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20240802_BGTG_Laporan Informasi dan Fakta Material_31690403_lamp1.pdf
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Page 1
SIARAN PERS
Kinerja Keuangan PT Bank Ganesha Tbk
Semester I tahun 2024
‘’Laba bersih meningkat 94% pada Semester I tahun 2024 secara year-on-year (YoY), kinerja Bank
Ganesha tetap bertumbuh sepanjang tahun 2024’’.
Jakarta – Sebagai upaya optimalisasi potensi untuk pertumbuhan yang berkelanjutan, kinerja keuangan
Bank Ganesha Bank Ganesha (“Perseroan”) sampai dengan pertengahan tahun 2024 ini masih baik
dengan berhasil mencatatkan pertumbuhan laba yang signifikan secara year-on-year (YoY).
Dari sisi total asset, meskipun asset Perseroan mengalami penurunan pada semester I tahun 2024
sebesar -3,06% secara year-to-date (YtD) menjadi sebesar Rp9,11 triliun, namun mengalami
peningkatan sebesar 20,23% dibandingkan periode yang sama tahun sebelumnya (YoY). Sedangkan dari
sisi penghimpunan Dana Pihak Ketiga (DPK) sepanjang semester I 2024 tercatat sebesar Rp5,66 triliun,
secara YtD turun -5,48%, namun secara YoY meningkat sebesar 32%. Untuk penyaluran kredit terdapat
pertumbuhan sepanjang semester I 2024 menjadi sebesar Rp4,37 triliun atau meningkat 0,84% (YtD)
dan 15,91% (YoY).
Dari sisi rasio rentabilitas, Perseroan mencatatkan peningkatan Return on Asset (ROA) dan Return on
Equity (ROE) masing-masing menjadi sebesar 1,69% dan 3,83% (YoY) atau meningkat dibandingkan
periode yang sama tahun sebelumnya, yaitu sebesar 0,91% dan 2,13%. Sedangkan untuk Net Interest
Margin (NIM), meskipun mengalami penurunan menjadi sebesar 5,55% (YoY) namun pendapatan bunga
bersih Perseroan mengalami pertumbuhan sebesar 4,81% (YoY) dibandingkan periode yang sama tahun
sebelumnya. Hal ini ditopang oleh penurunan NPL gross dari 1,75% di semester I tahun 2023 menjadi
1,42% di semester I tahun 2024. Dengan demikian, Perseroan dapat membukukan laba setelah pajak
menjadi sebesar Rp60,26 milyar atau meningkat 94,33% (YoY) dibandingkan periode yang sama tahun
sebelumnya.
Sejalan dengan arah stratejik Perseroan untuk mengembangkan layanan perbankan berbasis digital,
maka penyaluran kredit Perseroan akan lebih fokus pada bisnis konvensional dan digital services yang
sehat, serta fokus kepada UMKM melalui kolaborasi dengan fintech, kerjasama channeling dan joint
financing. Sementara untuk penghimpunan dana pihak ketiga akan fokus pada peningkatan stabilitas
dana ritel, melalui optimalisasi produk eksisting dan pengembangan fitur layanan berbasis digital.
Tentang Bank Ganesha
Bank Ganesha merupakan bank swasta Nasional yang beroperasi sejak 30 April 1992 dan memperoleh status Bank
Devisa sejak 12 September 1995. Bank Ganesha menjadi perusahaan terbuka dan tercatat di Bursa Efek Indonesia
sejak 12 Mei 2016 dengan kode emiten: BGTG. Sejak tahun 2018, Bank Ganesha telah memberikan layanan digital
dengan menghadirkan internet/mobile banking yang dinamakan “BANGGA”. Per 30 Juni 2024, Bank Ganesha telah
memiliki jaringan 6 kantor cabang dan 4 kantor capem yang berlokasi di Jakarta, Tangerang dan Surabaya.
Informasi lebih lanjut:
PT Bank Ganesha Tbk
Corporate Secretary
Email: corpsect@bankganesha.co.id
website: www.bankganesha.co.id
Page 2
PRESS RELEASE
Financial Performance of PT Bank Ganesha Tbk
First Semester of 2024
''Net profit increased 94% in the first semester of 2024 on a year-on-year (YoY) basis, Bank Ganesha's
performance continues to grow throughout 2024''.
Jakarta - In an effort to optimize the potential for sustainable growth, Bank Ganesha Bank Ganesha's
("the Company") financial performance until mid-2024 is still good by successfully recording significant
profit growth year-on-year (YoY).
In terms of total assets, although the Company's assets decreased in the first semester of 2024 by -
3.06% year-to-date (YtD) to Rp9.11 trillion, but increased by 20.23% compared to the same period the
previous year (YoY). Meanwhile, in terms of Third Party Funds collection during the first semester of
2024 was recorded at Rp5.66 trillion, YtD down -5.48%, but YoY increased by 32%. For lending, there
was growth during the first semester of 2024 to Rp4.37 trillion, an increase of 0.84% (YtD) and 15.91%
(YoY).
In terms of profitability ratios, the Company recorded an increase in Return on Asset (ROA) and Return
on Equity (ROE) to 1.69% and 3.83% (YoY) respectively or an increase compared to the same period the
previous year, which amounted to 0.91% and 2.13%. As for Net Interest Margin (NIM), although it
decreased to 5.55% (YoY), the Company's net interest income grew by 4.81% (YoY) compared to the
same period the previous year. This was supported by a decrease in gross NPL from 1.75% in the first
semester of 2023 to 1.42% in the first semester of 2024. Thus, the Company was able to book a profit
after tax of Rp60.26 billion or an increase of 94.33% (YoY) compared to the same period the previous
year.
In line with the Company's strategic direction to develop digital-based banking services, the Company's
lending will focus more on conventional businesses and healthy digital services, as well as focus on
MSMEs through collaboration with fintech, channeling cooperation and joint financing. Meanwhile,
third party fundraising will focus on increasing the stability of retail funds, through optimization of
existing products and development of digital-based service features.
About Bank Ganesha
Bank Ganesha is a national private bank that has been operating since April 30, 1992 and obtained Foreign
Exchange Bank status since September 12, 1995. Bank Ganesha became a public company and listed on the
Indonesia Stock Exchange since May 12, 2016 with the ticker code: BGTG. Since 2018, Bank Ganesha has provided
digital services by presenting internet/mobile banking called "BANGGA". As of June 30, 2024, Bank Ganesha has a
network of 6 branch offices and 4 sub-branch offices located in Jakarta, Tangerang and Surabaya.
Further information:
PT Bank Ganesha Tbk
Corporate Secretary
Email: corpsect@bankganesha.co.id
Website: www.bankganesha.co.id
Names mentioned 7 people and organisations named in the text · linked when the evidence is strong
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