kasus COVID-19. Sementara itu, pengujian kandidat vaksin COVID-19 telah menunjukkan perkembangan yang positif dan mulai diimplementasikan di beberapa negara sejak akhir 2020.
Sumber: Laporan Kebijakan Moneter Triwulan IV 2020, Bank Indonesia dan Perkembangan Ekonomi Keuangan dan Kerjasama Internasional (Pekki) IV 2020, Bank Indonesia
Analisis Perekonomian Nasional
Pertumbuhan ekonomi pada triwulan IV 2020 menunjukkan proses perbaikan yang berlanjut.
Ekonomi pada triwulan IV 2020 tercatat kontraksi sebesar -2,19% (YoY), membaik dari kontraksi triwulan III 2020 sebesar -3,49% (YoY). Konsumsi Pemerintah tumbuh positif di 2020 sebesar 1,94% dipengaruhi oleh realisasi stimulus Pemerintah, terutama berupa bantuan sosial, belanja barang dan jasa lainnya, serta Transfer ke Daerah dan Dana Desa (TKDD). Kontraksi konsumsi rumah tangga juga membaik menjadi -3,61% (YoY) dari -4,05% (YoY) pada triwulan sebelumnya atau -2,63%
(YoY) untuk tahun 2020, seiring dengan perbaikan mobilitas masyarakat. Pertumbuhan investasi juga membaik menjadi -6,15% (YoY) atau -4,95% (YoY) untuk 2020. Sementara itu, net ekspor tercatat positif, ditopang perbaikan kinerja ekspor sejalan dengan perbaikan kinerja perekonomian di beberapa negara tujuan ekspor, di tengah kinerja impor yang masih terbatas. Dengan perkembangan tersebut, secara keseluruhan tahun 2020, pertumbuhan ekonomi Indonesia terkontraksi 2,07%
Sumber: Laporan Kebijakan Moneter Triwulan IV 2020, Bank Indonesia dan Badan
testing of the COVID-19 vaccine candidate has shown positive developments and has begun to be implemented in several countries since the end of 2020.
Sumber: Laporan Kebijakan Moneter Triwulan IV 2020, Bank Indonesia dan Perkembangan Ekonomi Keuangan dan Kerjasama Internasional (Pekki) IV 2020, Bank Indonesia
National Economic Analysis
Economic growth in the fourth quarter of 2020 shows a continuous process of improvement. The economy in the fourth quarter of 2020 recorded a contraction of -2.19% (YoY), improving from the contraction in the third quarter of 2020 of -3.49% (YoY). Government consumption grew positively in 2020 at 1.94% influenced by the realization of Government stimulus, especially in the form of social assistance, spending on other goods and services, as well as Transfers to Regions and Village Funds (TKDD). Contraction in household consumption also improved to -3.61% (YoY) from -4.05% (YoY) in the previous quarter or -2.63% (YoY) for 2020, in line with improvements in community mobility. Investment growth also improved to -6.15% (YoY) or -4.95% (YoY) for 2020. Meanwhile, net exports were positive, supported by improved export performance in line with improving economic performance in several export destination countries. import performance is still limited. With these developments, overall in 2020, Indonesia’s economic growth contracted by 2.07%
Source: Monetary Policy Report for Quarter IV 2020, Bank Indonesia and the Agency
Grafik Pertumbuhan Produk Domestik Bruto (PDB) Graph of Gross Domestic Product (GDP) Growth
Sumber: Berita Resmi Statistik, Badan Pusat Statistik, Februari 2021 Source: Statistic Official News, Central Bureau of Statistics, February 2021
Produk Domestik Bruto (PDB) Gross Domestic Product (GDP)
2016 2017 2018 2019 2020
5,03 % 5,07 % 5,17 % 5,02 % (2,07) %
Analisis Perekonomian Riau
Perekonomian Riau pada triwulan III 2020 sebesar -1,67% (YoY), mengalami perbaikan dibandingkan triwulan II 2020 yang terkontraksi sebesar -3,22%
(YoY). Akselerasi pertumbuhan ekonomi tersebut sejalan dengan pertumbuhan ekonomi nasional dan Sumatera yang masing-masing tercatat membaik dari kontraksi -5,23% (YoY) dan -3,01% (YoY) pada triwulan II 2020, menjadi kontraksi sebesar -3,49% (YoY) dan -2,22% (YoY) pada triwulan III 2020. Memasuki triwulan IV 2020 perekonomian Riau diperkirakan terakselerasi dibandingkan realisasi triwulan III 2020 yang diperkirakan bersumber dari konsumsi dan rumah tangga, konsumsi LNPRT dan net ekspor luar negeri.
