{"id":5595,"date":"2025-03-08T20:45:47","date_gmt":"2025-03-08T13:45:47","guid":{"rendered":"https:\/\/regular-investor.com\/?p=5595"},"modified":"2025-03-08T20:45:50","modified_gmt":"2025-03-08T13:45:50","slug":"btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh","status":"publish","type":"post","link":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/","title":{"rendered":"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh"},"content":{"rendered":"\n<p><strong>Kinerja Laba BTN Menurun Signifikan<\/strong> PT Bank Tabungan Negara Tbk (BTN) memulai 2025 dengan penurunan laba yang tajam. Berdasarkan laporan keuangan yang dirilis pada Jumat (7\/3), laba tahun berjalan BTN pada Januari 2025 hanya Rp101,6 miliar. Angka ini merosot hingga 63,10% dibandingkan periode yang sama tahun sebelumnya, dengan laba sebesar Rp275,52 miliar.<\/p>\n\n\n\n<p><strong>Peningkatan Provisi Menekan Profitabilitas<\/strong> Salah satu faktor utama yang menekan kinerja BTN adalah lonjakan beban kerugian penurunan nilai aset (impairment) atau provisi. Pada Januari 2025, provisi BTN meningkat 43,63% menjadi Rp325,54 miliar dibandingkan tahun sebelumnya.<\/p>\n\n\n\n<p><strong>Pendapatan Bunga dan Beban Bunga<\/strong> Pendapatan bunga BTN tercatat sebesar Rp2,36 triliun, turun 10,12% secara tahunan. Sementara itu, beban bunga sedikit menurun, yaitu sebesar 0,29% menjadi Rp1,51 triliun. Akibatnya, pendapatan bunga bersih BTN tertekan hingga 24,04% YoY menjadi Rp853,79 miliar.<\/p>\n\n\n\n<p>Baca Juga : <a href=\"https:\/\/regular-investor.com\/index.php\/2025\/02\/12\/kinerja-dan-prospek-pt-bank-amar-indonesia-tbk-amar-di-tahun-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kinerja dan Prospek PT Bank Amar Indonesia Tbk (AMAR) di Tahun 2025<\/a><\/p>\n\n\n\n<p><strong>Pendapatan Komisi Memberikan Harapan<\/strong> Di tengah penurunan laba, pendapatan dari komisi dan fee menunjukkan pertumbuhan positif. BTN mencatat kenaikan sebesar 35,27% YoY menjadi Rp123,87 miliar. Sayangnya, peningkatan ini belum cukup untuk mengimbangi penurunan di area lainnya.<\/p>\n\n\n\n<p><strong>Laba Operasional dan Penghasilan Komprehensif<\/strong> Secara operasional, BTN mencatat laba sebesar Rp325,54 miliar. Namun, setelah memperhitungkan pajak dan faktor lainnya, laba bersih BTN hanya Rp125,5 miliar. Dengan penghasilan komprehensif tambahan sebesar Rp101,67 miliar, total laba komprehensif mencapai Rp184,78 miliar.<\/p>\n\n\n\n<p><strong>Rasio Profitabilitas Mengalami Penurunan<\/strong> Penurunan laba turut memengaruhi rasio profitabilitas BTN. Return on Asset (ROA) turun dari 0,06% menjadi 0,02%. Sementara itu, Return on Equity (ROE) menyusut dari 0,90% menjadi 0,31% pada Januari 2025.<\/p>\n\n\n\n<p><strong>Pertumbuhan Aset dan Dana Pihak Ketiga (DPK)<\/strong> Di sisi positif, BTN mencatat pertumbuhan aset yang solid. Total aset mencapai Rp454,02 triliun, meningkat 4,73% YoY. Liabilitas tumbuh 4,52% menjadi Rp421,24 triliun, dan ekuitas meningkat 7,52% menjadi Rp32,77 triliun.<\/p>\n\n\n\n<p>Dana pihak ketiga (DPK) juga tumbuh 8,78% YoY menjadi Rp374,46 triliun. Kenaikan ini didorong oleh pertumbuhan giro sebesar 12,62% YoY menjadi Rp152,69 triliun dan deposito yang meningkat 7,67% YoY menjadi Rp179,78 triliun. Tabungan masyarakat hanya tumbuh tipis 0,74% YoY menjadi Rp41,98 triliun.<\/p>\n\n\n\n<p><strong>Rasio CASA Meningkat Tipis<\/strong> Komposisi dana murah atau current account saving account (CASA) BTN meningkat 50 basis poin (bps) menjadi 51,99%, dari sebelumnya 51,49%.<\/p>\n\n\n\n<p><strong>Kesimpulan<\/strong> Meskipun awal tahun 2025 menjadi periode penuh tantangan bagi BTN, bank ini tetap mencatatkan pertumbuhan di sisi aset dan dana pihak ketiga. Fokus pada pengelolaan biaya dan strategi efisiensi akan menjadi kunci untuk meningkatkan kinerja ke depannya.