Intip! Prospek Industri Perumahan dan Properti di 2024
PT Bank Tabungan Negara Tbk (BTN) optimis pertumbuhan kredit pada tahun 2024 akan lebih tinggi dari 2023. Bank BTN menargetkan kredit tumbuh sekitar 10%-11% di tahun depan.
Direktur Finance Bank BTN Nofry Rony Poetra menyatakan, pertumbuhan kredit masih akan didorong oleh kredit perumahan atau KPR baik subsidi maupun nonsubsidi. Sementara itu, untuk kredit non subsidi akan didorong dengan adanya insentif PPN 0 persen dari pemerintah untuk harga rumah dibawah Rp2 miliar.
Nofry juga mengatakan bahwa BTN akan tetap menyalurkan kredit UMKM, ritel maupun korporasi sebagai portofolio kredit perseroan. Selain itu, terdapat beberapa inisiatif strategi yang saat ini dilakukan untuk pengembangan 3 sales center pada tahun 2024 dan inisiatif lanjutan dari kredit high yield yang akan mampu mendorong pertumbuhan kredit lebih lanjut.
Direktur Finance Bank BTN Nofry Rony Poetra menyatakan, pertumbuhan kredit masih akan didorong oleh kredit perumahan atau KPR baik subsidi maupun nonsubsidi. Sementara itu, untuk kredit non subsidi akan didorong dengan adanya insentif PPN 0 persen dari pemerintah untuk harga rumah dibawah Rp2 miliar.
Nofry juga mengatakan bahwa BTN akan tetap menyalurkan kredit UMKM, ritel maupun korporasi sebagai portofolio kredit perseroan. Selain itu, terdapat beberapa inisiatif strategi yang saat ini dilakukan untuk pengembangan 3 sales center pada tahun 2024 dan inisiatif lanjutan dari kredit high yield yang akan mampu mendorong pertumbuhan kredit lebih lanjut.
Category
📺
TVTranscript
00:00 Yes, Mr. Mirza, PT Bank Tabungan Negara Perserot BK Optimis
00:03 Credit growth in 2024 will be higher than 2023
00:08 BTN Bank targets growth of 10-11% next year
00:13 Even so, credit growth will still be pushed by household credit
00:17 or KPR, both subsidy and non-subsidy
00:20 PT Bank Tabungan Negara Perserot BK Optimis
00:26 Credit growth in 2024 will be higher than 2023
00:32 BT Bank targets growth of 10-11% next year
00:37 BTN Finance Director Nofri Roniputra
00:40 says credit growth will still be pushed by household credit
00:43 or KPR, both subsidy and non-subsidy
00:46 Meanwhile, non-subsidy credit will be pushed
00:48 with a 0% PPN incentive from the government
00:51 for house prices below 2 billion rupiah
00:55 Nofri also said that BTN will continue to distribute
00:57 UMKM, retail and corporate credit
01:00 as a company's credit portfolio
01:03 So, what about the prospect of the household and property industry in 2024?
01:09 Watch the discussion later
01:12 Yes, Mr. Mirza, to discuss our interesting topic today
01:18 The prospect of the household and property industry in 2024
01:22 We have been connected through Zoom with Mr. Nofri Roniputra
01:26 He is the Director of PT Bank Tabungan Negara Persero TBK
01:30 Good morning, Mr. Nofri
01:32 Good morning, Mr. Kras, how are you?
01:34 Good morning, Mr. Nofri
01:36 Thank you for your time
01:39 It's interesting if we talk about the prospect of the property industry in the future
01:44 What is it like and what is the impact on the household?
01:46 But before discussing further, can you explain in detail
01:50 how is the prospect of BTN Bank at the end of 2023?