Inflasi Provinsi Riau pada triwulan III 2020 tercatat sebesar 1,14% (YoY) lebih tinggi dibandingkan dengan triwulan II 2020 sebesar 1,13% (YoY). Kondisi ini berkebalikan dengan perkembangan inflasi di Sumatera dan Nasional yang tercatat mengalami penurunan dari masing-masing 0,69% (YoY) dan 1,96% (YoY) pada triwulan II 2020, menjadi 0,66% (YoY) dan 1,42% (YoY) pada triwulan III 2020. Meningkatnya tekanan inflasi tersebut bersumber dari kenaikan harga komoditas dari kelompok makanan, minuman dan tembakau, transportasi, informasi, komunikasi dan jasa keuangan, penyediaan makanan dan minuman/
restoran perawatan pribadi dan jasa lainnya.
Realisasi belanja Provinsi Riau sepanjang triwulan III 2020 tercatat sebesar Rp3,80 triliun (44,70% pagu), terkontraksi 23,29% (YoY) dibandingkan periode yang sama tahun sebelumnya yang terealisasi sebesar Rp4,95 triliun (52,13% pagu). Penurunan realisasi belanja terjadi pada 2 (dua) pos utama yaitu pos belanja langsung dan belanja tidak langsung.
Realisasi pendapatan Provinsi Riau pada triwulan III 2020 tercatat sebesar Rp5,70 triliun (67,57% dari pagu anggaran), turun dibandingkan periode yang sama tahun sebelumnya yang terealisasi sebesar Rp6,72 triliun (71,25% dari pagu anggaran) penurunan realisasi pendapatan Provinsi Riau sepanjang triwulan III 2020 utamanya didorong oleh deselerasi pertumbuhan dana perimbangan, penurunan Dana Perimbangan utamanya didorong oleh terkontraksinya pendapatan Dana Alokasi Khusus (DAK) dan Dana Alokasi Umum (DAU).
Stabilitas Sistem Keuangan Daerah Riau pada triwulan III 2020 menunjukan perbaikan meski terbatas ditengah pandemi COVID-19 dan kontraksi
Riau Economic Analysis
Riau’s economy in the third quarter of 2020 was -1.67%
(YoY), experiencing improvement compared to the second quarter of 2020 which contracted by -3.22%
(YoY). The acceleration in economic growth is in line with the growth of the national economy and Sumatra, which respectively recorded an improvement from a contraction of -5.23% (YoY) and -3.01% (YoY) in the second quarter of 2020, to a contraction of -3.49% ( YoY) and -2.22% (YoY) in the third quarter of 2020. Entering the fourth quarter of 2020, the economy of Riau is estimated to accelerate compared to the realization of the third quarter of 2020, which is estimated to come from consumption and households, consumption of non-domestic workers, and net foreign exports.
Inflation in Riau Province in the third quarter of 2020 was recorded at 1.14% (YoY), higher than in the second quarter of 2020 at 1.13% (YoY). This condition is in contrast to the development of the inflation in Sumatra and the National which recorded a decline from respectively 0.69% (YoY) and 1.96% (YoY) in the second quarter of 2020, to 0.66% (YoY) and 1.42. % (YoY) in the third quarter of 2020. The increase in inflationary pressure originated from the increase in commodity prices from the food, beverage, and tobacco, transportation, information, communication, and financial services groups, provision of food and beverages/restaurants, personal care, and other services.
