Dibanjiri Kebijakan dan Stimulus, Kemenkeu Bersyukur Daya Tahan Perbankan Tetap Kuat

JAKARTA.LENTERAJABAR.COM,--Kementerian Keuangan (Kemenkeu) menilai kinerja dan daya tahan industri perbankan di masa pandemi Covid-19 masih tetap moncer, bahkan aset perbankan tetap tumbuh didorong oleh program Pemulihan Ekonomi Nasional (PEN) dan berbagai kebijakan yang dikeluarkan Kemenkeu, Bank Indonesia (BI), Otoritas Jasa Keuangan (OJK dan Lembaga Penjamin Simpanan (LPS).

Tenaga Ahli Menteri Keuangan bidang Jasa Keuangan, Mirza Adityaswara menceritakan, pada awal masa pandemi Covid-19, pemerintah mengaku khawatir kalau industri perbankan akan terdampak pandemi Covid-19. Hal ini wajar mengingat industri perbankan punya peran sentral dalam perekonomian nasional.

Menurutnya, untuk mengantisipasi terhadap kemungkinan terburuk, sebagai respon awal pada Maret 2020 pemerintah menerbitkan PP Nomor 1 tahun 2020 yang telah ditetapkan menjadi UU Nomor 2 tahun 2020.

"Melalui kerangka UU tersebut, Kemenkeu memperkuat koordinasi dengan Bank Indonesia (BI), Otoritas Jasa Keuangan (OJK) dan Lembaga Penjamin Simpanan untuk mengantisipasi potensi pemburukan sektor riil yang berisiko menjalar ke sektor keuangan. Melalui instrumen fiskal, Kemenkeu mengambil langkah-langkah darurat dalam bentuk kebijakan coutercyclical untuk mngatasi dan mitigasi dampak Covid-19," ujar Mirza dalam sambutannya pada acara Indonesia Best Bank Award 2021 yang digelar Warta Ekonomi secara virtual di Jakarta, Rabu (25/8/2021).

Untuk dukungan dunia usaha, lanjut Mirza, Kemenkeu bersama-sama OJK, BI dan LPS telah berkordinasi dan bersinergi guna mendukung akselerasi PEN khususnya dari sisi dukungan pembiayaan dan penguatan likuiditas sektor usaha.

Dia menjelaskan, Kemenkeu melalui instrumen APBN telah meluncurkan kebijakan risk sharing penjaminan kredit, penempatan dana di perbankan, dan subsidi bunga UMKM. Sementara itu BI menurunkan suku bunga acuan BI 7-Day Reverse Repo Rate hingga 125 bps, menurunkan Giro Wajib Minimum dari 4,5% menjadi 3,5%, kenaikan Penyangga Likuiditas Makroprudensial (PLM), serta pelonggaran Loan to Value (LTV).

OJK sendiri memberikan relaksasi restrukturisasi kredit, perhitungan aset tertimbang menurut risiko dan mendorong suku bunga rendah. Sedangkan LPS melakukan relaksasi pembayaran denda keterlambatan atas premi penjaminan.

"Berbagai kebijakan tersebut diyakini cukup efektif menjaga resilience perbankan kita dalam mnghadapi tekanan. Likuiditas perbankan yang pada awalnya dikhawatirkan mengalami permasalahan dan flight to quality antar bank, hingga saat ini masih dapat dimanage dengan baik bahkan likuiditas perbankan kita sangat ample, sangat melimpah dan sangat cukup," jelas Mirza.

Hal ini, lanjut dia, terlihat dari rasio Alat Likuid terhadap Non Core Deposit (AL/NCD) pada akhir juni 2021 mencapai 151,2% dan rasio pinjaman terhadap simpanan atau Loan to Deposit Ratio (LDR) yang mencapai 80,1%.

Dari sisi profitabilitas, laba bersih perbankan per juni 2021 masih tumbuh 7,9% dengan Net Interest Margin (NIM) 4,56%. Kemudian dari sisi permodalan, Capital Adequacy Ratio (CAR) industri perbankan pada Juni 2021 mencapai 24,3%, jauh meningkat dari posisi Maret 2020 yang hanya 21,6%. Kinerja ini juga tidak terlepas dari rasio kredit bermasalah atau Non Performing Loan (NPL) yang relatif rendah walaupun mengalami peningkatan di tengah pandemi Covid-19. Tercatat NPL gross Juni 2021 sebesar 3,24%, sementara pada Maret 2020 sebesar 2,77%.

"Kami dari sisi pemerintah patut bersyukur dengan kondisi perbankan yang relatif resilience menghadapi pandemi Covid-19 yang sudah berlangsung hampir 1,5 tahun," pungkasnya.

