{"id":27716,"date":"2026-10-05T11:03:03","date_gmt":"2026-10-05T04:03:03","guid":{"rendered":"https:\/\/businessupdate.id\/?p=27716"},"modified":"2026-10-05T11:03:06","modified_gmt":"2026-10-05T04:03:06","slug":"hingga-agustus-2026-laba-bsi-capai-rp530-triliun-naik-1007-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=27716","title":{"rendered":"Hingga Agustus 2026 Laba BSI Capai Rp5,30 Triliun Naik 10,07 Persen"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Syariah Indonesia (Persero) Tbk atau BSI mencatat laba hingga Agustus 2026 sebesar Rp5,30 triliun, meningkat 10,07% secara tahunan (yoy). Hal ini ditopang ekspansi bisnis, penguatan dana murah, akselerasi pembiayaan, serta kontribusi bisnis emas dan <em>fee based income<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Utama BSI Anggoro Eko Cahyo mengatakan, kinerja hingga periode tersebut menunjukkan transformasi bisnis BSI mulai menghasilkan pertumbuhan yang semakin seimbang, baik dari sisi pendanaan <em>(funding<\/em>), pembiayaan (<em>financing<\/em>), maupun <em>non-financing income<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKami melihat fundamental BSI semakin kuat. Pertumbuhan laba dua digit berjalan beriringan dengan penguatan CASA, pertumbuhan pembiayaan yang lebih tinggi, penurunan cost of fund, serta akselerasi fee based income. Ini menunjukkan mesin pertumbuhan BSI semakin terdiversifikasi dan memiliki ruang untuk terus berkembang,\u201d kata Anggoro dalam keterangannya di Jakarta, Senin (5\/10\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari sisi <em>funding<\/em>, dana pihak ketiga (DPK) BSI tumbuh 17,71% yoy menjadi Rp389 triliun, dengan dana murah (CASA) mencapai Rp246 triliun. Penguatan CASA terutama ditopang pertumbuhan tabungan yang mencapai Rp171 triliun, memperkokoh struktur pendanaan sekaligus meningkatkan efisiensi biaya dana perseroan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Efisiensi tersebut tercermin dari <em>cost of fund <\/em>(CoF) yang turun 37 basis poin (bps) dibanding posisi tahun lalu (yoy) menjadi 2,30%. Menurut perseroan, penurunan CoF memberikan ruang bagi BSI untuk menjaga daya saing pembiayaan sekaligus mempertahankan profitabilitas di tengah dinamika industri perbankan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara pada sisi intermediasi, pembiayaan BSI tumbuh lebih agresif yakni sebesar 16,21% yoy mencapai Rp344 triliun hingga Agustus 2026. Pertumbuhan ini menunjukkan kemampuan dalam mengoptimalkan likuiditas untuk mendorong ekspansi bisnis secara produktif dengan tetap memperhatikan kualitas pembiayaan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meski tumbuh tinggi, perseroan menyampaikan pembiayaan ini dilakukan dengan penjagaan kualitas yang baik yang ditandai dengan <em>non-performing financing<\/em> (gross) sebesar 1,8%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adapun <em>fee based income<\/em> (FBI) tumbuh sebesar 36,27% menjadi Rp5,6 triliun, dengan peningkatan kontribusi terutama berasal dari bisnis treasury dan emas. Penguatan ini, turut mendorong <em>fee based ratio<\/em> BSI menjadi 23,07% yang mencerminkan semakin beragamnya sumber pendapatan perseroan di luar bisnis pembiayaan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Secara keseluruhan, perseroan menyampaikan kinerja tersebut memperlihatkan bahwa pertumbuhan tidak hanya bertumpu pada ekspansi aset, tetapi juga pada penguatan struktur pendanaan dan peningkatan kualitas mesin bisnis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hal ini didukung beberapa faktor yang menjadikan bisnis tetap kuat di tengah kondisi menantang meliputi manajemen risiko yang tepat, monitoring pembiayaan yang ketat, serta penguatan aspek <em>good corporate governance<\/em> (GCG)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memasuki akhir kuartal III dan kuartal IV 2026, BSI menyatakan akan terus memperkuat sumber dana murah yang menjadi salah satu keunggulan bisnis perseroan. Dalam hal ini, salah satunya melalui pengembangan ekosistem haji dan umrah, sekaligus memperluas pembiayaan ritel dan konsumer berbasis underlying yang memiliki karakteristik bisnis yang resilient.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain itu, perseroan akan terus mendorong pertumbuhan bisnis ekosistem syariah dan emas, memperkuat transaksi dan layanan berbasis digital, serta menjaga kualitas pembiayaan sebagai bagian dari strategi pertumbuhan yang berkelanjutan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKe depan, fokus kami bukan hanya tumbuh lebih besar, tetapi memastikan pertumbuhan tersebut menghasilkan kualitas dan profitabilitas yang semakin kuat. Kami optimistis kinerja kuartal III dan hingga akhir tahun tetap berada di jalur yang telah ditetapkan,\u201d tutup Anggoro. (rn\/jh. Foto: Dok. BSI)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Syariah Indonesia (Persero) Tbk atau BSI mencatat laba hingga Agustus 2026 sebesar Rp5,30 triliun, meningkat 10,07% secara tahunan (yoy). Hal ini ditopang ekspansi bisnis, penguatan dana murah, akselerasi pembiayaan, serta kontribusi bisnis emas dan fee based income. Direktur Utama BSI Anggoro Eko Cahyo