Riau Province spending realization during the third quarter of 2020 was recorded at IDR 3.80 trillion (44.70%
ceiling), contracted 23.29% (YoY) compared to the same period in the previous year which was realized at IDR 4.95 trillion (52.13% ceiling). The decline in expenditure realization occurred in 2 (two) main items, namely direct expenditure and indirect expenditure.
Realization of Riau Province revenue in the third quarter of 2020 was recorded at IDR 5.70 trillion (67.57% of the budget ceiling), a decrease compared to the same period in the previous year which was realized IDR 6.72 trillion (71.25% of the budget ceiling) decreased revenue realization Riau Province during the third quarter of 2020 was mainly driven by the deceleration in the growth of the balancing fund, the decline in the Balancing Fund was mainly driven by the contraction of Special Allocation Fund (DAK) and General Allocation Fund (DAU) revenues.
The stability of the Riau Regional Financial System in the third quarter of 2020 showed improvement although it was limited amid the COVID-19 pandemic and
perekonomian. Ketahanan sektor korporasi secara umum tercatat membaik, sejalan dengan likuiditas, rentabilitas, indeks harga ekspor Riau, dan indeks ekspektasi ekonomi 6 (enam) bulan mendatang.
Namun pertumbuhan kredit korporasi mengalami perlambatan, ketahanan sektor rumah tangga (RT) juga menunjukkan sedikit perbaikan seiring dengan peningkatan keyakinan konsumen, akselerasi kredit konsumsi dan penurunan NPL indikator kinerja perbankan di Riau pada triwulan III 2020 tercatat melambat sebagaimana tercermin dari penurunan pertumbuhan aset, DPK dan kredit perbankan disertai NPL yang meningkat dan LDR yang menurun.
Perekonomian Provinsi Kepulauan Riau (Kepri) pada triwulan III 2020 mengalami perbaikan tercermin dari pertumbuhan sebesar 3,32% (QtQ) dari kontraksi -7,55% (qtq) pada triwulan sebelumnya. Secara tahunan, pertumbuhan ekonomi Kepulauan Riau pada triwulan III 2020 masih terkontraksi -5,81%
(YoY) namun lebih baik dari triwulan II 2020 yang terkontraksi -6,66% (YoY), peningkatnya mobilitas masyarakat seiring pelonggaran pembatasan aktivitas sosial mendorong pemulihan ekonomi Kepri secara bertahap. Perbaikan perekonomian Kepri sejalan dengan perbaikan pertumbuhan ekonomi nasional maupun kawasan Sumatera.
Inflasi Provinsi Kepulauan Riau Pada triwulan III 2020 sebesar 0,10% (YoY), lebih rendah dibanding inflasi triwulan sebelumnya sebesar 0,24% (YoY), inflasi pada triwulan III 2020 terutama bersumber dari kelompok perawatan pribadi dan jasa lainnya sebesar 9,10%
(YoY), sejalan masih berlanjutnya kenaikan harga emas perhiasan. Inflasi Provinsi Kepulauan Riau pada triwulan I 2021 diperkirakan meningkat namun masih terkendali.
Kinerja perbankan provinsi Kepulauan Riau pada triwulan III 2020 mengalami peningkatan, tercermin dari pertumbuhan kredit yang mengalami perbaikan, serta sejumlah aset dan DPK yang tumbuh lebih tinggi dibandingkan triwulan sebelumnya. Intermediasi perbankan pada triwulan III 2020 kembali mengalami penurunan didorong permintaan kredit yang masih lemah dan perbankan berhati-hati dalam menyalurkan kredit ditengah peningkatan DPK.
