PT BPR MULTI SEMBADA DANA
Ringkasan Eksekutif
Periode data: 30 September 2026 | Dicetak: 2 Oktober 2026 pukul 17.15
Total Aset
Rp 204.815.272.767
Konsolidasi Kantor Pusat
Total Kredit (Baki Debet)
Rp 152.188.141.611
195 Rekening
Total DPK (Simpanan)
Rp 161.113.177.443
Tabungan & Deposito
Laba Bersih Tahun Berjalan
Rp 1.659.197.850
Setelah Pajak
Rasio Kinerja Utama & Kesehatan BPR
CAR / KPMM
Sehat
22,39%
Ketentuan Min: 12.00%
ROA
Sehat
1,27%
Target Min: 1.22%
ROE
Baik
15,53%
Return on Equity
BOPO
Cukup Sehat
93,91%
Beban Operasional / Pendapatan
NPL Netto
Sehat
1,63%
Batas Maks: 5.00%
NPL Brutto
Sehat
1,99%
Kolek 3, 4, 5 / Total Kredit
LDR
Sehat
94,46%
Target Ideal: 85% - 110%
Cash Ratio (CR)
Sehat
10,56%
Alat Likuid / Hutang Lancar
Net Interest Margin
Sehat
6,72%
Pendapatan Bunga Bersih / Rata-rata AP
Struktur Aset Utama
Komposisi Kolektibilitas Kredit
Rincian Neraca & Laba Rugi Detail
Sumber data: Laporan AKTR0029, AKTR0007
POSISI NERACA
Per 30 September 2026
ASET (AKTIVA)
| 1. Kas | Rp 90.356.800 |
| 2. Kas Dalam Valuta Asing | Rp 0 |
| 3. Surat Berharga | Rp 0 |
| 4. Pendapatan Bunga yang Akan Diterima | Rp 1.592.547.196 |
| 5. Penempatan pada Bank Lain | Rp 41.124.979.866 |
| -/- Penyisihan Penghapusan | -Rp 151.617.589 |
| 6. Kredit yang Diberikan | Rp 150.136.534.029 |
| -/- Penyisihan Penghapusan | -Rp 910.072.361 |
| 7. Agunan yang Diambil Alih (AYDA) | Rp 9.407.877.610 |
| 8. Aset Tetap dan Inventaris | Rp 2.076.193.042 |
| -/- Akumulasi Penyusutan | -Rp 1.543.630.543 |
| 9. Aset Tidak Berwujud | Rp 47.000.000 |
| -/- Akumulasi Amortisasi | -Rp 46.999.997 |
| 10. Aset Antar Kantor | Rp 0 |
| 11. Aset Lain-lain | Rp 2.992.104.714 |
| TOTAL ASET | Rp 204.815.272.767 |
KEWAJIBAN & EKUITAS (PASSIVA)
| Kewajiban | |
| 1. Kewajiban Segera | Rp 1.647.233.247 |
| 2. Utang Bunga | Rp 875.145.547 |
| 3. Utang Pajak | Rp 0 |
| 4a. Simpanan – Tabungan | Rp 22.851.471.780 |
| 4b. Simpanan – Deposito | Rp 138.261.705.663 |
| 5. Simpanan dari Bank Lain | Rp 21.479.469.189 |
| 6. Pinjaman Diterima | Rp 0 |
| 7. Dana Setoran Modal | Rp 0 |
| 8. Kewajiban Imbalan Kerja | Rp 67.800.000 |
| 9. Pinjaman Subordinasi | Rp 0 |
| 10. Modal Pinjaman | Rp 0 |
| 11. Kewajiban Antar Kantor | Rp 0 |
| 12. Kewajiban Lain-lain | Rp 129.700.736 |
| Jumlah Kewajiban | Rp 185.312.526.162 |
| Ekuitas | |
| 1. Modal Disetor | Rp 24.930.000.000 |
| 2. Dana Setoran Modal | Rp 0 |
| 3. Laba Rugi yang Belum Direalisasi | Rp 0 |
| 4. Surplus Revaluasi Aset Tetap | Rp 0 |
| 5. Saldo Laba | Rp 0 |
