{"id":10488,"date":"2024-01-17T15:26:29","date_gmt":"2024-01-17T08:26:29","guid":{"rendered":"https:\/\/businessupdate.id\/?p=10488"},"modified":"2024-01-17T15:26:33","modified_gmt":"2024-01-17T08:26:33","slug":"laba-bersih-bank-jatim-sepanjang-2023-capai-rp147-triliun-turun-tipis","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=10488","title":{"rendered":"Laba Bersih Bank Jatim Sepanjang 2023 capai Rp1,47 Triliun, Turun Tipis\u00a0"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> Laba bersih PT Bank Pembangunan Daerah Jawa Timur Tbk. atau Bank Jatim sepanjang 2023 mencapai&nbsp; Rp1,47 triliun. Capaian tersebut turun 4,54% secara tahunan (yoy) dibandingkan laba bersih sepanjang 2022 sebesar Rp1,54 triliun.&nbsp;<\/p>\n\n\n\n<p>Berdasarkan laporan tahunan, Bank Jatim sebenarnya mencatatkan peningkatan pendapatan bunga bersih (<em>net interest income<\/em>\/NII) 2,64% secara tahunan dari Rp4,91 triliun pada 2022 menjadi Rp5,04 triliun pada 2023.&nbsp;<\/p>\n\n\n\n<p>Margin bunga bersih (<em>net interest margin<\/em>\/NIM) pun naik dari 5,11% menjadi 5,57%. Namun, Bank Jatim mencatatkan pembengkakan pada beban operasional lainnya 9,42% yoy dari Rp3,5 triliun menjadi Rp3,83 triliun. Biaya operasional terhadap pendapatan operasional (BOPO) bank pun naik dari 76,15% menjadi 77,27%.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Adapun, tingkat pengembalian aset (<em>return on asset<\/em>\/ROA) Bank Jatim turun dari 1,95% menjadi 1,87%. Tingkat pengembalian ekuitas (<em>return on equity<\/em>\/ROE) juga turun dari 16,24% menjadi 13,96%.&nbsp;<\/p>\n\n\n\n<p>Dari sisi intermediasi, Bank Jatim telah menyalurkan kredit Rp53,39 triliun sepanjang 2023, tumbuh 18,98% yoy. Aset pun naik tipis 0,8% yoy menjadi Rp103,85 triliun.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Pertumbuhan kredit diiringi perbaikan kualitas aset, di mana rasio kredit bermasalah (<em>non performing loan<\/em>\/NPL) <em>gross<\/em> Bank Jatim turun dari 2,83% pada 2022 ke 2,49% pada 2023.&nbsp;<\/p>\n\n\n\n<p>Dari sisi pendanaan, Bank Jatim memperoleh jumlah simpanan nasabah Rp75,84 triliun pada 2023, turun dari jumlah simpanan nasabah per 2022 sebesar Rp79,92 triliun.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Direktur Utama Bank Jatim Busrul Iman menjelaskan secara umum Bank Jatim telah memenuhi harapan para pemangku kepentingan pada 2023. Berbagai target yang telah ditetapkan telah terealisasi pada 2023. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Laba bersih PT Bank Pembangunan Daerah Jawa Timur Tbk. atau Bank Jatim sepanjang 2023 mencapai&nbsp; Rp1,47 triliun. Capaian tersebut turun 4,54% secara tahunan (yoy) dibandingkan laba bersih sepanjang 2022 sebesar Rp1,54 triliun.&nbsp; Berdasarkan laporan tahunan, Bank Jatim sebenarnya mencatatkan peningkatan pendapatan bunga bersih (net interest income\/NII) 2,64% secara tahunan dari Rp4,91 triliun pada [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":10341,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,82],"tags":[426,1370,2833,522,377,553,1161],"class_list":{"0":"post-10488","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-bumd","9":"tag-bank","10":"tag-bersih","11":"tag-jatim","12":"tag-jawa","13":"tag-keuangan","14":"tag-laba","15":"tag-laporan"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Laba Bersih Bank Jatim Sepanjang 2023 capai Rp1,47 Triliun, Turun Tipis\u00a0 - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=10488\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Laba Bersih Bank Jatim Sepanjang 2023 capai Rp1,47 Triliun, Turun Tipis\u00a0 - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Laba bersih PT Bank Pembangunan Daerah Jawa Timur Tbk. atau Bank Jatim sepanjang 2023 mencapai&nbsp; Rp1,47 triliun. 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