Risiko kredit perbankan relatif terjaga yang ditopang oleh pelaksanaan program restrukturisasi kredit bagi pelaku usaha yang terkena dampak COVID-19.
Ketahanan sektor korporasi masih cukup baik meski penyaluran kredit masih mengalami kontraksi. Disisi lain ketahanan sektor rumah tangga mengalami penurunan akibat berkurangnya tingkat pendapatan rumah tangga.
economic contraction. The resilience of the corporate sector is generally recorded to have improved, in line with liquidity, profitability, Riau’s export price index, and the index of economic expectations for the next 6 months. However, corporate credit growth experienced a slowdown, the resilience of the household sector (RT) also showed a slight improvement in line with increased consumer confidence, accelerated consumption credit, and a decline in NPLs in banking performance indicators in Riau in the third quarter of 2020, as reflected in the decline in growth in assets, deposits, and loans. bank credit accompanied by an increase in NPL and a decrease in LDR.
The economy of the Riau Islands Province (Kepri) in the third quarter of 2020 experienced improvement, reflected in the growth of 3.32% (QtQ) from a contraction of -7.55% (qtq) in the previous quarter.
Annually, the economic growth of the Riau Islands in the third quarter of 2020 still contracted -5.81% (YoY) but was better than the second quarter of 2020 which contracted -6.66% (YoY), the increase in community mobility in line with the easing of restrictions on social activities stimulated economic recovery Kepri gradually.
The improvement of the Riau Islands economy is in line with the improvement in national economic growth and the Sumatra region.
Riau Islands Province Inflation in the third quarter of 2020 amounted to 0.10% (YoY), lower than the previous quarter’s inflation of 0.24% (YoY), inflation in the third quarter of 2020 mainly came from the personal care and other services group of 9.10. % (YoY), in line with the continuing increase in gold jewelry prices. Inflation in the Riau Islands Province in the first quarter of 2021 is predicted to increase but is still under control.
in the third quarter of 2020, the banking performance of the Riau Islands province increased, as reflected in the improvement in credit growth, as well as many assets and deposits that grew higher than the previous quarter. Banking intermediation in the third quarter of 2020 experienced another decline, driven by weak demand for credit and banks were careful to distribute credit amid the increase in deposits. Banking credit risk is relatively well maintained which is supported by the implementation of the credit restructuring program for business actors affected by COVID-19. The resilience of the corporate sector remains sound despite the contraction in lending. On the other hand, the resilience of the household sector has decreased due to reduced levels of household income.
Realisasi pendapatan Pemda di wilayan Provinsi Kepulauan Riau sampai dengan triwulan III 2020 tercatat sebesar Rp8,83 triliun atau sebesar 73,01% dari total anggaran. Secara nominal jumlah penerimaan tersebut lebih rendah dibandingkan penerimaan pada periode yang sama tahun lalu sebesar Rp9,36 triliun, namun jika dilihat dari persentase pencapaiannya mengalami peningkatan dibandingkan triwulan III 2019 yakni 69,60% dari total anggaran. Peningkatan realisasi tersebut didorong oleh peningkatan realisasi Pendapatan Asli Daerah (PAD), Transfer Pemerintah Pusat (dana perimbangan) dan Transfer pemerintah provinsi/
lainnya.
Realisasi penyerapan anggaran belanja Pemda di wilayah Kepri pada triwulan III 2020 tercatat mengalami penurunan dibandingkan triwulan III 2019, meskipun secara nominal mengalami peningkatan. Realisasi belanja Pemda di wilayah Kepri hingga triwulan III 2020 mencapai 59,07% dari total anggaran, lebih rendah dari pada realisasi pada triwulan III 2019 yang mencapai 62,38% dari total anggaran. Meski demikian secara nominal jumlah belanja pemerintah daerah mengalami peningkatan dari sebesar Rp6,39 triliun pada triwulan III 2019 menjadi Rp6,45 triliun.
