Syariah Business Unit PT Bank CIMB Niaga Tbk expanded its service network of Sharia to the Eastern Indonesia. This expansion strategy is done by adding two Sharia Branch Office (KCS) in Denpasar-Bali and Mataram, West Nusa Tenggara (NTB).
With increasing two the KCS, CIMB Niaga syariah banking services across Indonesia has increased to 28 KCS, 1 Maid Sharia Branch Office (KCPS), and 545 Office Channeling (OC).
Specifically in the area of Eastern Indonesia, CIMB Niaga Syariah has been present in Samarinda, Banjarmasin, Makassar, Bali and Mataram-NTB.
Director of Commercial Banking CIMB Niaga Syariah Handoyo & Soebali reveals, Islamic banking industry predicted Homeland will continue to evolve rapidly. The picture becomes the background of the expansion of the network of Sharia CIMB.
In addition to the market demand for Shariah-compliant products that continue to rise, the macroeconomic situation of Indonesia contributing the development of relatively stable Islamic banking industry.
"This gives hope that the Islamic banking market in Indonesia is still very large. See that potential, we will continue to expand its service network, CIMB Niaga syariah to various locations in the country, "said Handoyo through affidavits are accepted merdeka.com, Tuesday (7/2).
Handoyo added, CIMB Niaga Syariah presenting services and products in the form of Sharia financing or deposits. Products offered, among other CIMB Niaga Syariah Savings iB-Tra.
This is a savings product deposits the funds in the form of third-party savings that comply with Sharia principles, namely deposit (wadiah) where the owner of the funds gives complete freedom to CIMB Niaga Syariah (Mudharib) to manage the Fund.
CIMB Niaga Syariah provide financing in the form of products of financing home ownership iB (PKR iB) CIMB Niaga Syariah. By using the murabaha contract (buy and sell), the customer can enjoy a permanent and principal repayments up to a maximum of 20 years and fines-free when accelerated repayment before maturity. In addition, there is also the financing of car ownership (PKM) and repayments of principal and fixed a maximum of 5 years.
Throughout the year 2012, CIMB Niaga Syariah managed to record a satisfactory performance. Per 31 December 2012, the profit before tax of CIMB Niaga Syariah was recorded at Rp 138 billion. This figure increased by 88 percent from the same period of the previous year of Rp 75 billion. Total assets per 31 December 2012 accomplish Usd 9.07 trillion, an increase of 72 percent compared with the same period in 2008.
Meanwhile, CIMB Niaga Syariah financing through 2012 was recorded at Rp 7,68 trillion. This figure rose sharply compared to financing in the same period in 2011 which is Rp 3.30 trillion, or grow 133 percent. While third-party funds grew 69 percent to 6.99 trillion Rupiah, compared to the same position in 2011 amounting to Rp 4.14 trillion.
Handoyo is optimistic over the prospect of Islamic banking in the future. Armed with dual banking strategy implementation, i.e. a mix of conventional and Islamic banking services under one roof, it will be able to push the whole range at CIMB Niaga Syariah to increase business growth.
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