredit kita kan kecil-kecil, jadi nggak mungkin yang kecil-kecil kita naikin, NIM-nya kan otomatis langsung ke geret ke bawah,” tuturnya di Bontang, seperti ditulis Senin (29/10).

Dia menjelaskan, perseroan kini mencari sumber laba dari pendapatan non bunga (fee based income/FBI). Kata dia, perseroan menargetkan pendapatan non bunga sebesar Rp 11,8 triliun pada tahun ini.

“Jadi memang justru yang kita dorong nanti bukan interest margin lagi, tapi fee base nanti, Kita akan bikin platform yang terkait dengan fee base, akan kita dorong terus,” ujarnya.

Dijumpai di tempat yang sama, Direktur Utama Mandiri Kartika Wirjoatmodjo dan Direktur Utama BTN Maryono menyatakan sependapat. Mereka menilai, NIM perbankan dipastikan turun jika tidak diikuti kenaikan bunga kredit merespon suku bunga BI.

“NIM kan turun karena memang kita kan likuiditas ketat dan bunga acuan BI meningkat,” jelas Kartika.

Dia menargetkan fee based income perseroan dapat tumbuh 11 hingga 12 persen sampai akhir tahun. “Kita fee based sudah tinggi, 30,5 persen dan yang penting bisa tumbuh di atas 10 persen, 11 persen atau 12 persen lah,” imbuhnya.

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Sementara itu, Dirut BTN Maryono menyebutkan, NIM akan didorong dengan mencari pendapatan bunga non promo, pendapatan kredit non subsidi, serta meningkatkan kredit komersil sebesar 0,25 persen.

“Suku bunga BI itu kan naik, otomatis kita naikkan pricing bunga, sedangkan kredit kita belum menaikkan, sehingga antara pendapatan bunga dan biaya bunga itu lebih cepet kenaikan biaya bunga,” kata Maryono mengimbangi.

“Pendapatan bunga kita punya portofolio 85 persen dari KPR subsidi. Kapanpun bunganya tidak akan dinaikan karena itu adalah program pemerintah,” ungkapnya.

13 thoughts on “Strategi perbankan atasi penurunan margin bunga bersih

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