Analisis Industri Perbankan
Rapat Dewan Gubernur (RDG) Bank Indonesia pada 16-17 Desember 2020 memutuskan untuk mempertahankan BI 7-Day Reverse Repo Rate (BI7DRR) sebesar 3,75%, suku bunga Deposit Facility sebesar 3,00%, dan suku bunga Lending Facility sebesar 4,50%. Keputusan ini konsisten dengan prakiraan inflasi yang tetap rendah dan stabilitas eksternal yang terjaga, serta upaya untuk mendukung pemulihan ekonomi. Bank Indonesia memperkuat sinergi kebijakan dan mendukung berbagai kebijakan lanjutan untuk membangun optimisme pemulihan ekonomi nasional, melalui pembukaan sektor-sektor ekonomi produktif dan aman COVID-19, akselerasi stimulus fiskal, penyaluran kredit perbankan dari sisi permintaan dan penawaran, melanjutkan stimulus moneter dan makroprudensial, serta mengakselerasi digitalisasi ekonomi dan keuangan.
Ketahanan sistem keuangan tetap terjaga, meskipun risiko dari berlanjutnya dampak COVID-19 terhadap stabilitas sistem keuangan terus dicermati. Rasio kecukupan modal (Capital Adequacy Ratio/CAR) perbankan Desember 2020 tetap tinggi sebesar 23,81%, dan rasio kredit bermasalah (Non Performing Loan/NPL) tetap rendah, yakni 3,06% (bruto) dan 0,98% (neto). Di tengah kondisi likuiditas yang longgar
Realization of local government revenues in the Riau Islands Province up to the third quarter of 2020 was recorded at IDR.8.83 trillion or 73.01% of the total budget. in nominal terms, the amount of revenue is lower than the revenue in the same period last year amounting to Rp9.36 trillion, but if seen from the percentage of achievement, it has increased compared to the third quarter of 2019, namely 69.60% of the total budget. This increase in realization was driven by an increase in the realization of Regional Original Revenue (PAD), transfers of the Central Government (balancing funds), and transfers of provincial/other governments.
The realization of regional government budget absorption in the Riau Islands region in the third quarter of 2020 was recorded to have decreased compared to the third quarter of 2019, although in nominal terms it increased.
The realization of local government spending in the Riau Islands region until the third quarter of 2020 reached 59.07% of the total budget, lower than the realization in the third quarter of 2019 which reached 62.38% of the total budget. However, in nominal terms, the amount of regional government spending has increased from IDR.6.39 trillion in the third quarter of 2019 to IDR.6.45 trillion.
Banking Industry Analysis
The Board of Governors Meeting (RDG) of Bank Indonesia on 16-17 December 2020 decided to maintain the BI 7-Day Reverse Repo Rate (BI7DRR) at 3.75%, the Deposit Facility interest rate at 3.00%, and the Lending Facility interest rate at 4. , 50%.
This decision is consistent with the forecast for low inflation and maintained external stability, as well as efforts to support economic recovery. Bank Indonesia strengthens policy synergies and supports various further policies to build optimism for national economic recovery, through the opening of productive and safe economic sectors for COVID-19, accelerating fiscal stimulus, channeling bank credit from the demand and supply side, continuing monetary and macroprudential stimuli, and accelerate economic and financial digitization.
Financial system resilience was maintained, although risks from the continuing impact of COVID-19 on financial system stability were closely monitored. The capital adequacy ratio (CAR) of banks in December 2020 remained high at 23.81%, and the ratio of non- performing loans (NPL) remained low, namely 3.06%
(gross) and 0.98% (net ). Amid conditions of loose liquidity and high growth in deposits of 10.57% (YoY),
dan pertumbuhan DPK yang tinggi sebesar 10,57%
(YoY), perbaikan fungsi intermediasi dari sektor keuangan belum kuat, tercermin dari kontraksi kredit pada Januari 2021 sebesar 1,92% (YoY) dibandingkan dengan kontraksi 2,41% (YoY) pada Desember 2020.
