{"id":11160,"date":"2024-02-26T17:02:24","date_gmt":"2024-02-26T10:02:24","guid":{"rendered":"https:\/\/businessupdate.id\/?p=11160"},"modified":"2024-02-26T17:02:28","modified_gmt":"2024-02-26T10:02:28","slug":"laba-bersih-bank-btpn-sepanjang-2023-turun-2381-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=11160","title":{"rendered":"Laba Bersih Bank BTPN Sepanjang 2023 Turun 23,81 Persen"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> PT Bank BTPN Tbk. (BTPN) mencetak laba bersih yang diatribusikan kepada pemilik sebesar Rp2,35 triliun pada 2023. Nilai tersebut&nbsp; turun 23,81% secara tahunan (yoy) dibandingkan laba bersih 2022 sebesar Rp3,09 triliun.&nbsp;<\/p>\n\n\n\n<p>Berdasarkan laporan keuangan, Bank BTPN ini sebenarnya mencatatkan peningkatan pendapatan bunga bersih (<em>net interest income<\/em>\/NII) 3,15% yoy menjadi Rp12,04 triliun pada 2023. Margin bunga bersih (<em>net interest margin<\/em>\/NIM) BTPN juga naik 8 basis poin (bps) dari 3,99% pada 2022 menjadi 4,07% pada 2023.&nbsp;<\/p>\n\n\n\n<p>Pendapatan berbasis komisi (<em>fee based income<\/em>) juga naik 2,55% yoy menjadi Rp823,45 miliar pada 2023. Akan tetapi, BTPN mencatatkan pembengkakan kerugian penurunan nilai aset keuangan (<em>impairment<\/em>) dari Rp2,59 triliun pada 2022 menjadi Rp3,01 triliun pada 2023.&nbsp;<\/p>\n\n\n\n<p>Beban lain juga meningkat. Beban tenaga kerja misalnya naik dari Rp3,4 triliun menjadi Rp3,75 triliun. Sementara beban promosi naik dari Rp260,94 miliar menjadi Rp278,02 miliar.&nbsp;<\/p>\n\n\n\n<p>Akibatnya, bank pun mencatatkan penurunan kondisi efisiensi. Tercatat, rasio beban operasional terhadap pendapatan operasional (BOPO) BTPN naik 381 bps menjadi 83,83% pada 2023. Semakin naik rasio BOPO menunjukkan semakin tidak efisiennya perbankan dalam menjalankan usahanya.&nbsp;<\/p>\n\n\n\n<p>Dari sisi intermediasi, BTPN telah menyalurkan kredit dan pembiayaan syariah konsolidasi sebesar Rp156,56 triliun pada 2023, tumbuh 7,14% yoy. Akan tetapi, aset BTPN turun 3,69% yoy menjadi Rp201,44 triliun.&nbsp;<\/p>\n\n\n\n<p>Meski begitu, bank tetap menjaga kualitas asetnya. Tercatat, rasio kredit bermasalah (<em>non performing loa<\/em>n\/NPL) gross BTPN susut dari 1,32% pada 2022 menjadi 1,23% pada 2023. NPL nett pun turun dari 0,45% menjadi 0,41%.&nbsp;<\/p>\n\n\n\n<p>Dari sisi pendanaan, BTPN mendapatkan dana pihak ketiga (DPK) sebesar Rp108,19 triliun pada 2023, turun 5,8% yoy. Meskipun, dana murah atau <em>current account saving account<\/em> (CASA) bank naik 10,02% yoy menjadi Rp44,18 triliun pada 2023. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank BTPN Tbk. (BTPN) mencetak laba bersih yang diatribusikan kepada pemilik sebesar Rp2,35 triliun pada 2023. Nilai tersebut&nbsp; turun 23,81% secara tahunan (yoy) dibandingkan laba bersih 2022 sebesar Rp3,09 triliun.&nbsp; Berdasarkan laporan keuangan, Bank BTPN ini sebenarnya mencatatkan peningkatan pendapatan bunga bersih (net interest income\/NII) 3,15% yoy menjadi Rp12,04 triliun pada 2023. [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":4954,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,1636,1370,1381,377,553,1161,4946,4945],"class_list":{"0":"post-11160","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"tag-bank","9":"tag-banking","10":"tag-bersih","11":"tag-btpn","12":"tag-keuangan","13":"tag-laba","14":"tag-laporan","15":"tag-mitsui","16":"tag-sumitomo"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Laba Bersih Bank BTPN Sepanjang 2023 Turun 23,81 Persen - 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=11160\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Laba Bersih Bank BTPN Sepanjang 2023 Turun 23,81 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank BTPN Tbk. (BTPN) mencetak laba bersih yang diatribusikan kepada pemilik sebesar Rp2,35 triliun pada 2023. Nilai tersebut&nbsp; turun 23,81% secara tahunan (yoy) dibandingkan laba bersih 2022 sebesar Rp3,09 triliun.&nbsp; Berdasarkan laporan keuangan, Bank BTPN ini sebenarnya mencatatkan peningkatan pendapatan bunga bersih (net interest income\/NII) 3,15% yoy menjadi Rp12,04 triliun pada 2023. 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