{"id":11768,"date":"2024-04-01T16:14:00","date_gmt":"2024-04-01T09:14:00","guid":{"rendered":"https:\/\/businessupdate.id\/?p=11768"},"modified":"2024-04-01T15:57:52","modified_gmt":"2024-04-01T08:57:52","slug":"laba-bank-ina-sepanjang-2023-melonjak-3236-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=11768","title":{"rendered":"Laba Bank INA Sepanjang 2023 Melonjak 32,36 Persen"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> PT Bank Ina Perdana Tbk. (BINA) milik Anthony Salim berhasil mencetak laba bersih Rp207,87 miliar sepanjang 2023. Nilai tersebut melonjak 32,36% secara tahunan (yoy) dibandingkan laba bersih tahun sebelumnya sebesar Rp157,04 miliar.&nbsp;<\/p>\n\n\n\n<p>Berdasarkan laporan keuangan yang dipublikasikan, laba bank terdorong oleh peningkatan pendapatan bunga bersih (<em>net interest income<\/em>\/NII) 25,91% yoy menjadi Rp748,01 miliar. Pendapatan non bunga, yakni pendapatan berbasis komisi (<em>fee based income) <\/em>pun naik 13,8% yoy menjadi Rp11,17 miliar.&nbsp;<\/p>\n\n\n\n<p>Sementara itu, rasio profitabilitas bank jika dilihat dari tingkat pengembalian aset (<em>return on asset<\/em>\/ROA) naik tipis dari 1,09% pada 2022 menjadi 1,17% pada 2023. Semakin naik ROA, maka semakin membaik kemampuan bank dalam mendayagunakan asetnya untuk memperoleh keuntungan.&nbsp;<\/p>\n\n\n\n<p>Namun, tingkat pengembalian ekuitas (<em>return on equity<\/em>\/ROE) turun dari 6,57% pada 2022 menjadi 6,14% pada 2023. Apabila ROE bank turun, maka semakin berkurang kinerja bank dalam menghasilkan laba bersih melalui modalnya.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Dari sisi intermediasi, Bank Ina agresif menyalurkan kredit pada 2023. Tercatat, angka penyaluran kredit mencapai Rp12,67 triliun, naik 30,03%, jauh di atas industri. Aset pun naik 18,63% yoy menjadi Rp24,38 triliun.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Meski begitu, kualitas aset bank memburuk. Tercatat, rasio kredit bermasalah (<em>non performing loan<\/em>\/NPL) Bank Ina membengkak dari 1,73% pada 2022 menjadi 3,44% pada 2023. NPL nett juga naik dari 0,55% menjadi 1,69%.\u00a0<\/p>\n\n\n\n<p>Dari sisi pendanaan, BINA telah meraup dana pihak ketiga (DPK) sebesar Rp19,3 triliun pada 2023, melonjak 25,18% yoy. Dana murah atau <em>current account saving account <\/em>(CASA) BINA juga naik 17,08% yoy menjadi Rp6,28 triliun pada 2023. (rn\/jh. Foto: Dok. Bank Ina)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Ina Perdana Tbk. (BINA) milik Anthony Salim berhasil mencetak laba bersih Rp207,87 miliar sepanjang 2023. Nilai tersebut melonjak 32,36% secara tahunan (yoy) dibandingkan laba bersih tahun sebelumnya sebesar Rp157,04 miliar.&nbsp; Berdasarkan laporan keuangan yang dipublikasikan, laba bank terdorong oleh peningkatan pendapatan bunga bersih (net interest income\/NII) 25,91% yoy menjadi Rp748,01 miliar. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":11769,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[6522,426,4320,4218,377,553,1161,1108],"class_list":{"0":"post-11768","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"tag-anthony-salim","9":"tag-bank","10":"tag-bina","11":"tag-ina","12":"tag-keuangan","13":"tag-laba","14":"tag-laporan","15":"tag-perdana"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Laba Bank INA Sepanjang 2023 Melonjak 32,36 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=11768\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Laba Bank INA Sepanjang 2023 Melonjak 32,36 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Ina Perdana Tbk. (BINA) milik Anthony Salim berhasil mencetak laba bersih Rp207,87 miliar sepanjang 2023. Nilai tersebut melonjak 32,36% secara tahunan (yoy) dibandingkan laba bersih tahun sebelumnya sebesar Rp157,04 miliar.&nbsp; Berdasarkan laporan keuangan yang dipublikasikan, laba bank terdorong oleh peningkatan pendapatan bunga bersih (net interest income\/NII) 25,91% yoy menjadi Rp748,01 miliar. 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