01:56 Okay, thank you, colleagues
02:00 So, if we look at the prospect of BTN Bank until September
02:06 The figure is quite good
02:08 And we are optimistic that by the end of December
02:11 we will reach all the targets that have been set
02:15 For the growth of credit, we can grow by almost 10% at 9.9%
02:22 The main engine is still in the housing sector, especially in the housing and real estate sector
02:27 And also in the sector that we call KPR and beyond or mortgage and beyond
02:34 So, products, home equity loans
02:37 Then also products that are soft loans
02:41 And of course also to the other KUR and SMEs
02:46 In addition, also commercial credit products
02:49 That's what we do to boost the growth of credit in BTN
02:53 Then from the funding side, we can also grow quite well
02:58 At an average of almost 4%
03:00 In doing the funding growth strategy
03:03 We determine in a sufficient amount to support or support credit growth
03:10 And also of course meet all the needs of the bank liquidity
03:13 As we know, in 2023, the ratio is quite high
03:18 So we have to do the right strategy to maintain stability
03:21 Between liquidity needs and bank profitability growth
03:26 Next, from the growth of our capital
03:32 Very good, our CAR is now at around 19.5%
03:36 And this is also enough to finance the growth of BTN
03:40 Next, from the clean lab side
03:43 We grow almost 3%, almost 4%
03:47 And we are optimistic that by the end of the year we will be able to grow 8-10%
03:52 So hopefully all profitability ratios in the form of ROE and ROA
03:59 We will be able to achieve according to the target
04:01 This is an overview of our progress until the end of the year
04:06 So, fundamentally, the performance of BTN Bank is already in line with the target of the management
04:12 And the average is experiencing positive growth
04:14 So, what has been evaluated by the management of BTN Bank in the coming year 2024?
04:22 We are optimistic about what will happen in 2024
04:28 We will continue to evaluate several things
04:30 Starting from the business process improvement that we have done in a continuous way since 2020
04:36 Every year we continue to evaluate
04:39 This business process must be able to support business growth
04:42 Then we also see some things that are room for improvement in BTN
04:50 Starting from the growth of low-cost funding
04:53 Our growth rate is quite significant, 53% in September 2023
05:02 Then, the improvement of credit quality is also one thing that we continue to do
05:07 In various ways, we have and will continue to do
05:11 Including selling our NPL on the commercial side through a transaction that is easy to cause
05:18 Then also improvement in digitalization
05:22 Because we are confident that we can provide solutions to our customers
05:28 Especially in terms of savings or cash through improvements in mobile banking and also cash management BTN
05:35 Then our customers will make transactions
05:37 And thus the number of volume of account and number of account will continue to increase
05:43 Besides that, we also see the opportunity for incentives from the government
05:49 From the side of taxation, then the administration's assistance, LTP
05:55 And later there will definitely be subsidies or additional subsidies
06:00 As part of the annual budget of the government or the PBN
06:04 So there are also various strategies that have been prepared from the BTN Bank in the coming year 2024
06:12 And the government itself, we see that projecting economic growth in the future is around 5.2%
06:17 So how do you see this projection and its relationship with the future BTN Bank business?
06:24 We are optimistic, the guidance from the government is 5.2% for GDP growth
06:32 And if we look at the current growth, it is already at 4.94%
06:40 And the prediction is that by the end of the year, the number will be at 5%
06:43 So we do see good growth in our GDP and it is supported by the consumption of our society
06:53 If we try to relate it to credit growth, the target set by the Bank of Indonesia is around 10-12%
07:02 While we ourselves, as I said, for 2024, we believe we can grow better than our numbers in 2023
07:11 To 11-13%
07:14 And this credit growth will support the growth of the BTN Bank business
07:21 Because we are in the property sector, we think the growth will be very good
07:28 Data from the Statistic Center, Mr. Nohfri mentioned that the real estate sector and property sector
07:36 Over the past year, have been noting growth in the midst of the rise of the Bank of Indonesia
07:42 How do you see the projection related to the Bank of Indonesia, the property sector?
