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Kinerja Keuangan

 NERACA

Dalam Ribuan Rupiah

31-Des-22

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31-Des-21

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31-Des-20

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31-Des-19

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31-Des-18

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31-Des-17

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Kas  6.637.634  4.764.067 3.061.109 3.170.655  3.293.592  3.101.494
Giro pada Bank Indonesia  127.072.728  76.591.775 67.073.322 108.364.185  67.111.096  21.298.807
Giro pada Bank Lain  90.975.85  29.158.048 29.225.699 19.980.859  30.633.507  9.011.649
Penempatan pada BI dan Bank lain  1.233.113.666  1.778.833.791 1.619.714.916 1.132.047.698  244.944.510  259.891.717
Efek-efek  719.974.646  677.624.499 367.139.054 101.434.381  88.654.865  104.859.341
Kredit - net  2.109.582.152  2.242.889.248 1.624.103.817 1.891.376.468  1.286.156.939  324.816.565
Aset Tetap - bersih 10.626.785 12.150.489 14.212.338 14.358.373  11.580.407  9.506.305
Aset Tak Berwujud - bersih 3.362.579  4.390.775 266.196 320.975  403.348  584.821
Aset Pajak Tangguhan - bersih 79.317.220 31.023.803 26.130.953 40.951.330  16.289.207  7.942.174
Aset Lain-lain - bersih 114.502.397 251.242.786 105.335.004 140.510.544  107.454.653  105.134.382
             
Jumlah Aset  4.505.045.609 5.203.044.896 4.057.988.610 3.452.515.471  1.856.522.124  846.147.255
             
Simpanan - Dana Pihak Ketiga 1.006.305.923 3.179.598.306 2.294.835.437 1.831.162.119  1.096.323.953  358.035.762
Simpanan dari Bank Lain 259.202.503  839.695.777 632.844.488 457.836.332  17.100.000  -
Pinjaman yang Diterima - - - -  214.428.571  -
Utang Pajak 2.635.299 5.140.058 4.448.295 23.917.352  13.447.924  582.782
Beban yang Masih Harus Dibayar dan Liabilitas Lain-lain 47.003.840 98.500.177 48.007.464 53.208.688  24.453.722  5.694.267
Liabilitas Imbalan Pasca Kerja 13.698.634 13.526.342 10.822.149 7.982.933  4.865.841  3.134.134
             
Modal Saham       2.025.377.511 1,029.267.500 1,029,267.500 1.029.267.500  500.000.000  500.000.000
Dana Setoran Modal 1.272.660.640 - - - - -
Penghasilan Komprehensif Lain 2.568.600 1.207.588 5.767.139 5.254.871  7.066.779  2.022.030
Saldo Laba Defisit         -119.270.141 36.111.148 31.996.135 54.395.416  7.031.108  23.321.720
             
Jumlah Liabilitas & Ekuitas 4.505.045.609 5.203.044.896 4.057.988.610 3.452.515.471  1.856.522.124  846.147.255
             

LABA RUGI

Dalam Ribuan Rupiah

31-Des-22

Audited

31-Des-21

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31-Des-20

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31-Des-19

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31-Des-18

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31-Des-17

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Pendapatan Bunga 774.702.803 702.233.509 652.085.587 651.966.836  306.949.126  85.270.998
Beban Bunga 118.997.904 220.007.167 189.137.670 145.814.027  72.057.619  12.578.977
Pendapatan Bunga - Bersih 655.704.899 482.226.342 462.947.917 506.152.808  234.891.507  72.692.021
Pendapatan Operasional Lainnya 266.400.513 202.243.677 173.471.900 127.695.559  49.347.437  21.926.651
Jumlah Pendapatan Operasional          922.105.412 684.470.019 636.419.818 633.848.368 284.238.944 94.618.671
             
Jumlah Beban Kerugian Penurunan Nilai          631.741.247 300.968.486 339.100.877 339.315.460  158.487.749  30.915.566
Beban tenaga kerja 187.342.113 172.363.031 145.001.961 118.683.911  58.773.479  27.252.446
Beban umum dan administrasi 304.649.200 204.095.935 123.035.404 91.221.027  42.819.228  26.583.045
             
Rugi/Laba Operasional -201.627.148 7.042.567 29.281.574 84.627.968  24.158.488  9.867.615
             
Beban Non-Operasional - Bersih 983.044 6.228.024 3.175.659 3.121.106  1.898.225  4.577.494
             
Rugi/Laba Sebelum Beban Pajak -202.610.192 814.543 26.105.915 81.506.861  22.260.263  5.290.121
             
RASIO BANK

31-Des-22

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31-Des-21

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31-Des-20

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31-Des-19

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31-Des-18

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31-Des-17

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Imbal hasil atas aset ROA -4,75% 0,02% 0,74% 2,99% 1,59% 0,79%
Imbal hasil atas ekuitas ROE -8,40% 0,40% 0,81% 7,45% 3,45% 0,87%
Marjin Bunga Bersih NIM 15,87% 11,80% 13,52% 19,30% 18,02% 12,67%
BOPO Biaya Operasi / Pendapatan Operasional  119,36% 99,76% 96,73% 89,44 93,69% 98,48%
Rasio Kecukupan Modal CAR 82,52% 29,85% 45,40% 55,64% 42,43% 84,86%
Rasio Pinjaman terhadap Simpanan LDR 220,31% 74,70% 74,32% 112,86% 132,46% 95,65%
Rasio Kecukupan Likuiditas LCR

2783,70%

1906,20% 1188,16% 815,75% 587,71% 2979,53%
Rasio Pendanaan Stabil Bersih NSFR 157,20% 153,10% 127,40% 117,83% 136,81% 256,28%