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Laba Bersih BNI Sentuh Rp15,75 Triliun, Didorong Naiknya Kredit per Kuartal III 2023 | Databoks
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Laba Bersih BNI Sentuh Rp15,75 Triliun, Didorong Naiknya Kredit per Kuartal III 2023

Pendapatan* dan Laba Bersih BNI per Kuartal III (2022-2023)

Sumber : Bank Negara Indonesia (Persero) Tbk, 31 Oktober 2023

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Penulis: Erlina F. Santika

Editor: Erlina F. Santika

7/11/2023, 14.40 WIB

PT Bank Negara Indonesia Tbk (BNI) membukukan laba yang diatribusikan kepada pemilik entitas induk sebesar Rp15,75 triliun pada kuartal III 2023.

Laba bersih itu tumbuh 15,05% dibanding periode yang sama tahun sebelumnya (year-on-year/yoy) yang sebesar Rp13,69 triliun.

Di samping itu, pendapatan bunga bersih mencapai Rp31,13 triliun pada kuartal III 2023. Perolehan itu naik tipis 3,10% (yoy) dari sebelumnya Rp30,19 triliun.

Melansir Katadata, Direktur Utama BNI Royke Tumilaar mengatakan, pencapaian laba ini didukung kinerja kredit yang mengalami akselerasi selama sembilan bulan 2023.

Akselerasi kredit ini membuat BNI mencatatkan pertumbuhan kredit sebesar 7,8% (yoy) menjadi Rp671,4 triliun sampai dengan September 2023. Pertumbuhan kredit didorong oleh ekspansi di segmen berisiko rendah, yaitu korporasi blue chip baik swasta dan BUMN, kredit konsumer, dan perusahaan anak.

"Sebagai dampak dari akselerasi kredit di segmen berisiko rendah, kualitas aset terus membaik yang terlihat dari penurunan rasio Non-Performing Loan (NPL) dan rasio Loan at Risk (LAR)," kata Royke dalam konferensi pers kinerja kuartal tiga 2023, Selasa (31/10).

Dengan begitu rasio NPL per September berada di level 2,3%, membaik dibandingkan dengan periode yang sama tahun lalu sebesar 3%. Serta LAR di level 14,4% yang membaik dibandingkan dengan posisi 19,3% pada September 2022.

Total aset emiten berkode BBNI itu tercatat sebesar Rp1.009 triliun pada kuartal III 2023. Angka ini sebenarnya turun hampir 2% (yoy) dari sebelunnya yang sebesar Rp1.029 triliun.

Kendati begitu, Royke menyebut kualitas aset perusahaan terus membaik sehingga membuat perseroan mengurangi pembentukan beban Cadangan Kerugian Penurunan Nilai (CKPN). Hal ini membuat biaya kredit membaik dari 2% pada September 2022 menjadi 1,4% pada September tahun ini.

Selain itu, di tengah naiknya risiko ekonomi global, BNI berhati-hati membangun likuiditas. Per September 2023, Dana Pihak Ketiga (DPK) tercatat tumbuh 9,1% secara tahunan mencapai Rp 747,6 triliun.

"Adapun tren kenaikan suku bunga acuan yang mempengaruhi biaya bunga dana (Cosf of Fund/COF) memang tengah mengalami tren peningkatan dan fenomena ini terjadi merata di industri perbankan," katanya.

Namun di tengah kondisi tersebut, COF perusahaan saat ini di kisaran 2%, secara struktural masih lebih rendah dibandingkan sebelum pandemi di atas 3%.

Rasio kecukupan permodalan atau Capital Adequacy Ratio (CAR) terus meningkat dari 18,9% pada September 2022 menjadi 21,9% per September 2023. Angka ini jauh di atas persyaratan modal minimum sebesar 13,8%.

(Baca juga: Adu Laba 5 Bank Besar di Indonesia Kuartal III-2023, Siapa Teratas?)

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