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JAKARTA - Bank DKI's performance continues its positive trend. Until the first quarter of 2023, Bank DKI's credit increased by 24.68 percent to IDR 48.37 trillion in March 2023, from IDR 38.80 trillion in the same period in the previous year.

This prompted an increase in Bank DKI assets by 12.38 percent to IDR 79.93 trillion in March 2023, from IDR 71.13 trillion in March 2022. Meanwhile, Bank DKI's net profit rose 17.77 percent to IDR 233.20 billion in March 2023 compared to IDR 198.01 billion in March 2022.

Main Director of Bank DKI, Fidri Arnaldy said that the increase in Bank DKI's performance which continues to grow positively is in line with the business strategy in a stable and potential segment, including a consistent focus on transformation towards digitization.

"Seeing the positive performance developments in the first quarter of 2023, Bank DKI is optimistic that it can achieve the year-end target, in line with the positive trend of national economic recovery with a target of national economic growth in 2023 above 5 percent," said Fidri, through a written statement, quoted Thursday, April 27.

Bank DKI's loan disbursement on a year on year (yoy) basis compared to the first quarter of 2022 has increased in all segments. Starting from retail credit, it grew by 79.38 percent to IDR 1.06 trillion in March 2023 from IDR 595.08 billion in the first quarter of 2022.

Micro credit grew by 54.35 percent to IDR 2.69 trillion in March 2023 from IDR 1.74 trillion in the first quarter of 2022. Consumer credit grew 14.16 percent to IDR 20.54 trillion in March 2023 from IDR 17.99 trillion in the first quarter of 2022 .

Larger-scale loans also grew positively, such as medium-sized loans which grew by 47.14 percent to IDR 1.44 trillion in March 2023 from IDR 981.40 billion in March 2022. Meanwhile, commercial credit grew by 16.51 percent to IDR 16.23 trillion in March 2023 from IDR 13.93 trillion in March 2022.

Syndicated loans grew by 80.07 percent, to IDR 6.39 trillion in March 2023 from IDR 3.55 trillion in March 2022.

Fidri explained that in the credit expansion carried out, Bank DKI always prioritizes the precautionary principle, reflected in the non-performing loan (NPL) ratio of 1.88 percent in March 2023 from the previous 3.05 percent in March 2022.

In addition, Bank DKI also forms reserves conservatively by maintaining a coverage ratio of 225.95 percent, as a measure to mitigate debtor collectibility.

Director of Finance & Strategy of Bank DKI, Romy Wijayanto then detailed the net profit growth to IDR 233.20 billion, driven by an increase in interest income which rose by 17.17 percent to IDR 1.31 trillion in March 2023 from IDR 1.12 trillion in March 2022.

This increase was driven by an increase in interest income from credit expansion and financing as well as maximizing the Bank's productive assets in various financial instruments such as securities and placements with Bank Indonesia or other banks.

In addition, fee-based income increased by 28.12 percent to IDR 149.15 billion in March 2023 from IDR 116.42 billion in the same period last year.

The performance of third party funds (DPK) also grew 16.27 percent to IDR 67.13 trillion in March 2023 from IDR 57.74 trillion in March 2022. The loan to deposit ratio (LDR) increased significantly to 72.06 percent in March 2023 from 66, 29 percent in the same period the previous year.

Meanwhile, other ratios continued to grow positively and were well maintained compared to the first quarter of 2022. ROE was maintained at 9.73 percent, up from 8.52 percent, ROA to 1.53 percent, up from 1.48 percent, and BOPO was maintained at 78 percent. 24 percent which is the same as the previous year's period.

The performance of Bank DKI's Sharia Business Unit also showed adequate growth until March 2023. Distribution of sharia financing grew 12.56 percent to IDR 7.15 trillion in March 2023, from IDR 6.35 trillion in March 2022.

Meanwhile, the collection of Sharia DPK grew 25.31 percent to IDR 8.10 trillion in March 2023, from IDR 6.47 trillion in March 2022.


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