{"id":4953,"date":"2023-02-28T11:57:56","date_gmt":"2023-02-28T04:57:56","guid":{"rendered":"https:\/\/businessupdate.id\/?p=4953"},"modified":"2023-02-28T11:57:58","modified_gmt":"2023-02-28T04:57:58","slug":"laba-bersih-bank-btpn-sepanjang-2022-tumbuh-20","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=4953","title":{"rendered":"Laba Bersih Bank BTPN Sepanjang 2022 Tumbuh 20%"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> Laba bersih PT Bank BTPN Tbk. (BTPN) sepanjang 2022 mencapai Rp2,18 triliun atau tumbuh 20% secara tahunan (<em>year-on-year<\/em>\/yoy) dari posisi sebelumnya sebesar Rp1,81 triliun pada Desember 2021.&nbsp;<\/p>\n\n\n\n<p>Berdasarkan laporan keuangan perseroan yang dipublikasikan pada Selasa (28\/2\/2023), pertumbuhan laba itu dibarengi dengan pendapatan bunga yang naik 4% yoy menjadi Rp10,52 triliun.&nbsp;<\/p>\n\n\n\n<p>Sayangnya, beban bunga juga mengalami kenaikan sebesar 21% menjadi Rp3,87 triliun. Alhasil, pendapatan bunga bersih (<em>net interest income<\/em>\/NII) juga terkoreksi 3% menjadi 6,65 triliun pada Desember 2022 dari Rp6,86 triliun pada Desember 2021.&nbsp;<\/p>\n\n\n\n<p>Di samping itu, BTPN juga mencatatkan kerugian penurunan nilai aset atau <em>impairment<\/em> yang naik 19% menjadi Rp1,65 triliun pada Desember 2022 dari posisi pada periode yang sama di tahun sebelumnya yakni Rp1,38 triliun.&nbsp;<\/p>\n\n\n\n<p>Dari sisi kredit, sepanjang 2022 bank tercatat telah menyalurkan kredit mencapai Rp134,59 triliun. Angka tersebut naik 8% secara yoy bila dibandingkan pada tahun sebelumnya sebesar Rp125,15 triliun.&nbsp;<\/p>\n\n\n\n<p>Adapun, dari sisi kualitas aset juga bank mencatatkan perbaikan. Rasio kredit macet (<em>non-performing loan<\/em>\/NPL) <em>gross<\/em> BTPN tercatat menurun 31 basis poin (bps) menjadi 1,32% dari 1,63% pada Desember 2021.&nbsp;<\/p>\n\n\n\n<p>Kinerja positif <em>bottom line<\/em> BTPN juga tercermin dari rasio profitabilitas perusahaan. Tingkat pengembalian aset (<em>return on asset<\/em>\/ROA) tercatat naik 21 bps menjadi 1,52% dan tingkat pengembalian ekuitas (<em>return on equity<\/em>\/ROE) naik 82 bps menjadi 7,63%.&nbsp;<\/p>\n\n\n\n<p>Dilihat dari sisi efisiensi, rasio beban operasional terhadap pendapatan operasional (BOPO) juga berhasil ditekan sebesar 106 bps menjadi 80,02% pada Desember 2022 dari 81,08 pada Desember 2021.&nbsp;<\/p>\n\n\n\n<p>Dari sisi liabilitas perusahaan, BTPN juga mencatatkan pertumbuhan penghimpunan dana pihak ketiga (DPK) sebesar 4% secara yoy menjadi Rp102,81 triliun sepanjang 2022.&nbsp;<\/p>\n\n\n\n<p>Adapun, pertumbuhan DPK tersebut utamanya didorong oleh pertumbuhan tabungan yang tumbuh kencang mencapai 46% menjadi Rp13,45 triliun pada 2022 dari posisi sebelumnya Rp9,19 triliun pada 2021.\u00a0<\/p>\n\n\n\n<p>Dana murah atau <em>current account saving account<\/em> (CASA) perseroan juga tercatat mengalami pertumbuhan sebesar 6% menjadi Rp37,19 triliun pada Desember 2022 dari Rp35,07 triliun pada Desember 2021. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Laba bersih PT Bank BTPN Tbk. (BTPN) sepanjang 2022 mencapai Rp2,18 triliun atau tumbuh 20% secara tahunan (year-on-year\/yoy) dari posisi sebelumnya sebesar Rp1,81 triliun pada Desember 2021.&nbsp; Berdasarkan laporan keuangan perseroan yang dipublikasikan pada Selasa (28\/2\/2023), pertumbuhan laba itu dibarengi dengan pendapatan bunga yang naik 4% yoy menjadi Rp10,52 triliun.&nbsp; Sayangnya, beban bunga [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":4954,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,83],"tags":[426,1370,1381,377,553,1161],"class_list":{"0":"post-4953","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-bums","9":"tag-bank","10":"tag-bersih","11":"tag-btpn","12":"tag-keuangan","13":"tag-laba","14":"tag-laporan"},"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 BTPN Sepanjang 2022 Tumbuh 20% - 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=4953\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Laba Bersih Bank BTPN Sepanjang 2022 Tumbuh 20% - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Laba bersih PT Bank BTPN Tbk. 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