Namun Mirza mengingatkan, kita tidak boleh berpuas diri dengan perkembangan perbankan saat ini. perlu diingat pandemi Covid-19 masih memiliki tingkat ketidakpastian (uncertainty) yang tinggi dan belum bisa diperkirakan kapan akan selesai meski program vaksinasi terus berjalan.

"Berbagai potensi risiko sekecil apapun terus kami identifikasi dan monitor sehingga dapar segera diantisipasi dan mitigasi dampaknya bila risiko itu benar-benar terjadi," tukasnya.

Tak lupa, Mirza juga mengapresiasi Indonesia Best Bank Award 2021 yang diselenggarakan Warta Ekonomi. Tentunya penghargaan ini dapat menjadi booster bagi penerima penghargaan agar tetap semangat dan memacu kinerjanya menjadi lebih baik lagi.

"Kami apresiasi kepada Warta Ekonomi. Acara ini dapat menjadi bentuk apresiasi dan tentu saja menjadi booster untuk memacu semangat dan motivasi untuk terus mendorong berbagai inovasi dan adaptasi produk dan layanan perbankan terhadap ekosistem baru yang terus bergerak dan berkembang telebih di masa pandemi yang kita jalani ini," tutur Mirza.

Berikut adalah para pemenang Best Bank 2021:

DAFTAR PEMENANG

 