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kinerja Laba BTN Menurun Signifikan PT Bank Tabungan Negara Tbk (BTN) memulai 2025 dengan penurunan laba yang tajam. Berdasarkan laporan keuangan yang dirilis pada Jumat (7\/3), laba tahun berjalan BTN pada Januari 2025 hanya Rp101,6 miliar. Angka ini merosot hingga 63,10% dibandingkan periode yang sama tahun sebelumnya, dengan laba sebesar Rp275,52 miliar. Peningkatan Provisi Menekan [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5596,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[288],"tags":[1293,2955,3189],"class_list":["post-5595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market","tag-bank-btn","tag-bbtn","tag-pt-bank-tabungan-negara-persero-tbk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh - Regular-investor.com<\/title>\n<meta name=\"description\" content=\"PT Bank Tabungan Negara Tbk (BTN) menghadapi awal 2025 dengan penurunan laba hingga 63% akibat peningkatan provisi. Simak analisis lengkap kinerja keuangannya, dari pertumbuhan aset hingga rasio CASA.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh - Regular-investor.com\" \/>\n<meta property=\"og:description\" content=\"PT Bank Tabungan Negara Tbk (BTN) menghadapi awal 2025 dengan penurunan laba hingga 63% akibat peningkatan provisi. Simak analisis lengkap kinerja keuangannya, dari pertumbuhan aset hingga rasio CASA.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/\" \/>\n<meta property=\"og:site_name\" content=\"Regular-investor.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/regularinvestorscom\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-08T13:45:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-08T13:45:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/regular-investor.com\/wp-content\/uploads\/2025\/03\/Bank-Tabungan-Negara-BTN.png\" \/>\n\t<meta property=\"og:image:width\" content=\"843\" \/>\n\t<meta property=\"og:image:height\" content=\"474\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Regular Investors\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@rinvestorcom\" \/>\n<meta name=\"twitter:site\" content=\"@rinvestorcom\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Regular Investors\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/\"},\"author\":{\"name\":\"Regular Investors\",\"@id\":\"https:\\\/\\\/regular-investor.com\\\/#\\\/schema\\\/person\\\/1576dc325e2683ab95d1eab23339f261\"},\"headline\":\"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh\",\"datePublished\":\"2025-03-08T13:45:47+00:00\",\"dateModified\":\"2025-03-08T13:45:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/\"},\"wordCount\":374,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regular-investor.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Bank-Tabungan-Negara-BTN.png\",\"keywords\":[\"bank btn\",\"BBTN\",\"PT Bank Tabungan Negara (Persero) Tbk\"],\"articleSection\":[\"Market\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/\",\"url\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/\",\"name\":\"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh - Regular-investor.com\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regular-investor.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Bank-Tabungan-Negara-BTN.png\",\"datePublished\":\"2025-03-08T13:45:47+00:00\",\"dateModified\":\"2025-03-08T13:45:50+00:00\",\"description\":\"PT Bank Tabungan Negara Tbk (BTN) menghadapi awal 2025 dengan penurunan laba hingga 63% akibat peningkatan provisi. Simak analisis lengkap kinerja keuangannya, dari pertumbuhan aset hingga rasio CASA.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/#primaryimage\",\"url\":\"https:\\\/\\\/regular-investor.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Bank-Tabungan-Negara-BTN.png\",\"contentUrl\":\"https:\\\/\\\/regular-investor.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Bank-Tabungan-Negara-BTN.png\",\"width\":843,\"height\":474},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/regular-investor.com\\\/index.php\\\/2025\\\/03\\\/08\\\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/regular-investor.