{"id":10916,"date":"2024-02-12T07:19:57","date_gmt":"2024-02-12T00:19:57","guid":{"rendered":"https:\/\/businessupdate.id\/?p=10916"},"modified":"2024-02-12T07:21:11","modified_gmt":"2024-02-12T00:21:11","slug":"laba-bersih-btn-sepanjang-2023-tercatat-rp35-triliun","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=10916","title":{"rendered":"Laba Bersih BTN Sepanjang 2023 Tercatat Rp3,5 Triliun"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> PT Bank Tabungan Negara (Persero) Tbk. (BBTN) mencatatkan laba bersih Rp3,5 triliun sepanjang 2023. Capaian tersebut meningkat 14,97% secara tahunan (yoy).\u00a0<\/p>\n\n\n\n<p>Dalam laporan keuangan yang dipublikasikan di media massa, Senin (12\/2\/2024), pendapatan bunga mencapai Rp28,27 triliun pada akhir Desember 2023, tumbuh 9,21% dari sebelumnya Rp25,89 triliun pada 2022.&nbsp;<\/p>\n\n\n\n<p>Pendapatan bunga bersih (<em>net interest income<\/em>\/NII) BTN sebesar Rp13,62 triliun pada 2023, dibanding Rp15,15 triliun pada 2022. BTN juga mencatatkan peningkatan pendapatan berbasis komisi (<em>fee based income<\/em>) sebesar 14,86% yoy menjadi Rp1,43 triliun. Periode yang sama pada 2022 sebesar Rp1,24 triliun.&nbsp;<\/p>\n\n\n\n<p>Pendapatan berbasis komisi adalah strategi bank yang menunjukkan kemampuan perusahaan memberikan servis lebih kepada pelanggan di luar mengandalkan bunga.&nbsp;<\/p>\n\n\n\n<p>Tak hanya itu, BTN mencatatkan penyusutan beban kerugian penurunan nilai aset keuangan (<em>impairment<\/em>) 6,33% yoy menjadi Rp3,76 triliun sepanjang 2023, dibanding sebelumnya Rp4,02 triliun pada 2022.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Sepanjang 2023, BTN mencatatkan peningkatan sejumlah rasio penting. Tercatat rasio margin bunga bersih (<em>net interest margin<\/em>\/NIM) perseroan berada di level 3,75%. Lalu, rasio imbal balik aset (<em>return on asset<\/em>\/ROA) bank naik 5 bps menjadi 1,07%. Rasio imbal balik ekuitas (<em>return on equity<\/em>\/ROE) BTN sebesar 13,86% pada 2023.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Dari sisi intermediasi, BTN telah menyalurkan kredit sebesar Rp296,58 triliun pada tahun lalu, tumbuh 11,22% dari periode sebelumnya Rp266,66 triliun. Kemudian pembiayaan syariah BTN sebesar Rp37,11 triliun&nbsp; sepanjang 2023, naik 17,36% dari sebelumnya Rp31,62 triliun. Alhasil, secara total kredit dan pembiayaan BTN menjadi Rp333,7 triliun, naik 11,87% yoy.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Dengan adanya kenaikan pembiayaan dan kredit, membuat aset BTN ikut naik 9,1% yoy menjadi Rp438,75 triliun dibanding sebelumnya Rp302,15 triliun.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Seiring dengan penyaluran kredit, rasio kredit bermasalah (<em>nonperforming loan<\/em>\/NPL) <em>gross<\/em> BTN berada di level 3,01%, turun 37 basis poin (bps) dari level 3,38%. Sedangkan NPL nett BTN tercatat stabil di level 1,32% sepanjang 2023.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Sementara itu, dari segi pendanaan, BTN meraup dana pihak ketiga (DPK) mencapai Rp349,93 triliun, naik 8,7%, dari sebelumnya Rp321,94 pada 2022. Dana murah atau <em>current account savings account <\/em>(CASA) BTN sebesar Rp188 triliun sepanjang 2023, tumbuh 20,36% dari sebelumnya Rp156,2 triliun atau porsinya mencapai 53,73% dari total DPK. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk. (BBTN) mencatatkan laba bersih Rp3,5 triliun sepanjang 2023. Capaian tersebut meningkat 14,97% secara tahunan (yoy).\u00a0 Dalam laporan keuangan yang dipublikasikan di media massa, Senin (12\/2\/2024), pendapatan bunga mencapai Rp28,27 triliun pada akhir Desember 2023, tumbuh 9,21% dari sebelumnya Rp25,89 triliun pada 2022.&nbsp; Pendapatan bunga bersih (net interest [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2937,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,183,377,553,1161,544,1144],"class_list":{"0":"post-10916","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"tag-bank","9":"tag-btn","10":"tag-keuangan","11":"tag-laba","12":"tag-laporan","13":"tag-negara","14":"tag-tabungan"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Laba Bersih BTN Sepanjang 2023 Tercatat Rp3,5 Triliun - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=10916\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Laba Bersih BTN Sepanjang 2023 Tercatat Rp3,5 Triliun - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk. 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Capaian tersebut meningkat 14,97% secara tahunan (yoy).\u00a0 Dalam laporan keuangan yang dipublikasikan di media massa, Senin (12\/2\/2024), pendapatan bunga mencapai Rp28,27 triliun pada akhir Desember 2023, tumbuh 9,21% dari sebelumnya Rp25,89 triliun pada 2022.&nbsp; Pendapatan bunga bersih (net interest [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=10916\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-12T00:19:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-12T00:21:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2022\/12\/bank-btn.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1403\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Premieri A\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Premieri A\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=10916\",\"url\":\"https:\/\/businessupdate.id\/?p=10916\",\"name\":\"Laba Bersih BTN Sepanjang 2023 Tercatat Rp3,5 Triliun - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-02-12T00:19:57+00:00\",\"dateModified\":\"2024-02-12T00:21:11+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=10916#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=10916\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=10916#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Laba Bersih BTN Sepanjang 2023 Tercatat Rp3,5 Triliun\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\",\"name\":\"Premieri A\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"caption\":\"Premieri A\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=5\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Laba Bersih BTN Sepanjang 2023 Tercatat Rp3,5 Triliun - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=10916","og_locale":"en_US","og_type":"article","og_title":"Laba Bersih BTN Sepanjang 2023 Tercatat Rp3,5 Triliun - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk. 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