No	Perusahaan	Category	Title
1	Bank Central Asia Tbk.	BUKU 4 with total assets over 500 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Prominance Banking Digitalization
2	Bank Mandiri (Persero) Tbk.	BUKU 4 with total assets over 500 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Delicate Banking Business Development
3	Bank Rakyat Indonesia (Persero)	BUKU 4 with total assets over 500 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Mantaining Investor Relationship
4	Bank Negara Indonesia (Persero)	BUKU 4 with total assets over 500 trillion	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Increasing Human Resource Capability
5	Bank Danamon Indonesia Tbk.	BUKU 4 with total assets under 500 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Delicate Banking Business Development
6	Bank CIMB Niaga Tbk.	BUKU 4 with total assets under 500 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Prominance Banking Digitalization
7	Bank Pan Indonesia Tbk	BUKU 4 with total assets under 500 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Innovative Banking Retail Business
8	Bank OCBC NISP Tbk.	BUKU 3 with total assets over 100 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Innovative Banking Business Segmentation
9	Bank BTPN Tbk.	BUKU 3 with total assets over 100 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Prominance Banking Digitalization
10	Bank Permata Tbk.	BUKU 3 with total assets over 100 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Innovative Credit Card Services
11	PT Bank Tabungan Negara (Persero) Tbk	BUKU 3 with total assets over 100 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Delicate Banking Business Expansion
12	Bank Mega Tbk.	BUKU 3 with total assets over 100 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Digital Banking Transformation
13	Bank Mayapada Internasional Tb	BUKU 3 with total assets over 100 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Delicate Banking Business Development
14	PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk	BUKU 3 with total assets over 100 trillion	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Mantaining Investor Relationship
15	PT BPD Jawa Tengah	BUKU 3 with total assets 50 -100 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Mantaining Stakeholders Engagement
16	PT BPD DKI	BUKU 3 with total assets 50 -100 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Innovative Digital Banking Products
17	PT Bank DBS Indonesia	BUKU 3 with total assets 50 -100 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Innovative Investment Products
18	PT BPD Jawa Timur Tbk	BUKU 3 with total assets 50 -100 trillion	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Delicate Banking Business Development
19	Bank Woori Saudara Indonesia 1	BUKU 3 with total assets under 50 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Delicate Banking Business Development
20	Bank China Construction Bank I	BUKU 3 with total assets under 50 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Delicate Banking Business Expansion
21	Bank Sinarmas Tbk.	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Innovative Digital Banking Products
22	PT BPD Sumatera Barat	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Delicate Banking Business Development
23	PT Mandiri Taspen	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Delicate Banking Business Expansion
24	PT BPD Bali	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Innovative Digital Banking Products
25	Bank Artha Graha Internasional	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Innovative Banking Retail Business
26	PT Bank Multiarta Sentosa	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Mantaining Investor Relationship
27	PT BPD Sumatera Utara	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Delicate Banking Business Expansion
28	PT BPD Kalimantan Timur dan Kalimantan Utara	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Prominance Banking Digitalization
29	PT BPD Sumatera Selatan dan Bangka Belitung	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Increasing Human Resource Capability
30	PT BPD Sulawesi Selatan dan Barat	BUKU 2 with total assets over 20 trillion	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Innovative Banking Business Segmentation
31	Bank Ina Perdana Tbk.	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Innovative Digital Banking Products
32	PT BPD Kalimantan Barat	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Delicate Banking Business Development
33	Bank Mestika Dharma Tbk.	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Delicate Banking Business Expansion
34	PT BPD Jambi	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Increasing Human Resource Capability
35	PT Shinhan Indonesia	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Innovative Banking Business Segmentation
36	PT BPD Kalimantan Selatan	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Delicate Banking Business Expansion
37	PT BPD Kalimantan Tengah	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Delicate Banking Business Development
38	PT Bank Sahabat Sampoerna	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Innovative Digital Banking Products
39	Bank IBK Indonesia Tbk.	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Mantaining Investor Relationship
40	Bank Maspion Indonesia Tbk.	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Innovative Banking Business Segmentation
41	PT BPD Daerah Istimewa Yogyakarta	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Delicate Banking Business Development
42	PT Bank Nationalnobu Tbk.	BUKU 2 with total assets 10-20 trillion	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Innovative Digital Acceleration
43	Bank Bisnis Internasional Tbk	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Mantaining Investor Relationship
44	Bank Digital BCA	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Prominance Banking Digitalization
45	Bank Oke Indonesia Tbk.	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Delicate Banking Business Development
46	PT Bank Index Selindo	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Prominance Banking Digitalization
47	PT Bank Jasa Jakarta	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Innovative Banking Business Segmentation
48	PT BPD Lampung	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Innovative Digital Acceleration
49	Bank Bumi Arta Tbk.	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Mantaining Investor Relationship
50	PT BPD Sulawesi Tenggara	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Delicate Banking Business Development
51	PT Allo Bank Indonesia Tbk	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Innovative Banking Business Segmentation
52	PT Bank SBI Indonesia	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Increasing Human Resource Capability
53	Bank Ganesha Tbk.	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Delicate Banking Business Expansion
54	PT Bank Mayora	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Deposit Interest Development
55	PT Bank Seabank Indonesia	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Mantaining Investor Relationship
56	Bank Jago Tbk.	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Innovative Banking Business Segmentation
57	PT Bank Commonwealth	BUKU 2 with total assets under 10 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Innovative Digital Banking Products
58	PT BPD Bengkulu	BUKU 1 with total assets over 5 trillion	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Mantaining Investor Relationship
59	PT BPD Sulawesi Tengah	BUKU 1 with total assets over 5 trillion	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Delicate Banking Business Development
60	PT Bank Pembangunan Daerah Banten tbk	BUKU 1 with total assets over 5 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Innovative Banking Business Segmentation
61	PT Bank FAMA Internasional	BUKU 1 with total assets under 5 trillion	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Mantaining Investor Relationship
62	Bank Prima Master	BUKU 1 with total assets under 5 trillion	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Innovative Banking Business Segmentation
63	PT Bank Mega Syariah	Sharia Bank BUKU 2&3	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Prominance Banking Digitalization
64	PT Bank BCA Syariah	Sharia Bank BUKU 2&3	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Enormous Banking Business Expansion
65	PT Bank Tabungan Pensiunan Nasional Syariah	Sharia Bank BUKU 2&3	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Delicate Banking Business Development
66	PT Bank Aceh Syariah	Sharia Bank BUKU 2&3	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Innovative Digital Acceleration
67	PT Bank BJB Syariah	Sharia Bank BUKU 2&3	Indonesia Best Bank 2021 with Very Good Financial Health and Corporate Performance: Innovative Banking Business Segmentation
68	Bank Victoria Syariah	BUKU 1 Syariah	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Delicate Banking Business Development
69	Bank Syariah Bukopin	BUKU 1 Syariah	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Innovative Banking Business Segmentation
70	JPMorgan Chase Bank, NA	Foreign Bank	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Enormous Banking Business Expansion
71	Bangkok Bank	Foreign Bank	Indonesia Best Bank 2021 with Outstanding Financial Health and Corporate Performance: Delicate Banking Business Development
72	Standard Chartered Bank Indonesia	Foreign Bank	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Enormous Banking Business Expansion
73	MUFG Bank	Foreign Bank	Indonesia Best Bank 2021 with Excellent Financial Health and Corporate Performance: Delicate Banking Business Development
74	Bank of China Limited	Foreign Bank	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Enormous Banking Business Expansion
75	PT Bank CTBC Indonesia	Foreign Bank	Indonesia Best Bank 2021 with Great Financial Health and Corporate Performance: Delicate Banking Business Development