| 6. Laba/Rugi Tahun Lalu | -Rp 7.086.451.244 |
| 7. Laba/Rugi Tahun Berjalan | Rp 1.659.197.850 |
| Jumlah Ekuitas | Rp 19.502.746.605 |
| TOTAL KEWAJIBAN & EKUITAS | Rp 204.815.272.767 |
PERHITUNGAN LABA / RUGI
Tahun Berjalan
PENDAPATAN OPERASIONAL & NON-OPERASIONAL
| 1. Pendapatan Bunga | Rp 18.223.207.100 |
| 2. Pendapatan Operasional Lainnya | Rp 13.651.159.388 |
| 8. Pendapatan Non-Operasional | Rp 70.278.822 |
| TOTAL PENDAPATAN | Rp 31.874.366.488 |
BEBAN OPERASIONAL & NON-OPERASIONAL
| 1. Beban Bunga (Tabungan, Deposito, dll) | Rp 8.340.913.626 |
| 2. Beban Kerugian Restrukturisasi | Rp 210.858.700 |
| 3. Beban CKPN / Penyisihan PPAP | Rp 13.760.592.360 |
| 4. Beban Pemasaran & Iklan | Rp 303.387.726 |
| 5. Beban Penelitian & Pengembangan | Rp 0 |
| 6. Beban Administrasi & Umum | Rp 6.977.789.380 |
| rincian: Gaji & Upah Pegawai | Rp 4.807.572.130 |
| rincian: Honorarium Komisaris/Pengurus | Rp 434.667.959 |
| 7. Beban Operasional Lainnya | Rp 338.437.347 |
| 9. Beban Non-Operasional | Rp 39.255.249 |
| TOTAL BEBAN | Rp 29.931.979.139 |
Laba Operasional
Rp 1.942.387.350
Laba Non-Operasional
-Rp 283.189.500
Laba Sebelum Pajak
Rp 1.973.410.923
Taksiran Pajak Penghasilan
Rp 314.213.073
LABA BERSIH SETELAH PAJAK
Rp 1.659.197.850
Tren Pendapatan, Biaya, & Laba (12 Bulan Terakhir)
Evaluasi performa bulanan berdasarkan laporan AKTRM62D
| Bulan | Pendapatan Operasional | Biaya Operasional | Laba/Rugi Sblm Pajak | Laba/Rugi Sdh Pajak | Total Aktiva |
|---|---|---|---|---|---|
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Okt 25 | 3.385.195.373 | 2.987.801.918 | 405.240.039 | 317.102.352 | 190.178.246.640 |
| Nov 25 | 6.209.342.998 | 6.215.001.398 | -4.021.930 | -4.021.930 | 202.771.318.147 |
| Des 25 | 7.939.048.536 | 7.024.836.530 | 897.560.503 | 678.785.029 | 209.322.539.284 |
| Jan 26 | 3.795.794.377 | 3.625.310.250 | 171.880.751 | 157.692.591 | 212.959.406.028 |
| Feb 26 | 2.682.138.215 | 2.579.331.299 | 107.621.990 | 82.708.954 | 211.269.673.440 |
| Mar 26 | 2.592.481.815 | 2.854.758.680 | -264.779.365 | -264.779.365 | 210.292.048.472 |
| Apr 26 | 3.849.866.736 | 3.602.172.257 | 252.046.001 | 243.335.770 | 211.595.413.907 |
| Mei 26 | 3.494.890.944 | 3.276.803.757 | 220.381.985 | 176.653.657 | 209.635.283.516 |
| Jun 26 | 3.827.747.317 | 3.318.073.230 | 514.325.902 | 411.603.669 | 200.039.244.722 |
| Jul 26 | 3.130.387.260 | 2.956.564.684 | 179.735.152 | 140.353.549 | 202.497.129.031 |
| Agu 26 | 3.575.401.029 | 3.196.276.448 | 386.170.301 | 305.600.819 | 204.075.933.732 |
