Bank Neo Commerce Enhances Credit Collection Strategy for Sustainable Profitability

Proactive Approach to Credit Management

PT Bank Neo Commerce Tbk. (BBYB) is implementing a more rigorous credit collection strategy to maintain asset quality and support sustainable profitability. The bank has established a dedicated collection team consisting of approximately 400 personnel, primarily focusing on digital collection methods.

Digital-First Collection Methodology

The collection team employs a proactive approach by sending payment reminders to customers through digital channels such as SMS and WhatsApp. Notifications are sent at multiple intervals: seven days, five days, and one day before the due date. This early intervention strategy has proven effective in achieving higher recovery rates compared to collections initiated after the 30-day delinquency period.

Financial Performance and Asset Quality

As of October 2025, BBYB reported profitability of Rp517 billion. While this performance was partially supported by reversal of provisioning, management emphasized that the contribution from this factor was relatively limited at Rp120 billion. The bank attributes its financial performance to the reduction in credit exposure.

Key Performance Targets

• Non-Performing Loan (NPL) ratio maintained below 3%
• Credit growth projection of approximately 20% for the coming year
• Enhanced credit assessment processes to support sustainable growth

Strategic Focus Areas

Management is prioritizing asset quality improvement as a foundation for long-term financial sustainability. The bank is strengthening its credit assessment processes to ensure more selective lending practices. This strategic focus is expected to support both profitability and controlled credit growth in the future.