Transaksi Sistem Pembayaran baik tunai maupun non- tunai meningkat sejalan dengan perbaikan ekonomi, disertai dengan percepatan digitalisasi ekonomi dan keuangan. Uang Kartal Yang Diedarkan (UYD) pada Desember 2020 mencapai Rp898,9 triliun, tumbuh 13,25% (YoY), seiring dengan aktivitas ekonomi yang membaik. Nilai transaksi pembayaran menggunakan ATM, Kartu Debet, dan Kartu Kredit pada Desember 2020 tercatat Rp695,5 triliun, kembali tumbuh 1,36%
(YoY), setelah kontraksi pada bulan November 2020 sebesar 1,93% (YoY). Transaksi ekonomi dan keuangan digital terus tumbuh tinggi sejalan dengan penggunaan platform e-commerce dan instrumen digital di masa pandemi, serta kuatnya preferensi dan akseptasi masyarakat akan transaksi digital. Hal itu terlihat dari nilai transaksi Uang Elektronik (UE) pada Desember 2020 sebesar Rp22,1 triliun, atau tumbuh 30,44% (YoY). Lebih lanjut, volume transaksi digital banking pada Desember 2020 mencapai 513,7 juta transaksi, atau tumbuh 41,53% (YoY) dan nilai transaksi digital banking sebesar Rp2.774,5 triliun, tumbuh 13,91% (YoY). Bank Indonesia memprakirakan tren digitalisasi akan terus berkembang pesat didukung dengan perluasan ekosistem ekonomi dan keuangan digital yang semakin inklusif. Bank Indonesia terus mengakselerasi kebijakan digitalisasi sistem pembayaran untuk pembentukan ekosistem ekonomi dan keuangan digital yang inklusif dan efisien, serta untuk mendukung percepatan pemulihan ekonomi nasional. Hal ini dilakukan antara lain melalui perluasan merchant QRIS 12 juta, perluasan fitur QRIS Transfer, tarik, dan setor, menetapkan Merchant Discount Rate Uang Elektronik (MDR UE) Chip Based berlaku efektif 1 Maret 2021, dan implementasi Blueprint Sistem Pembayaran Indonesia 2025.
Sumber: Laporan Kebijakan Moneter Triwulan IV 2020, Bank Indonesia
improvement in the intermediation function of the financial sector has not been strong, as reflected in the contraction in credit in January 2021 of 1.92%
(YoY) compared to a contraction of 2.41. % (YoY) as of December 2020.
Payment System Transactions, both cash and non-cash, have increased in line with the economic improvement, accompanied by the acceleration of economic and financial digitization. Currency in circulation (UYD) in December 2020 reached IDR 898.9 trillion, a growth of 13.25% (YoY), in line with improving economic activity.
The value of payment transactions using ATMs, Debit Cards and Credit Cards in December 2020 was recorded at IDR695.5 trillion, again growing by 1.36% (YoY), after a contraction in November 2020 of 1.93% (YoY). Digital economic and financial transactions continue to grow steadily in line with the use of e-commerce platforms and digital instruments during the pandemic, as well as the strong public preference and acceptance of digital transactions. This can be seen from the value of Electronic Money (EU) transactions in December 2020 amounting to Rp22.1 trillion, or an increase of 30.44% (YoY).
Furthermore, the volume of digital banking transactions in December 2020 reached 513.7 million transactions or grew 41.53% (YoY) and the value of digital banking transactions was IDR.2,774.5 trillion, growing 13.91%
(YoY). Bank Indonesia predicts that the digitalization trend will continue to develop rapidly, supported by the expansion of an increasingly inclusive digital economy and financial ecosystem. Bank Indonesia continues to accelerate the payment system digitalization policy for the establishment of an inclusive and efficient digital economic and financial ecosystem, as well as to support the acceleration of national economic recovery. This was done, among others, by expanding the 12 million QRIS merchants, expanding the QRIS transfer, withdrawal, and deposit features, setting the Chip Based Electronic Money Merchant Discount Rate (MDR UE) effective March 1, 2021, and implementing the 2025 Indonesian Payment System Blueprint.