| Sep 26 | 4.925.658.794 | 4.522.688.534 | 406.028.204 | 406.028.204 | 204.815.272.767 |
| Jumlah 12 Bulan | 790.527.254.321 | 738.553.903.757 | 52.355.032.545 | 42.417.012.801 | 39.511.224.154.992 |
Distribusi Kolektibilitas Kredit
Ringkasan Klasifikasi Kolektibilitas
| Kolektibilitas | Jumlah Rek | Plafond | Baki Debet | Porsi (%) |
|---|---|---|---|---|
| Lancar | 170 | Rp 159.076.484.000 | Rp 137.152.367.153 | 90,12% |
| Dalam Perhatian Khusus | 14 | Rp 12.918.404.542 | Rp 12.008.624.150 | 7,89% |
| Kurang Lancar | 0 | Rp 0 | Rp 0 | 0% |
| Diragukan | 1 | Rp 1.500.000.000 | Rp 272.208.193 | 0,18% |
| Macet | 10 | Rp 3.265.314.492 | Rp 2.754.942.115 | 1,81% |
Rincian Debitur NPL (Kolek 3, 4, & 5)
Hasil parsing laporan PINR0C85
| No | No Rekening | Nama Nasabah | Jenis Produk | Plafond | Baki Debet | Kolek |
|---|---|---|---|---|---|---|
| 1 | 888-4-03916-7 | FERDY ANTONIO | K1-PTA P-S IN ARRE | Rp 272.208.193 | Rp 272.208.193 | Kol 4 |
| 2 | 888-4-03521-8 | HARYANTO | S3-SINDIKASI-PRK | Rp 196.294.492 | Rp 196.294.492 | Kol 5 |
| 3 | 888-4-03666-4 | YUDI SENTIOKO | P6-PTA-KTA (F) | Rp 6.988.913 | Rp 6.988.913 | Kol 5 |
| 4 | 888-4-03675-3 | LILY GUNARTI | P6-PTA-KTA (F) | Rp 34.352.353 | Rp 34.352.353 | Kol 5 |
| 5 | 888-4-03686-9 | FREDDY W PODUNG | P6-PTA-KTA (F) | Rp 8.707.991 | Rp 8.707.991 | Kol 5 |
| 6 | 888-4-03720-2 | NASARUDDIN | K1-PTA P-S IN ARRE | Rp 30.227.770 | Rp 30.227.770 | Kol 5 |
| 7 | 888-4-03721-0 | NASARUDDIN | P1-PRK | Rp 26.350.658 | Rp 26.350.658 | Kol 5 |
| 8 | 888-4-03879-9 | HIKMAH | S2-SINDIKASI-PTA | Rp 202.020.000 | Rp 202.020.000 | Kol 5 |
| 9 | 888-4-03971-1 | KARTIKA JAYAKARTA MEDIKA PT | S2-SINDIKASI-PTA | Rp 500.000.000 | Rp 500.000.000 | Kol 5 |
| 10 | 888-4-04009-2 | SENDI BUDIWAN UMAR | P1-PRK | Rp 550.000.000 | Rp 550.000.000 | Kol 5 |
| 11 | 888-4-04042-4 | MURTI CAHAYA WIRASABA PT | S3-SINDIKASI-PRK | Rp 1.199.999.938 | Rp 1.199.999.938 | Kol 5 |
Rasio Kredit terhadap Dana yang Diterima (LDR)
Sumber data: Laporan AKTRW62E
Rekap
94,46%
Target Ideal OJK: 85% – 110%
Rincian Perhitungan
Total Kredit yang DiberikanRp 152.188.141.611
Total Dana Pihak Ketiga (DPK)Rp 161.113.177.443
– TabunganRp 22.851.471.780
– Simpanan BerjangkaRp 138.261.705.663
Catatan
LDR dihitung dari laporan AKTRW62E: Total Kredit yang Diberikan dibagi Total Dana Pihak Ketiga (Tabungan + Simpanan Berjangka), dikali 100%. Periode laporan ini bisa berbeda dari periode Neraca & Laba Rugi — lihat tanggal "Data per" di atas.
