{"id":20457,"date":"2025-08-20T10:49:35","date_gmt":"2025-08-20T03:49:35","guid":{"rendered":"https:\/\/businessupdate.id\/?p=20457"},"modified":"2025-08-20T10:49:42","modified_gmt":"2025-08-20T03:49:42","slug":"laba-bank-sumut-semester-i-2025-naik-tipis-menjadi-rp35220-miliar","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=20457","title":{"rendered":"Laba Bank Sumut Semester I\/2025 Naik Tipis Menjadi Rp352,20 Miliar"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> PT Bank Pembangunan Daerah Sumatera Utara (Bank Sumut) membukukan laba bersih Rp352,20 miliar pada semester I\/2025, naik 0,16% secara tahunan (yoy) dibandingkan periode sama tahun lalu sebesar Rp351,62 miliar. <\/p>\n\n\n\n<p>Dari laporan keuangan yang dipublikasikan di media massa pada Rabu (20\/8\/2025), pertumbuhan laba sejalan dengan meningkatnya pendapatan bunga bersih yang mencapai Rp1,28 triliun pada semester I\/2025, meningkat 9,33% dari Rp1,17 triliun pada periode sama tahun sebelumnya. <\/p>\n\n\n\n<p>Pendapatan bunga Bank Sumut sebesar Rp2,57 triliun atau naik 15,26% secara tahunan (yoy) dari Rp2,23 triliun. Namun, beban bunga juga naik 21,84% menjadi Rp1,29 triliun, dari sebelumnya Rp1,06 triliun. <\/p>\n\n\n\n<p>Adapun, penyaluran kredit naik 7,73% yoy menjadi Rp29,09 triliun, dibandingkan Rp27 triliun pada semester I\/2024. Dari sisi penghimpunan dana, Bank Sumut mencatat dana pihak ketiga (DPK) sebesar Rp32,93 triliun, turun 3,33% dari Rp34,07 triliun pada semester I\/2024. <\/p>\n\n\n\n<p>Sementara dana murah (CASA) tercatat naik 1,13% menjadi Rp19,65 triliun dari Rp19,43 triliun. Secara total, aset Bank Sumut tumbuh 8,03% yoy menjadi Rp45,32 triliun pada semester I\/2025, dibandingkan Rp41,95 triliun pada periode yang sama tahun lalu. <\/p>\n\n\n\n<p>Bank Sumut juga menjabarkan kinerja rasio keuangan semester I\/2025. Kewajiban Penyediaan Modal Minimum (KPMM) tercatat sebesar 20,4% pada Juni 2025. <\/p>\n\n\n\n<p>Sementara itu, rasio aset produktif bermasalah terhadap total aset produktif dan aset non-produktif turun dari 2,04% menjadi 1,86%, sedangkan aset produktif bermasalah terhadap total aset produktif menurun dari 2,03% menjadi 1,86%. <\/p>\n\n\n\n<p>Lalu Bank Sumut mencatatkan rasio cadangan kerugian penurunan nilai (CKPN) terhadap aset produktif sebesar 1,74%. Rasio NPL gross tercatat 2,43% dan NPL net 0,90%, lebih rendah dibandingkan Juni 2024 masing-masing sebesar 2,55% dan 1,14%, menandakan kualitas kredit yang lebih baik. <\/p>\n\n\n\n<p>Dari sisi profitabilitas, <em>Return on Asset<\/em> (ROA) berada di level 2,04% dan <em>Return on Equity<\/em> (ROE) 16,17%, sedikit menurun dibandingkan periode sebelumnya. <em>Net Interest Margin<\/em> (NIM) meningkat tipis menjadi 6,51% dari 6,46%. <\/p>\n\n\n\n<p>Di sisi efisiensi, Beban Operasional terhadap Pendapatan Operasional (BOPO) meningkat menjadi 78,13% dari 75,83%, sementara <em>Cost to Income Ratio<\/em> (CIR) naik menjadi 60,80% dari 57,66%. <em>Loan to Deposit Ratio<\/em> (LDR) tercatat 85,38%, lebih rendah dibandingkan 87,03% pada Juni 2024. (rn\/jh. Foto: Dok. Bank Sumut)<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Pembangunan Daerah Sumatera Utara (Bank Sumut) membukukan laba bersih Rp352,20 miliar pada semester I\/2025, naik 0,16% secara tahunan (yoy) dibandingkan periode sama tahun lalu sebesar Rp351,62 miliar. Dari laporan keuangan yang dipublikasikan di media massa pada Rabu (20\/8\/2025), pertumbuhan laba sejalan dengan meningkatnya pendapatan bunga bersih yang mencapai Rp1,28 triliun pada [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":20458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,82],"tags":[426,724,2251,723,553,9996,6069,1037],"class_list":{"0":"post-20457","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-bumd","9":"tag-bank","10":"tag-bpd","11":"tag-bumd","12":"tag-daerah","13":"tag-laba","14":"tag-sumetera","15":"tag-sumut","16":"tag-utara"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Laba Bank Sumut Semester I\/2025 Naik Tipis Menjadi Rp352,20 Miliar - 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=20457\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Laba Bank Sumut Semester I\/2025 Naik Tipis Menjadi Rp352,20 Miliar - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Pembangunan Daerah Sumatera Utara (Bank Sumut) membukukan laba bersih Rp352,20 miliar pada semester I\/2025, naik 0,16% secara tahunan (yoy) dibandingkan periode sama tahun lalu sebesar Rp351,62 miliar. Dari laporan keuangan yang dipublikasikan di media massa pada Rabu (20\/8\/2025), pertumbuhan laba sejalan dengan meningkatnya pendapatan bunga bersih yang mencapai Rp1,28 triliun pada [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=20457\" \/>\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=\"2025-08-20T03:49:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-20T03:49:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2025\/08\/bank_sumut_-e1755661755171.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"623\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\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=\"Rahman N\" \/>\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=20457\",\"url\":\"https:\/\/businessupdate.id\/?p=20457\",\"name\":\"Laba Bank Sumut Semester I\/2025 Naik Tipis Menjadi Rp352,20 Miliar - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2025-08-20T03:49:35+00:00\",\"dateModified\":\"2025-08-20T03:49:42+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=20457#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=20457\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=20457#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Laba Bank Sumut Semester I\/2025 Naik Tipis Menjadi Rp352,20 Miliar\"}]},{\"@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\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Laba Bank Sumut Semester I\/2025 Naik Tipis Menjadi Rp352,20 Miliar - 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=20457","og_locale":"en_US","og_type":"article","og_title":"Laba Bank Sumut Semester I\/2025 Naik Tipis Menjadi Rp352,20 Miliar - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Pembangunan Daerah Sumatera Utara (Bank Sumut) membukukan laba bersih Rp352,20 miliar pada semester I\/2025, naik 0,16% secara tahunan (yoy) dibandingkan periode sama tahun lalu sebesar Rp351,62 miliar. 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