mengatakan, kinerja hingga periode tersebut menunjukkan transformasi bisnis [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":12069,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[13068,1693,377,1775,553],"class_list":["post-27716","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank-syarih-indonesia","tag-bsi","tag-keuangan","tag-kinerja","tag-laba"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hingga Agustus 2026 Laba BSI Capai Rp5,30 Triliun Naik 10,07 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=27716\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hingga Agustus 2026 Laba BSI Capai Rp5,30 Triliun Naik 10,07 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Syariah Indonesia (Persero) Tbk atau BSI mencatat laba hingga Agustus 2026 sebesar Rp5,30 triliun, meningkat 10,07% secara tahunan (yoy). Hal ini ditopang ekspansi bisnis, penguatan dana murah, akselerasi pembiayaan, serta kontribusi bisnis emas dan fee based income. Direktur Utama BSI Anggoro Eko Cahyo mengatakan, kinerja hingga periode tersebut menunjukkan transformasi bisnis [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=27716\" \/>\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=\"2026-10-05T04:03:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-05T04:03:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/04\/BSI-Layanan-Emas-e1713668899171.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1300\" \/>\n\t<meta property=\"og:image:height\" content=\"773\" \/>\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=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=27716\",\"url\":\"https:\/\/businessupdate.id\/?p=27716\",\"name\":\"Hingga Agustus 2026 Laba BSI Capai Rp5,30 Triliun Naik 10,07 Persen - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-10-05T04:03:03+00:00\",\"dateModified\":\"2026-10-05T04:03:06+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=27716#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=27716\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=27716#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hingga Agustus 2026 Laba BSI Capai Rp5,30 Triliun Naik 10,07 Persen\"}]},{\"@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":"Hingga Agustus 2026 Laba BSI Capai Rp5,30 Triliun Naik 10,07 Persen - 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=27716","og_locale":"en_US","og_type":"article","og_title":"Hingga Agustus 2026 Laba BSI Capai Rp5,30 Triliun Naik 10,07 Persen - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Syariah Indonesia (Persero) Tbk atau BSI mencatat laba hingga Agustus 2026 sebesar Rp5,30 triliun, meningkat 10,07% secara tahunan (yoy). Hal ini ditopang ekspansi bisnis, penguatan dana murah, akselerasi pembiayaan, serta kontribusi bisnis emas dan fee based income. Direktur Utama BSI Anggoro Eko Cahyo mengatakan, kinerja hingga periode tersebut menunjukkan transformasi bisnis [&hellip;]","og_url":"https:\/\/businessupdate.id\/?p=27716","og_site_name":"Businessupdate.id","article_publisher":"https:\/\/www.facebook.com\/profile.php?id=100088795961927","article_published_time":"2026-10-05T04:03:03+00:00","article_modified_time":"2026-10-05T04:03:06+00:00","og_image":[{"width":1300,"height":773,"url":"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/04\/BSI-Layanan-Emas-e1713668899171.jpeg","type":"image\/jpeg"}],"author":"Rahman N","twitter_card":"summary_large_image","twitter_creator":"@EnterpriseMse","twitter_site":"@EnterpriseMse","twitter_misc":{"Written by":"Rahman N","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/businessupdate.id\/?p=27716","url":"https:\/\/businessupdate.id\/?p=27716","name":"Hingga Agustus 2026 Laba BSI Capai Rp5,30 Triliun Naik 10,07 Persen - Businessupdate.id","isPartOf":{"@id":"https:\/\/businessupdate.id\/#website"},"datePublished":"2026-10-05T04:03:03+00:00","dateModified":"2026-10-05T04:03:06+00:00","author":{"@id":"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f"},"breadcrumb":{"@id":"https:\/\/businessupdate.id\/?p=27716#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/businessupdate.id\/?p=27716"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/businessupdate.id\/?p=27716#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/businessupdate.id\/"},{"@type":"ListItem","position":2,"name":"Hingga Agustus 2026 Laba BSI Capai Rp5,30 Triliun Naik 10,07 Persen"}]},{"@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"}]}},"_links":{"self":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/27716","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\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=27716"}],"version-history":[{"count":1,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/27716\/revisions"}],"predecessor-version":[{"id":27717,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/27716\/revisions\/27717"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/media\/12069"}],"wp:attachment":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27716"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27716"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27716"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}