Tabel Komponen LDR
| Komponen | Nilai |
|---|---|
| a. Tabungan | Rp 22.851.471.780 |
| b. Simpanan Berjangka | Rp 138.261.705.663 |
| Jumlah Dana yang Dihimpun | Rp 161.113.177.443 |
| Kredit yang Diberikan | Rp 152.188.141.611 |
| LDR = Kredit / Dana yang Dihimpun | 94,46% |
Net Interest Margin (NIM) & Cost of Funds
Sumber data: NIM dari laporan AKTRM62G; Cost of Funds dihitung dari Laba Rugi & Neraca (AKTR0029)
NIM (Laporan)
0%
Pendapatan Bunga Bersih / Rata-rata AP (annualized)
Cost of Funds
0%
Beban Bunga (annualized) / Dana Berbunga
Yield Aset Produktif (perkiraan)
0%
Pendapatan Bunga (annualized) / (Kredit + Penempatan)
Spread (Yield − CoF)
0%
Selisih imbal hasil aset dan biaya dana
Pendapatan Bunga vs Beban Bunga (Rp Miliar, YTD)
Selisihnya adalah pendapatan bunga bersih.
Komposisi Dana Berbunga (Rp Miliar)
Dasar perhitungan penyebut Cost of Funds.
Rincian Perhitungan
| Komponen | Nilai |
|---|
Catatan Metode
- NIM diambil apa adanya dari laporan AKTRM62G (dihitung core banking dengan rata-rata aktiva produktif).
- Cost of Funds = Beban Bunga tahun berjalan × (12 / jumlah bulan berjalan) ÷ Dana Berbunga posisi akhir periode. Dana Berbunga = Tabungan + Deposito + Simpanan dari Bank Lain + Pinjaman Diterima + Pinjaman Subordinasi.
- Penyebut memakai saldo akhir periode, bukan rata-rata, karena data saldo bulanan tidak tersedia di laporan. Bila dana tumbuh pesat sepanjang tahun, CoF akan sedikit lebih rendah dari CoF berbasis rata-rata.
- Yield dan Spread bersifat perkiraan dengan pendekatan yang sama (saldo akhir). Tidak ada ambang batas OJK untuk Cost of Funds, sehingga tidak diberi label sehat/tidak sehat.
CKPN Wajib Dibentuk (Expected Credit Loss)
Sumber data: Laporan PINR0C85 — Metode PD: Migration Analysis, Metode LGD: Expected Recoveries
Total CKPN Wajib Dibentuk
Rp 910.072.361
CKPN yang Telah Dibentuk
Rp 910.072.361
Selisih
Kelebihan Rp 0
Rincian Rekap per Kolektibilitas
| Kolektibilitas | Rekening | Saldo | PPAP WD | CKPN WD |
|---|---|---|---|---|
| Lancar | 170 | Rp 137.152.367.153 | Rp 578.270.927 | Rp 81.176.182 |
| Dalam Perhatian Khusus | 14 | Rp 12.008.624.150 | Rp 81.847.095 | Rp 288.839.848 |
| Kurang Lancar | 0 | Rp 0 | Rp 0 | Rp 0 |
| Diragukan | 1 | Rp 272.208.193 | Rp 0 | Rp 0 |
| Macet | 10 | Rp 2.754.942.115 | Rp 106.627.685 | Rp 540.056.331 |
| Jumlah | 195 | Rp 152.188.141.611 | Rp 766.745.707 | Rp 910.072.361 |
PPAP WD: penyisihan menurut metode lama (persentase tetap per kolektibilitas). CKPN WD: penyisihan menurut PSAK 71 (Probability of Default × Loss Given Default). Dashboard menampilkan kedua angka apa adanya dari laporan.
