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Turun 24%, Laba Bersih BTPN Syariah Capai Rp1 Triliun per September 2023 | Databoks Home Turun 24%, Laba Bersih BTPN Syariah Capai Rp1 Triliun per September 2023 Turun 24%, Laba Bersih BTPN Syariah Capai Rp1 Triliun per September 2023 Pendapatan* dan Laba Bersih Laporan Keuangan Konsolidasi BTPN Syariah (September 2022-September 2023) Sumber : BTPN Syariah, 18 Oktober 2023
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Penulis: Erlina F. Santika
Editor: Erlina F. Santika
20/10/2023, 15.20 WIB
PT Bank BTPN Syariah Tbk (BTPS) mencatatkan laba bersih sebesar Rp1 triliun hingga September 2023 atau kuartal III 2023. Capaian laba bersih emiten bank syariah ini turun 24% dibanding periode yang sama tahun sebelumnya (year-on-year/yoy ) yang mencapai Rp1,32 triliun pada kuartal III 2022.
Adapun pos pendapatan setelah distribusi bagi hasil tercatat sebesar Rp3,94 triliun pada kuartal III 2023, naik dari sebelumnya yang sebesar Rp3,70 pada kuartal III 2022.
Melansir Katadata , Fachmy Achmad, Direktur Keuangan BTPN Syariah menjelaskan, penurunan laba bersih ini disebabkan meningkatnya biaya pencadangan 89% secara tahunan.
"Pencadangan yang meningkat sejalan dengan kondisi yang masih menantang di segmen yang kita layani (ultra mikro)," kata Fachmy, kepada media di Jakarta, Rabu (18/10/2023).
(Baca juga: Pembiayaan Syariah Terus Bertambah, Tembus Rp507 Triliun per April 2023 )
Sampai September 2023 ini, BTPN Syariah juga tercatat menyalurkan pembiayaan Rp11,93 triliun. Angka ini mengalami kenaikan 5% dibanding periode sama di tahun sebelumnya Rp11,34 triliun.
Total aset BTPN Syariah terbukukan sebesar Rp21,96 triliun pada September 2023, naik 7% dari yang sebesar Rp20,57 triliun pada September 2022.
Fachmy melanjutkan, kondisi yang menantang tersebut berimbas terhadap kualitas aset. Ini terlihat dari naiknya gross rasio pembiayaan bermasalah atau Non-Performing Financing (NPF) menjadi 3% dibanding periode kuartal ketiga tahun sebelumnya yang sebesar 2,4%.
Sementara itu rasio NPF bersih naik menjadi 0,7% dari sebelumnya 0,1%. Namun, BTPS tetap menjaga rasio permodalan yang cukup kuat di level 49,7% per September tahun ini dengan return of asset (RoA) di level 7,8%.
"Kita berusaha menjaga semua rasio tetap kuat di atas rata-rata industri," tuturnya.
(Baca juga: Aspek Spiritualitas Jadi Alasan Utama Masyarakat RI Menggunakan Produk Keuangan Syariah )
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