07:47 But hold on, Mr. Nohfri, we will explain in a moment
07:50 And we will be back after the next part of the interview
07:54 Thank you for joining us in Market Review
07:57 In the next interview, we will see how the financial energy of the Bank of Indonesia, the savings of the TBK Bank
08:04 Data per quarter of 2023, we see from the clean sheet, it is 2.31 trillion rupiah
08:12 While for the credit distribution, it has reached 283.5 trillion rupiah per quarter of this year
08:19 There is also an operational income of 2.96 trillion rupiah
08:25 Let's continue the discussion with Mr. Nohfri Rohni Putra
08:31 He is the Director of Finances, PT Bank, Tabungan Negara Persero, TBK
08:35 Mr. Nohfri, we will continue again
08:37 If we talk about the property sector that you mentioned
08:41 As a supporter of the entire Bank BTN, how do you see the prospect
08:46 Where the BPS data says the real estate sector also over the past year
08:50 Still growing positively, right?
08:53 If we look at the real estate data, the growth in Q3 2023 grew by 2.2%
09:03 This is a pretty good number
09:06 Because the GDP was 4.94%
09:09 So if we look at the government's prediction at 5.2% GDP
09:14 It means that with the same correlation, the real estate growth will reach 2.5% to 2.75%
09:22 So this is a sector that exists in the BTN
09:28 Our own real estate growth is also very good
09:31 For 9 months in 2023
09:34 Not only driven by the growth in the real estate subsidy side
09:37 Where we are a major player there
09:39 But also on the non-subsidy side
09:41 Even the growth of new real estate for our non-subsidy real estate
09:46 The figure almost reached 30 trillion in the first 9 months
09:50 And to support these sectors, in the non-subsidy
09:54 We have also opened 3 sales centers
09:58 Especially in several non-subsidy housing development pockets
10:05 Or commercial houses
10:07 In the South Jakarta area, towards Sorpong
10:10 Then also in North Jakarta to North Lekasi
10:14 And of course in the Surabaya area
10:16 And these 3 are the initial steps in 2023
10:19 And we will continue to open consumer sales centers
10:24 For tapping higher ticket size in our non-subsidy real estate
10:29 Up to 350 million to 1 billion rupiah
10:33 So we are confident that this will be the engine for the growth of non-subsidy real estate business in the BTN
10:40 So how about the growth of the Indonesian Cukupunga Cuan Bank?
10:43 Where we have left the low Cukupunga regime
10:46 Do you see this as a challenge for the BTN?
10:50 If we look at the Cukupunga Cuan Bank
10:55 Which is now quite high at 6%
10:58 And we believe this should have reached the highest point
11:02 Even yesterday, we saw that the flow of Cukupunga Cuan Bank in the US was not moving
11:08 Up to 5.5%
11:10 And the prediction is quite obvious
11:13 In 2024, there will be a 3x decrease in the FED's interest rate
11:18 And this signal will of course be followed by the Indonesian Bank
11:23 And with the decrease in the interest rate, it will bring a positive impact on the BTN Bank
11:30 Especially, of course, the entire bank
11:33 Because the competition to get the third party funds
11:38 From the interest rate will decrease
11:43 So this will make our assets cheaper
11:47 And of course the bank will be able to give a lower credit flow rate
11:51 And of course it will encourage growth of the credit itself
11:54 Mr. Norfrieden, we see in 2024
11:57 This is the peak of the political year
11:59 Where in February there will be a press conference and a legislative election
12:03 How? Many analysts say that this democratic festival is also a momentum for the consumer sector
12:09 Is it also a positive impact for the property and housing sector in the future?
12:14 If we look at it historically, there were several election periods
12:20 In the last four elections, the statistics said that the growth was good
12:25 In Indonesian household consumption
12:31 In addition, especially for next year
12:34 After the election, Ramadan and Eid started
12:40 And usually the money flow rate for the products is quite high
12:45 Very high
12:46 And we are in the sector
12:50 In that part, because we pay
12:54 Especially for the sector that is low to middle income people
12:58 And the impact on the BTN will be very good
13:02 Not only on the side of fundraising
13:05 But also on the side of credit
13:07 Because especially for the property credit
13:10 It has a very wide network effect
13:14 Almost 175 or 160 related industries
13:21 Of course this will be very good for economic growth
13:25 Not only BTN but also the national economy
13:27 Okay, so in the future
13:29 How do you see the opportunities and challenges of the national housing budget in 2024?
