2015
Laporan Laba Rugi
Laba Bersih 200.685 110.585 55,10% 131.918
Laba Per Saham Dasar (nilai penuh) 12,71 8,44 66,40% 10,08
Neraca
Total Aktiva 24.450.492 23.453.347 95,92% 25.308.629
Kredit yang Diberikan 18.021.668 17.150.089 95,16% 19.249.998
ROA (%) 1,17% 0,78% 66,67% 0,71% ROE (%) 10,21% 5,80% 56,81% 7,06% NPL (%) 1,93% 1,69% 87,56% 1,98% LDR (%) 90,00% 87,62% 97,36% 90,00% NIM (%) 4,92% 4,75% 96,54% 4,69% CASA(%) 27,00% 21,76% 80,59% 27,00% BOPO (%) 87,90% 91,72% 104,34% 93,18%
Tahun 2014 merupakan tahun yang cukup berat dan menantang bagi perbankan nasional. Secara umum, di mana laba dan net interest margin (NIM) perbankan nasional terlihat menurun, demikian pula non performing loan (NPL) yang cenderung meningkat. Kondisi tersebut turut mempengaruhi performa Perseroan pada 2014. Perseroan telah menerapkan serangkaian strategi
seperti efi siensi biaya dan penyaluran kredit yang
prudent, namun kinerja Perseroan juga sangat
dipengaruhi oleh faktor eksternal seperti perekonomian
support the Bank’s Business Plan and is always above the minimum regulation of Bank Indonesia.
MATERIAL TIES FOR CAPITAL GOODS
INVESTMENT
Throughout 2014, the Company did not conduct any capital goods investment transaction, thus information related to this matter cannot be presented.
TARGET AND REALIZATION IN 2014 AND
PROJECTION IN 2015
Target and realization of the Company’s fi nancial performance throughout 2014 can be described in the table below:
(in million Rupiah, unless otherwise stated) /
2014 was a hard and challenging year for national banking. Generally, the profi t and net interest margin of the national bank declined, and so did the non performing loan that tended to increase. This condition aff ected the Company’s performance in 2014.
The Company has implemented a series of strategy such as cost effi ciency and prudent loan disbursement. However, the Company’s performance is also infl uenced by external factors, such as global economy and the
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global dan ketidakpastian suhu politik sebelum dilaksanakannnya Pemilu. Secara keseluruhan, realisasi total kredit tercatat sebesar Rp17,15 triliun, dengan kredit konsumsi sebesar Rp1,20 triliun, kredit investasi sebesar Rp.7,43 triliun, dan kredit modal kerja sebesar 8,52 triliun, serta kredit UMKM sebesar Rp.1,57 triliun. Rasio kredit UMKM terhadap total kredit sebesar 9,17%. Kondisi kualitas kredit tercermin dari penurunan Non Performing Loan menjadi sebesar 1,92% (Gross) dan 1,69% (Net). Hal tersebut berdampak pada realisasi rasio aset produktif bermasalah terhadap total aset
produktif sehingga tercatat sebesar 1,63%. Demikian
halnya dengan rasio aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif yang tercatat sebesar 2,14%.
Aset yang Diambil Alih (AYDA) sebesar Rp297,2 miliar
yang disebabkan oleh penyelesaian kredit bermasalah dengan penyerahan aset, sehingga rasio agunan yang diambil alih terhadap total kredit tercatat sebesar 1,73%.
Sejalan dengan realisasi DPK dan kredit, Loan to Deposit Ratio tercatat sebesar 87,62%. CAR pada akhir tahun 2014 tercatat sebesar 15,76% dan rasio modal inti terhadap modal pelengkap tercatat sebesar 345,88%.
Total aset Bank per 31 Desember 2014 tercatat sebesar
Rp23,5 triliun. Sampai dengan akhir tahun 2014, laba bersih sebesar Rp110,6 miliar. Perolehan laba tersebut menyebabkan Return on Equity sebesar 5,80% dan Return on Assets sebesar 0,78%.
Berdasarkan analisis posisi atas beberapa indikator
keuangan, seperti pertumbuhan Dana Pihak Ketiga
dan Aset, khususnya dalam peer group serta rata-rata pertumbuhan Bank Umum dan Bank Umum Swasta
Nasional Devisa, Bank Artha Graha Internasional pada
2015 akan melanjutkan kebijakan untuk menempatkan terjaganya kualitas aset dan optimalisasi peran
intermediasi sebagai prioritas. Di lain hal, akan dilakukan
pembenahan pada infrastruktur dan sumber daya yang berkontribusi terhadap pendapatan jasa-jasa (feebased
income).
Dalam struktur pendapatan, Perseroan masih
mengandalkan pendapatan bunga dimana kontribusi
uncertainties in the political atmosphere before the General Election. Overall, the realization of total loan was recorded at Rp17.15 trillion with consumption loan of Rp1.20 trillion, investment loan at Rp7.43 trillion, and capital working loan at Rp8.52 trillion, and UMKM loan at Rp1.57 trillion. The UMKM laon ratio to total loan amounted to 9.17%.
The condition of the loan quality is refl ected on the decline in the Non Performing Loan at 1.92% (Gross) and 1.69% (Net). This aff ected non performing earning assets to earning assets ratio at 1.63%. Likewise, the non performing earning asset and non performing earning asset ratio to earning assets ratio to non performing earning assets ratio was recorded at 2.14%. Foreclosed assets amounted to Rp210.2 billion, which was caused by the settlement of non performing loan with asset delivery, thus the foreclosed asset ratio to total loan amounted to 1.73%.
In line with the realization of DPK and loan, Loan to Deposit Ratio (LDR) of the Company was recorded at 87.62%. CAR at the end of 2014 was recorded at 15.76% and core capital ratio to supplementary capital ratio amounted to 345.88%. Total assets of the Bank as of December 31, 2014, were recorded at Rp23.5 trillion. As of the end of 2014, profi t after tax was posted at Rp110.6 billion. The profi t caused Return on Equity to 5.80% and Return on Assets to 0.78%.
Based on the position analysis on several fi nancial indicators, such as Third Party Fund and Asset growth, especially in the peer group and the average growth of Commercial Bank and National Private and Foreign Exchange Bank, Bank Artha Graha Internasional will continue its policy to put the priority for maintaining asset quality and optimizing intermediary role. On the other hand, the Company will revamp the infrastructure and resources that contributed to total fee-based income.
In the revenue structure, the Company still relies on interest expenses, in which the contribution of revenues
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outside interest is relatively small. Going forward, the Company will strive to earn revenues outside interest that has larger portion through loan products and fi nancing that is more varied, supported by the implementation of new core banking. Thus ROA position will increase, and BOPO position will improve.