{"id":11868,"date":"2024-04-08T06:13:45","date_gmt":"2024-04-07T23:13:45","guid":{"rendered":"https:\/\/businessupdate.id\/?p=11868"},"modified":"2024-04-08T06:18:55","modified_gmt":"2024-04-07T23:18:55","slug":"laba-bank-sinarmas-merosot-6572-persen-apa-penyebabnya","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=11868","title":{"rendered":"Laba Bank Sinarmas Merosot 65,72 Persen, Apa Penyebabnya?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Sinarmas Tbk. (BSIM) menorehkan laba bersih Rp75,79 miliar sepanjang 2023. Nilai tersebut turun 65,72% secara tahunan (yoy) dibandingkan laba bersih tahun sebelumnya Rp221,16 miliar.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan laporan keuangan yang dipublikasikan, Bank Sinarmas mencatatkan pendapatan bunga bersih (<em>net interest income<\/em>\/NII) yang meningkat, meskipun tipis 3,1% yoy menjadi Rp2,66 triliun pada 2023.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Namun, penyusutan laba bank terdorong oleh kerugian penurunan nilai aset keuangan (<em>impairment<\/em>) yang membengkak dari Rp694,27 miliar pada 2022 menjadi Rp907,29 miliar pada 2023.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sejumlah beban pun meningkat. Beban tenaga kerja naik dari Rp919,13 miliar pada 2022 menjadi Rp1,04 triliun pada 2023. Beban lainnya ikut terdongkrak dari Rp1,55 triliun menjadi Rp1,58 triliun.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seentara itu, efisiensi bank menurun. Tercatat, rasio beban operasional terhadap pendapatan operasional (BOPO) naik dari 93,27% pada 2022 ke level 103,36% pada 2023. Semakin naik rasio BOPO menunjukkan semakin tidak efisiennya perbankan dalam menjalankan usahanya.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari sisi intermediasi, Bank Sinarmas telah menyalurkan kredit Rp11,7 triliun pada 2023, turun 4,17% yoy. Meskipun, aset bank naik 11,15% menjadi Rp52,63 triliun pada 2023.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank pun telah memperbaiki kualitas asetnya. Tercatat, rasio kredit bermasalah (<em>non performing loan<\/em>\/NPL) gross Bank Sinarmas menyusut drastis dari 7,99% pada 2022 menjadi tinggal 1,53% pada 2023. NPL nett juga turun dari 2,39% ke level 0,35%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari sisi pendanaan, Bank Sinarmas telah meraup dana pihak ketiga (DPK) sebesar Rp42,14 triliun pada 2023, naik 8,91% yoy. Pertumbuhan DPK bank ditopang oleh dana murah alias <em>current account saving account<\/em> (CASA) sebesar Rp28,08 triliun pada 2023, naik 10,76% yoy. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Sinarmas Tbk. (BSIM) menorehkan laba bersih Rp75,79 miliar sepanjang 2023. Nilai tersebut turun 65,72% secara tahunan (yoy) dibandingkan laba bersih tahun sebelumnya Rp221,16 miliar.&nbsp; Berdasarkan laporan keuangan yang dipublikasikan, Bank Sinarmas mencatatkan pendapatan bunga bersih (net interest income\/NII) yang meningkat, meskipun tipis 3,1% yoy menjadi Rp2,66 triliun pada 2023.&nbsp; Namun, penyusutan [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":11870,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[6558,377,1775,553,1161,2867],"class_list":["post-11868","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-economic","tag-banl","tag-keuangan","tag-kinerja","tag-laba","tag-laporan","tag-sinarmas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Laba Bank Sinarmas Merosot 65,72 Persen, Apa Penyebabnya? - 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=11868\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Laba Bank Sinarmas Merosot 65,72 Persen, Apa Penyebabnya? - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Sinarmas Tbk. (BSIM) menorehkan laba bersih Rp75,79 miliar sepanjang 2023. Nilai tersebut turun 65,72% secara tahunan (yoy) dibandingkan laba bersih tahun sebelumnya Rp221,16 miliar.&nbsp; Berdasarkan laporan keuangan yang dipublikasikan, Bank Sinarmas mencatatkan pendapatan bunga bersih (net interest income\/NII) yang meningkat, meskipun tipis 3,1% yoy menjadi Rp2,66 triliun pada 2023.&nbsp; Namun, penyusutan [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=11868\" \/>\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=\"2024-04-07T23:13:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-07T23:18:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/04\/Bank-Sinarmas.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1250\" \/>\n\t<meta property=\"og:image:height\" content=\"753\" \/>\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=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=11868\",\"url\":\"https:\/\/businessupdate.id\/?p=11868\",\"name\":\"Laba Bank Sinarmas Merosot 65,72 Persen, Apa Penyebabnya? - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-04-07T23:13:45+00:00\",\"dateModified\":\"2024-04-07T23:18:55+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=11868#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=11868\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=11868#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Laba Bank Sinarmas Merosot 65,72 Persen, Apa Penyebabnya?\"}]},{\"@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 Bank Sinarmas Merosot 65,72 Persen, Apa Penyebabnya? - 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=11868","og_locale":"en_US","og_type":"article","og_title":"Laba Bank Sinarmas Merosot 65,72 Persen, Apa Penyebabnya? - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Sinarmas Tbk. (BSIM) menorehkan laba bersih Rp75,79 miliar sepanjang 2023. Nilai tersebut turun 65,72% secara tahunan (yoy) dibandingkan laba bersih tahun sebelumnya Rp221,16 miliar.&nbsp; Berdasarkan laporan keuangan yang dipublikasikan, Bank Sinarmas mencatatkan pendapatan bunga bersih (net interest income\/NII) yang meningkat, meskipun tipis 3,1% yoy menjadi Rp2,66 triliun pada 2023.&nbsp; Namun, penyusutan [&hellip;]","og_url":"https:\/\/businessupdate.id\/?p=11868","og_site_name":"Businessupdate.id","article_publisher":"https:\/\/www.facebook.com\/profile.php?id=100088795961927","article_published_time":"2024-04-07T23:13:45+00:00","article_modified_time":"2024-04-07T23:18:55+00:00","og_image":[{"width":1250,"height":753,"url":"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/04\/Bank-Sinarmas.jpg","type":"image\/jpeg"}],"author":"Premieri A","twitter_card":"summary_large_image","twitter_creator":"@EnterpriseMse","twitter_site":"@EnterpriseMse","twitter_misc":{"Written by":"Premieri A","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/businessupdate.id\/?p=11868","url":"https:\/\/businessupdate.id\/?p=11868","name":"Laba Bank Sinarmas Merosot 65,72 Persen, Apa Penyebabnya? - Businessupdate.id","isPartOf":{"@id":"https:\/\/businessupdate.id\/#website"},"datePublished":"2024-04-07T23:13:45+00:00","dateModified":"2024-04-07T23:18:55+00:00","author":{"@id":"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e"},"breadcrumb":{"@id":"https:\/\/businessupdate.id\/?p=11868#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/businessupdate.id\/?p=11868"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/businessupdate.id\/?p=11868#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/businessupdate.id\/"},{"@type":"ListItem","position":2,"name":"Laba Bank Sinarmas Merosot 65,72 Persen, Apa Penyebabnya?"}]},{"@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"}]}},"_links":{"self":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/11868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11868"}],"version-history":[{"count":1,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/11868\/revisions"}],"predecessor-version":[{"id":11869,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/11868\/revisions\/11869"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/media\/11870"}],"wp:attachment":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}