13:36 Yes, still related to the voters
13:40 We are sure that whoever is the leader of this country
13:43 Especially for housing subsidies
13:46 The APB will still be there
13:48 Because this is a very important issue in housing
13:51 Not only from the education, health and others
13:55 So the opportunity for BTN to continue to grow in terms of housing subsidies is very high
14:04 Then from the backlog that exists now
14:08 12.7 million houses
14:10 With an increase every year
14:14 The short-term is approximately 500 to 600 thousand units of houses
14:19 With the new marriage
14:22 Every year approximately 1 million new couples
14:25 And this is an increase in demand
14:27 That is the opportunity that we hope or we can make good use of
14:34 Of course, we also talked about the government's incentives on taxation
14:42 Then the price of houses also increased
14:44 For housing subsidies that attract new supply from developers
14:48 Among the challenges is the scheme of the subsidy committee in 2024
14:56 We have already submitted a proposal to the ministry
15:00 To make a little change
15:02 Of course to add more units than in 2023
15:07 So this is a challenge that I feel
15:11 And also a much greater opportunity than the challenges
15:14 We also know that there are many investment sectors
15:17 If you say we need to find new breakthroughs
15:21 Innovations
15:22 But how does BTN see that we know the momentum of the millennial generation
15:27 Gen Z
15:28 Will this also be taught by BTN?
15:30 And are there any products that are specialised for them?
15:33 Hold on to the answer
15:34 Mr. Nofri, we will be back in a moment
15:36 And viewers, stay with us
15:38 We continue this interesting discussion again
15:40 With Mr. Nofri Roniputra, Director of the Bank's Financial Department
15:44 The State Treasury of the TBK
15:46 Mr. Nofri, it's interesting if we look at the demography
15:49 From the millennial and Gen Z generation
15:52 Where we get a fairly large bonus
15:54 How do you see the BTN bank strategy?
15:57 Will it also attract new customers from this generation?
16:01 What will the strategy be like?
16:03 That's right, Mr. Pras
16:06 The demographic bonus we have
16:09 We talked about 1 million new marriages
16:12 And that's definitely a millennial
16:14 And this is a new demand
16:17 Of course we have to take advantage of it from the BTN bank's perspective
16:21 We strengthen our current products
16:24 We have a product called KPR Guys
16:26 It's also called specifically for millennial
16:30 The relationship is competitive
16:32 We can give a fixed period for a certain period
16:35 Then we adjust it to be a floating
16:36 And the floating is not directly spiked
16:39 We make it a line
16:40 So we adjust it to the development
16:43 Of course the career of the millennials
16:47 Then we also make a long time period
16:51 Up to 30 years
16:53 With an interesting DP
16:55 Just 1%
16:56 Even though we also realize
16:58 If you want the interest rate to be lower, add the DP
17:01 But if the DP is still not able
17:02 We reduce it, it's okay
17:04 Because the career will definitely improve in the future
17:07 Then we also strengthen our digital side
17:11 Because these millennials are very gadget minded
17:16 All with just pressing
17:19 So we strengthen our mobile banking
17:22 We introduced new mobile banking in February yesterday
17:25 We added an app that is connected to our mobile banking
17:31 So the features are more interesting
17:32 And it differentiates us from other mobile banking banks
17:35 So you can do online onboarding
17:39 Through this app
17:40 You can upload all the documents digitally
17:45 You don't have to come to the bank office
17:47 To submit the documents physically
17:49 After they deliver the documents
17:52 Then friends in B10 only need 3-5 days to process
17:57 And on the last day, the fifth or seventh day
18:00 They are invited to sign in
18:04 And discuss from the KPR
18:07 Through this app
18:09 Millennial friends can see
18:13 Which project they want
18:16 This is the design of the house
18:17 This is the choice of the developer
18:19 Because we have a very wide cooperation with developers all over Indonesia
18:23 Not only top national developers
18:25 But also several developers who continue to develop with B10
18:29 So this is a national scale
18:32 So in each area there are products that are offered
18:35 What is the design like
18:36 What is the financing scheme like for the Millennial and Gen Z generation?
