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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