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 |
