{"id":542127,"date":"2023-02-21T22:11:08","date_gmt":"2023-02-21T15:11:08","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=542127"},"modified":"2023-02-21T22:11:08","modified_gmt":"2023-02-21T15:11:08","slug":"bank-tabungan-negara-bbtn-catat-laba-bersih-2022-tumbuh-281-persen","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2023\/02\/21\/bank-tabungan-negara-bbtn-catat-laba-bersih-2022-tumbuh-281-persen\/","title":{"rendered":"Bank Tabungan Negara (BBTN): Catat Laba Bersih 2022 Tumbuh 28,1 Persen"},"content":{"rendered":"

(Vibiznews – IDX Stocks) – PT Bank Tabungan Negara Tbk dengan kode saham BBTN mengalami penurunan kinerja pada Q4 2022.<\/p>\n

Laba bersih turun 10,5% menjadi Rp770 miliar dibandingkan Rp861 miliar pada Q4 2021.<\/p>\n

Pendapatan bunga dan syariah turun 4,5%, sedangkan beban bunga dan syariah justru naik 17,1% sehingga pendapatan bunga dan syariah bersih (Net Interest Income atau NII) turun 18,5%.<\/p>\n

Dibandingkan dengan Q3 2022 (QoQ), NII BBTN turun 4,8% sehingga laba bersih turun 4,2%.<\/p>\n

Namun, secara kumulatif selama 2022 (FY22) laba bersih BBTN tumbuh 28,1% menjadi Rp3 triliun dibandingkan Rp2,4 triliun pada FY21.<\/p>\n

Pendapatan bunga dan syariah tumbuh moderat 0,4%, tetapi beban bunga dan syariah turun 14,8% sehingga NII naik 15,4% menjadi Rp15 triliun. Di sisi lain, beban provisi (CKPN) naik 10,7% menjadi Rp4 triliun.<\/p>\n

Dari segi operasional, total kredit dan pembiayaan disalurkan meningkat 8,5% YoY menjadi Rp298 triliun. Total dana pihak ketiga juga naik 8,8% YoY menjadi Rp322 triliun, terutama didukung giro (current account) yang naik 44% YoY.<\/p>\n

Dibandingkan 2021, Net Interest Margin (NIM) naik dari 3,99% menjadi 4,40%. Kualitas aset membaik, dimana gross Non-Performing Loan (NPL) turun dari 3,70% menjadi 3,38%, meskipun net NPL naik dari 1,2% menjadi 1,32%.<\/p>\n

Untuk tahun 2023, manajemen menargetkan pertumbuhan kredit sebesar 10-11% dan penurunan gross NPL ke level di bawah 3%.<\/p>\n

Pencapaian laba bersih BBTN pada FY22 melebihi (mencapai 105%) dari estimasi laba bersih consensus analis sebesar Rp2,9 triliun.<\/p>\n

Selasti Panjaitan\/Vibiznews\/Head of Wealth Planning<\/em><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

(Vibiznews – IDX Stocks) – PT Bank Tabungan Negara Tbk dengan kode saham BBTN mengalami penurunan kinerja pada Q4 2022. Laba bersih turun 10,5% menjadi Rp770 miliar dibandingkan Rp861 miliar pada Q4 2021. Pendapatan bunga dan syariah turun 4,5%, sedangkan beban bunga dan syariah justru naik 17,1% sehingga pendapatan bunga dan syariah bersih (Net Interest […]<\/p>\n","protected":false},"author":15,"featured_media":542128,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[19,9959],"tags":[],"class_list":["post-542127","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-idx-stock","category-news-idx-stock"],"yoast_head":"\nBank Tabungan Negara (BBTN): Catat Laba Bersih 2022 Tumbuh 28,1 Persen - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"PT Bank Tabungan Negara Tbk dengan kode saham BBTN mengalami penurunan kinerja pada Q4 2022.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2023\/02\/21\/bank-tabungan-negara-bbtn-catat-laba-bersih-2022-tumbuh-281-persen\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Tabungan Negara (BBTN): Catat Laba Bersih 2022 Tumbuh 28,1 Persen - 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