{"id":14207,"date":"2024-08-28T07:06:42","date_gmt":"2024-08-28T00:06:42","guid":{"rendered":"https:\/\/businessupdate.id\/?p=14207"},"modified":"2024-08-28T07:06:46","modified_gmt":"2024-08-28T00:06:46","slug":"laba-bersih-bank-raya-pada-kuartal-ii-2024-melonjak-1159-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=14207","title":{"rendered":"Laba Bersih Bank Raya pada Kuartal II\/2024 Melonjak 115,9 Persen"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Raya Indonesia Tbk (AGRO) atau Bank Raya, bank digital bagian dari BRI Group, telah menyalurkan total kredit sebesar Rp6,8 triliun pada kuartal II\/2024. Angka ini naik 12,1% secara tahunan (yoy).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Utama Bank Raya Ida Bagus Ketut Subagia menuturkan dalam <em>public expose<\/em> di Jakarta, bahwa peningkatan kinerja tersebut merupakan dampak dari berbagai inovasi dan kolaborasi yang dilakukan oleh perseroan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cDengan adanya permintaan pasar yang tinggi terhadap produk perbankan digital, Bank Raya melihat kesempatan untuk berinovasi dengan semakin luas. Maka kolaborasi menjadi pendongkrak untuk pertumbuhan bisnis kami, agar semakin banyak masyarakat yang dapat memanfaatkan produk digital Bank Raya,\u201d kata Ida bagus, Selasa (27\/8\/2024).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peningkatan total kredit ini menyebabkan pertumbuhan total aset 9% yoy menjadi Rp13,1 triliun. Bagus menegaskan, perseroan terus memperkuat bisnis digital yang&nbsp; ditunjukkan dengan disbursement kredit digital selama kuartal II\/2024 yang mencapai Rp8,1 triliun, atau naik 60,3% yoy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hal tersebut pun mendorong pertumbuhan outstanding kredit digital perseroan secara signifikan mencapai 81,5% yoy dengan nilai Rp1,5 triliun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia mengatakan bahwa perseroan juga berhasil memperbaiki rasio kredit macet bruto (<em>non-performing loan<\/em>\/NPL gross) menjadi 4,14% pada kuartal II tahun ini dari 4,35% pada periode yang sama tahun sebelumnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Namun, rasio NPL nett justru meningkat dari 1,75% pada kuartal II\/2023 menjadi 1,8% pada periode yang sama tahun ini. Seiring dengan pertumbuhan kredit tersebut, jumlah Dana Pihak Ketiga (DPK) yang dihimpun perseroan pun tumbuh mencapai 5,7% yoy menjadi Rp8,7 triliun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pertumbuhan tersebut ditopang oleh <em>digital saving<\/em> yang tumbuh sebesar 22,3% yoy menjadi Rp891,6 miliar serta volume transaksi yang tumbuh sebesar 12,5% yoy menjadi Rp1,6 triliun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berkat kinerja positif tersebut, Bagus menyatakan bahwa pihaknya dapat membukukan laba bersih pada kuartal II\/2O24 sebesar Rp20 miliar dengan kenaikan 115,9% yoy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pertumbuhan tersebut semakin memperkokoh likuiditas perseroan yang tercermin dari rasio pinjaman terhadap deposit (<em>Loan to Deposit Ratio<\/em>\/LDR) yang tercatat sebesar 78,25%, meningkat dari 73,77% pada kuartal II\/2023.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perseroan juga masih memiliki permodalan yang kuat, terlihat dari rasio kecukupan modal (<em>Capital Adequacy Ratio<\/em>\/CAR) yang mencapai 40,84%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKami berharap, Bank Raya dapat terus memberikan dampak positif terhadap peningkatan inklusi keuangan di Indonesia, memudahkan transaksi harian nasabah, dan membantu lebih banyak pelaku usaha untuk terus maju dan produktif,\u201d tutup Bagus. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Raya Indonesia Tbk (AGRO) atau Bank Raya, bank digital bagian dari BRI Group, telah menyalurkan total kredit sebesar Rp6,8 triliun pada kuartal II\/2024. Angka ini naik 12,1% secara tahunan (yoy). Direktur Utama Bank Raya Ida Bagus Ketut Subagia menuturkan dalam public expose di Jakarta, bahwa peningkatan kinerja tersebut merupakan dampak dari [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":12163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,1370,103,276,325,765,553,538],"class_list":["post-14207","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank","tag-bersih","tag-bri","tag-digital","tag-indonesia","tag-kredit","tag-laba","tag-raya"],"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 Raya pada Kuartal II\/2024 Melonjak 115,9 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=14207\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Laba Bersih Bank Raya pada Kuartal II\/2024 Melonjak 115,9 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Raya Indonesia Tbk (AGRO) atau Bank Raya, bank digital bagian dari BRI Group, telah menyalurkan total kredit sebesar Rp6,8 triliun pada kuartal II\/2024. Angka ini naik 12,1% secara tahunan (yoy). 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