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/regular-investor.com\\\/#website\",\"url\":\"https:\\\/\\\/regular-investor.com\\\/\",\"name\":\"Regular-investor.com\",\"description\":\"You Sleep and Makes Money\",\"publisher\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/#organization\"},\"alternateName\":\"R-INVESTOR\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/regular-investor.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/regular-investor.com\\\/#organization\",\"name\":\"Regular-investor.com\",\"alternateName\":\"R-INVESTOR\",\"url\":\"https:\\\/\\\/regular-investor.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/regular-investor.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/regular-investor.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-Photoroom-20250309_055542.png\",\"contentUrl\":\"https:\\\/\\\/regular-investor.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-Photoroom-20250309_055542.png\",\"width\":512,\"height\":512,\"caption\":\"Regular-investor.com\"},\"image\":{\"@id\":\"https:\\\/\\\/regular-investor.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/regularinvestorscom\",\"https:\\\/\\\/x.com\\\/rinvestorcom\",\"https:\\\/\\\/www.instagram.com\\\/regularinvestorcom\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/regular-investor.com\\\/#\\\/schema\\\/person\\\/1576dc325e2683ab95d1eab23339f261\",\"name\":\"Regular Investors\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b9ba989c7841dd8f6c5b1e0b671094c02cfbc2ae624447be7ba492063d716933?s=96&d=wavatar&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b9ba989c7841dd8f6c5b1e0b671094c02cfbc2ae624447be7ba492063d716933?s=96&d=wavatar&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b9ba989c7841dd8f6c5b1e0b671094c02cfbc2ae624447be7ba492063d716933?s=96&d=wavatar&r=g\",\"caption\":\"Regular Investors\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh - Regular-investor.com","description":"PT Bank Tabungan Negara Tbk (BTN) menghadapi awal 2025 dengan penurunan laba hingga 63% akibat peningkatan provisi. Simak analisis lengkap kinerja keuangannya, dari pertumbuhan aset hingga rasio CASA.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/","og_locale":"en_US","og_type":"article","og_title":"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh - Regular-investor.com","og_description":"PT Bank Tabungan Negara Tbk (BTN) menghadapi awal 2025 dengan penurunan laba hingga 63% akibat peningkatan provisi. Simak analisis lengkap kinerja keuangannya, dari pertumbuhan aset hingga rasio CASA.","og_url":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/","og_site_name":"Regular-investor.com","article_publisher":"https:\/\/facebook.com\/regularinvestorscom","article_published_time":"2025-03-08T13:45:47+00:00","article_modified_time":"2025-03-08T13:45:50+00:00","og_image":[{"width":843,"height":474,"url":"https:\/\/regular-investor.com\/wp-content\/uploads\/2025\/03\/Bank-Tabungan-Negara-BTN.png","type":"image\/png"}],"author":"Regular Investors","twitter_card":"summary_large_image","twitter_creator":"@rinvestorcom","twitter_site":"@rinvestorcom","twitter_misc":{"Written by":"Regular Investors","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/#article","isPartOf":{"@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/"},"author":{"name":"Regular Investors","@id":"https:\/\/regular-investor.com\/#\/schema\/person\/1576dc325e2683ab95d1eab23339f261"},"headline":"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh","datePublished":"2025-03-08T13:45:47+00:00","dateModified":"2025-03-08T13:45:50+00:00","mainEntityOfPage":{"@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/"},"wordCount":374,"commentCount":0,"publisher":{"@id":"https:\/\/regular-investor.com\/#organization"},"image":{"@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/#primaryimage"},"thumbnailUrl":"https:\/\/regular-investor.com\/wp-content\/uploads\/2025\/03\/Bank-Tabungan-Negara-BTN.png","keywords":["bank btn","BBTN","PT Bank Tabungan Negara (Persero) Tbk"],"articleSection":["Market"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/","url":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/","name":"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh - Regular-investor.com","isPartOf":{"@id":"https:\/\/regular-investor.