Source: Monetary Policy Report for Quarter IV 2020, Bank Indonesia
Kinerja Bank Riau Kepri tahun 2020 dari sisi aset, kredit, DPK dan laba bersih lebih baik dibandingkan BUKU II dan BPD. Aset Bank Riau Kepri berhasil tumbuh 10,80%, lebih tinggi dibandingkan BPD sebesar 6,46% dan BUKU II yang mengalami pertumbuhan negatif 0,88%. Demikian pula dari sisi kredit dan DPK berhasil tumbuh sebesar 5,97% dan 11,06%. Sejalan dengan hal tersebut, laba bersih Bank Riau Kepri juga mengalami pertumbuhan sebesar 50,14%, jauh berada di atas BPD yang sebesar 5,65% dan BUKU II yang mengalami pertumbuhan negatif 1,16%.
Kinerja
2020 2019 Pertumbuhan (YoY)
Growth (YoY)
Performance Bank Riau
Kepri BUKU II BPD Bank Riau
Kepri BUKU II BPD Bank Riau
Kepri BUKU II BPD
Aset 28.200 897.206 763.879 25.452 905.190 717.518 10,80 (0,88) 6,46 Asset
Kredit 18.434 539.011 493.422 17.396 569.146 469.530 5,97 (5,29) 5,09 Credit
DPK 22.143 648.871 590.602 19.937 621.089 532.258 11,06 4,47 10,96 DPK
Laba Bersih 464 8.403 13.002 309 8.502 12.307 50,14 (1,16) 5,65 Net profit
Tabel Kinerja Pertumbuhan Bank Riau Kepri Dibanding Rata-Rata Bank BUKU II dan BPD Table of Growth Performance of Bank Riau Kepri Compared to the Average of BUKU II and BPD Banks
Sumber: Statistik Perbankan Indonesia Otoritas Jasa Keuangan (SPI OJK), Desember 2020 Source: Indonesian Banking Statistics, Financial Services Authority (SPI OJK), December 2020
(dalam miliar Rupiah) (in billion Rupiah)
The performance of Bank Riau Kepri in 2020 in terms of assets, credit, deposits, and net income was better than BUKU II and BPD. The assets of Bank Riau Kepri managed to grow 10.80%, higher than the BPD of 6.46% and BUKU II which experienced negative growth of 0.88%. Likewise, in terms of credit and deposits, it managed to grow by 5.97% and 11.06%. in line with this, the net profit of Bank Riau Kepri also experienced a growth of 50.14%, far above the BPD of 5.65%, and BUKU II which experienced negative growth of 1.16%.
Analisis Posisi Bank Riau Kepri dalam Industri Perbankan
Perbandingan kinerja Bank Riau Kepri terhadap Bank Umum Kelas Usaha (BUKU) II dan Bank Pembangunan Daerah (BPD) disajikan sebagai berikut.
Analysis of the Position of Bank Riau Kepri in the Banking Industry
The comparison of the performance of Bank Riau Kepri against Commercial Class Business Banks (BUKU) II and Regional Development Banks (BPD) is presented as follows.
Grafik Kinerja Pertumbuhan Bank Riau Kepri Dibanding Rata-Rata Bank BUKU II dan BPD Tahun 2020 Graph of the Growth Performance of Bank Riau Kepri compared to the Average BUKU II and BPD Banks in 2020
Bank Riau Kepri Buku II BPD
10,80%
AssetAset Kredit
Credit DPK
DPK Laba Bersih
Net profit
5,97% (5,29)% 5,09% 11,06% 4,47% 10,96% 50,14% 5,65%
(1,16)%
6,46%
(0,88)%