18:42 That's right
18:44 We believe that competition is not only from the pricing or rent
18:49 But also from the business process and service
18:52 So this is what we accelerate on these three sides
18:56 On the non-subsidy side
18:59 Not only the subsidy, but also the non-subsidy
19:01 As I said, we open several consumer centers for each market
19:05 Which is air ticket size
19:07 Okay, B10 itself is also optimistic
19:10 That the credit of the house owner or KPR will grow higher in 2024
19:15 Compared to the previous year
19:16 Can be explained more about how to achieve in 2024
19:21 What are the supporting factors for the growth of KPR?
19:26 Yes, first of all, the macro condition itself
19:31 We hope to be better in 2024
19:35 The higher for longer prediction should be in 2024
19:39 It will be finished slowly and has decreased
19:41 Now it's higher, it needs to be paused for a few months
19:43 Then it will slowly decrease
19:46 That is, 3-4 times, maybe in a few months the reduction will decrease
19:50 That means the credit rate will also decrease
19:53 And it will trigger a higher demand
19:55 Then from the side, especially for the credit subsidy
20:02 With the change of the subsidy scheme itself
20:08 Will also provide an opportunity for the addition of units of the house that can be paid
20:13 Besides from the B10 itself, internally we also prepare the development of more ready branches offices
20:22 We have more than 500 small branches offices
20:26 We ask them to be more active to do sales and services
20:32 So we are closer to our customers
20:38 The biggest challenge from the property industry is the backlog
20:42 The need for houses in the water is still around 12.7 million
20:45 While the growth rate of new families as you said is also quite large
20:49 Around 500 thousand per year
20:52 How do you see this opportunity can be used
20:55 While we are still trying to catch up with the backlog
21:00 B10 is an intermediary institution, we are in the middle
21:07 If the demand is so big, we must be ready to pay the mortgage
21:16 But on the other hand, we also have to support the supply
21:19 We work with the developers
21:23 We have thousands of developers
21:26 From the subsidy sector to the non-subsidy sector
21:30 From the landed house to the high-rise
21:32 Although for 2024 we will focus more on the landed house
21:37 We also cooperate with several universities
21:45 To be able to create a special program to create new developers
21:50 Or to create new developers
21:52 We have a mini MBA program
21:56 We work with the developers
21:59 We have a suntree for developers
22:02 This is very good to create a supply to meet the demand
22:08 Okay, so from the policy side
22:11 What do you expect from B10 to boost the housing and property budget in the future?
22:20 We are very optimistic about the government policy
22:23 Especially on the mortgage side
22:25 Free 11% of PPN, up to 2 billion or even 5 billion
22:32 For the first 2 billion, the tax will be released
22:36 Also help with the administration
22:39 For subsidized houses
22:43 Then there is also LTP which is up to 100%
22:49 This is the policy that we hope to continue every year
22:55 And of course the support from the APBN side for the subsidy of houses that will continue to exist throughout the year
23:03 Okay, so your optimism in 2024 will still be sure
23:09 That the growth of the property sector
23:12 Then the expansion will still be in line with the management's target
23:16 Yes, of course, because that's part of the opportunity that we have to take advantage of as optimally as possible
23:22 That's it, the audience has been delivered quite well
23:25 From Mr. Nofri Roniputra, Director of the PT Bank Finance of the Persero Tbk State
23:30 Related to how the BTN Bank sees its business prospects in 2024
23:35 Welcome Mr. Nofri, thank you very much for your time and sharing that you have delivered to the audience today
23:41 Congratulations on continuing your activities again and greetings
23:45 Thank you, Mr. Rasmus, good health to all of us
23:48 Thank you for watching