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/#primaryimage"},"image":{"@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/#primaryimage"},"thumbnailUrl":"https:\/\/regular-investor.com\/wp-content\/uploads\/2025\/03\/Bank-Tabungan-Negara-BTN.png","datePublished":"2025-03-08T13:45:47+00:00","dateModified":"2025-03-08T13:45:50+00:00","description":"PT Bank Tabungan Negara Tbk (BTN) menghadapi awal 2025 dengan penurunan laba hingga 63% akibat peningkatan provisi. Simak analisis lengkap kinerja keuangannya, dari pertumbuhan aset hingga rasio CASA.","breadcrumb":{"@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/#primaryimage","url":"https:\/\/regular-investor.com\/wp-content\/uploads\/2025\/03\/Bank-Tabungan-Negara-BTN.png","contentUrl":"https:\/\/regular-investor.com\/wp-content\/uploads\/2025\/03\/Bank-Tabungan-Negara-BTN.png","width":843,"height":474},{"@type":"BreadcrumbList","@id":"https:\/\/regular-investor.com\/index.php\/2025\/03\/08\/btn-awal-2025-penurunan-laba-63-tapi-aset-dan-casa-tetap-tumbuh\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regular-investor.com\/"},{"@type":"ListItem","position":2,"name":"BTN Awal 2025: Penurunan Laba 63%, Tapi Aset dan CASA Tetap Tumbuh"}]},{"@type":"WebSite","@id":"https:\/\/regular-investor.com\/#website","url":"https:\/\/regular-investor.com\/","name":"Regular-investor.com","description":"You Sleep and Makes Money","publisher":{"@id":"https:\/\/regular-investor.com\/#organization"},"alternateName":"R-INVESTOR","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regular-investor.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/regular-investor.com\/#organization","name":"Regular-investor.com","alternateName":"R-INVESTOR","url":"https:\/\/regular-investor.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/regular-investor.com\/#\/schema\/logo\/image\/","url":"https:\/\/regular-investor.com\/wp-content\/uploads\/2025\/03\/cropped-Photoroom-20250309_055542.png","contentUrl":"https:\/\/regular-investor.com\/wp-content\/uploads\/2025\/03\/cropped-Photoroom-20250309_055542.png","width":512,"height":512,"caption":"Regular-investor.com"},"image":{"@id":"https:\/\/regular-investor.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/regularinvestorscom","https:\/\/x.com\/rinvestorcom","https:\/\/www.instagram.com\/regularinvestorcom\/"]},{"@type":"Person","@id":"https:\/\/regular-investor.com\/#\/schema\/person\/1576dc325e2683ab95d1eab23339f261","name":"Regular Investors","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/b9ba989c7841dd8f6c5b1e0b671094c02cfbc2ae624447be7ba492063d716933?s=96&d=wavatar&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b9ba989c7841dd8f6c5b1e0b671094c02cfbc2ae624447be7ba492063d716933?s=96&d=wavatar&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b9ba989c7841dd8f6c5b1e0b671094c02cfbc2ae624447be7ba492063d716933?s=96&d=wavatar&r=g","caption":"Regular Investors"}}]}},"jetpack_publicize_connections":[],"_links":{"self":[{"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/posts\/5595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/comments?post=5595"}],"version-history":[{"count":1,"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/posts\/5595\/revisions"}],"predecessor-version":[{"id":5597,"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/posts\/5595\/revisions\/5597"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/media\/5596"}],"wp:attachment":[{"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/media?parent=5595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/categories?post=5595"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regular-investor.com\/index.php\/wp-json\/wp\/v2\/tags?post=5595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}