Tabel Rincian CKPN per Debitur
Hasil parsing laporan PINR0C85 — seluruh kolektibilitas (1–5)
| No | No Rekening | Nama Nasabah | Produk | Saldo | PPAP WD | CKPN WD | Kolek |
|---|---|---|---|---|---|---|---|
| 1 | 888-4-03521-8 | HARYANTO | S3-SINDIKASI-PRK | Rp 196.294.492 | Rp 0 | Rp 46.818.498 | Kol 5 |
| 2 | 888-4-03666-4 | YUDI SENTIOKO | P6-PTA-KTA (F) | Rp 6.988.913 | Rp 6.988.913 | Rp 1.977.869 | Kol 5 |
| 3 | 888-4-03675-3 | LILY GUNARTI | P6-PTA-KTA (F) | Rp 34.352.353 | Rp 34.352.353 | Rp 9.721.747 | Kol 5 |
| 4 | 888-4-03686-9 | FREDDY W PODUNG | P6-PTA-KTA (F) | Rp 8.707.991 | Rp 8.707.991 | Rp 2.464.369 | Kol 5 |
| 5 | 888-4-03720-2 | NASARUDDIN | K1-PTA P-S IN ARRE | Rp 30.227.770 | Rp 30.227.770 | Rp 7.209.671 | Kol 5 |
| 6 | 888-4-03721-0 | NASARUDDIN | P1-PRK | Rp 26.350.658 | Rp 26.350.658 | Rp 6.284.935 | Kol 5 |
| 7 | 888-4-03879-9 | HIKMAH | S2-SINDIKASI-PTA | Rp 202.020.000 | Rp 0 | Rp 48.184.097 | Kol 5 |
| 8 | 888-4-03971-1 | KARTIKA JAYAKARTA MEDIKA PT | S2-SINDIKASI-PTA | Rp 500.000.000 | Rp 0 | Rp 0 | Kol 5 |
| 9 | 888-4-04009-2 | SENDI BUDIWAN UMAR | P1-PRK | Rp 550.000.000 | Rp 0 | Rp 131.181.336 | Kol 5 |
| 10 | 888-4-04042-4 | MURTI CAHAYA WIRASABA PT | S3-SINDIKASI-PRK | Rp 1.199.999.938 | Rp 0 | Rp 286.213.809 | Kol 5 |
Perbandingan dengan Tahun Sebelumnya (YoY)
Bandingkan posisi periode berjalan dengan periode yang sama pada tahun lalu.
Belum ada data tahun lalu
Klik Muat Data Tahun Lalu, lalu pilih salah satu:
- file TXT laporan core banking periode yang sama tahun lalu (
pinr0141,aktr0029,aktrm62d,aktrw62e, dst. — bisa banyak file sekaligus), atau - file JSON hasil tombol Simpan dari tahun lalu (misalnya
Data-BPR-30-September-2025.json).
Data pembanding ikut tersimpan saat Anda klik Simpan / HTML, dan ikut terhapus saat Refresh.
Periode ini: -
Pembanding (1 tahun sebelumnya): -
Hijau = membaik, merah = memburuk (beban, NPL, BOPO: turun dianggap baik).
Posisi Neraca (Rp Miliar)
Laba Rugi Tahun Berjalan (Rp Juta)
Laba/Rugi Sebelum Pajak per Bulan (Rp Juta)
Dibandingkan berdasarkan urutan bulan pada laporan AKTRM62D masing-masing periode.
Rasio Kinerja & Kesehatan
| Komponen | Periode Ini |
Tahun Lalu |
Selisih | Perubahan |
|---|
Neraca
| Komponen | Periode Ini |
Tahun Lalu |
Selisih | Perubahan |
|---|
Laba Rugi
| Komponen | Periode Ini |
Tahun Lalu |
Selisih | Perubahan |
|---|
Kualitas Kredit (Baki Debet & Rekening)
| Komponen | Periode Ini |
Tahun Lalu |
Selisih | Perubahan |
|---|
Tool Update Data Dashboard (.TXT)
Silakan upload satu atau beberapa file teks hasil eksport core banking seperti pinr0141.txt, pinr0c85.txt, aktr0029.txt, aktrw62e.txt, aktrm62g.txt, aktrm62d.txt, aktrm062.txt, aktrk62a.txt, aktr0007.txt.
Parser internal di browser Anda akan secara otomatis mengekstrak informasi yang dibutuhkan.
Data Dashboard Berhasil Diperbarui dari 11 file!