{"id":11579,"date":"2024-03-22T12:23:00","date_gmt":"2024-03-22T05:23:00","guid":{"rendered":"https:\/\/businessupdate.id\/?p=11579"},"modified":"2024-03-22T11:24:50","modified_gmt":"2024-03-22T04:24:50","slug":"bank-jago-cetak-laba-bersih-rp7236-miliar-sepanjang-2023","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=11579","title":{"rendered":"Bank Jago Cetak Laba Bersih Rp72,36 Miliar Sepanjang 2023"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211; <\/strong>PT Bank Jago Tbk. (ARTO) mencetak laba bersih Rp72,36 miliar sepanjang 2023, meningkat 354,74% (yoy) dari periode sebelumnya Rp15,91 miliar pada 2022.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan laporan keuangan yang dipublikasikan, laba Bank Jago didorong oleh pendapatan bunga bersih (<em>net interest income<\/em>\/NII) sebesar Rp1,57 triliun, tumbuh 15,7% yoy dari sebelumnya Rp1,35 triliun.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kemudian, pendapatan berbasis komisi (<em>fee based income<\/em>) juga naik 39,66% yoy menjadi Rp19,33 miliar dibanding sebelumnya Rp13,84 miliar ada 2022. Pendapatan lainnya melonjak 176,85% menjadi Rp177,7 miliar dari sebelumnya Rp64,19 miliar pada 2022.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain itu, Bank Jago juga berhasil menekan beban operasional terhadap pendapatan operasional (BOPO) 336 basis poin (bps) menjadi 95,83% pada 2023 dari 99,19% pada 2022. Makin kecil BOPO menunjukkan semakin efisiennya perbankan dalam menjalankan usahanya.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tercatat rasio margin bunga bersih (<em>net interest margin<\/em>\/NIM) berada di level 9,45% dari sebelumnya 10,45% pada 2022. Rasio profitabilitas bank pun membaik. Tercatat, rasio imbal balik ekuitas (<em>return on equity<\/em>\/ROE) Bank Jago naik 81 bps menjadi 1,02% dari level 0,21%. Rasio imbal balik aset (<em>return on asset<\/em>\/ROA) bank juga naik 35 bps menjadi 0,49% dari sebelumnya 0,14%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada penyaluran kredit, Bank Jago juga mencatatkan pertumbuhan. Jumlah pinjaman pada akhir 2023 mencapai Rp13 triliun atau meningkat 38% dari akhir 2022 yang sebesar Rp9,4 triliun. Alhasil, hingga akhir 2023 Bank Jago berhasil membukukan aset Rp21,3 triliun atau tumbuh 26% dari tahun sebelumnya yang sebesar Rp17 triliun.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seiring dengan peningkatan penyaluran kredit, rasio kredit bermasalah atau <em>non-performing loan<\/em> (NPL) gross berada di level 0,84% pada 2023, turun 98 bps dari sebelumnya 1,82% pada 2023. NPL net juga susut 50 bps menjadi 0,05% dari sebelumnya 0,55% pada 2022.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedangkan, dari segi pendanaan jumlah Dana Pihak Ketiga (DPK) mencapai Rp12,1 triliun atau tumbuh 46% dibandingkan dengan perolehan pada akhir 2022 yang sebesar Rp8,3 triliun. Lebih dari 65% DPK berasal dari <em>current account and savings account<\/em> (CASA) atau yang mencapai Rp7,9 triliun sedangkan 34,7% atau Rp4,2 triliun merupakan simpanan nasabah dalam bentuk deposito.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rasio kecukupan modal atau <em>capital adequacy ratio<\/em> (CAR) mencapai 62%, menunjukkan kuatnya tingkat permodalan untuk mendukung ekspansi bisnis ke depan. Pada akhir 2023 jumlah nasabah Bank Jago mencapai 10,2 juta nasabah, termasuk 8,1 juta nasabah <em>funding<\/em> pengguna Aplikasi Jago. Jumlah pengguna Aplikasi Jago bertambah 3 juta nasabah, dibandingkan dengan posisi akhir 2022 yang sebanyak 5,1 juta nasabah.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Utama Bank Jago Arief Harris Tandjung mengatakan pertumbuhan nasabah Bank Jago tidak terlepas dari konsistensi inovasi dan kolaborasi dengan ekosistem digital.&nbsp; Sejak awal Bank Jago konsisten mengedepankan inovasi dan kolaborasi dengan ekosistem digital sebagai unique value proposition perseroan.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKolaborasi dengan mitra strategis kami, termasuk ekosistem GoTo, menjadi pintu masuk nasabah untuk mengakses produk dan layanan perbankan Jago,\u201d jelas Arief melalui keterangan tertulis, Jumat (22\/3\/2024). (rn\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Jago Tbk. (ARTO) mencetak laba bersih Rp72,36 miliar sepanjang 2023, meningkat 354,74% (yoy) dari periode sebelumnya Rp15,91 miliar pada 2022.&nbsp; Berdasarkan laporan keuangan yang dipublikasikan, laba Bank Jago didorong oleh pendapatan bunga bersih (net interest income\/NII) sebesar Rp1,57 triliun, tumbuh 15,7% yoy dari sebelumnya Rp1,35 triliun.&nbsp;&nbsp;&nbsp; Kemudian, pendapatan berbasis komisi (fee [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":11580,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,1370,6453,377,1161],"class_list":["post-11579","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank","tag-bersih","tag-jago","tag-keuangan","tag-laporan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Jago Cetak Laba Bersih Rp72,36 Miliar Sepanjang 2023 - 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=11579\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Jago Cetak Laba Bersih Rp72,36 Miliar Sepanjang 2023 - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Jago Tbk. (ARTO) mencetak laba bersih Rp72,36 miliar sepanjang 2023, meningkat 354,74% (yoy) dari periode sebelumnya Rp15,91 miliar pada 2022.&nbsp; Berdasarkan laporan keuangan yang dipublikasikan, laba Bank Jago didorong oleh pendapatan bunga bersih (net interest income\/NII) sebesar Rp1,57 triliun, tumbuh 15,7% yoy dari sebelumnya Rp1,35 triliun.&nbsp;&nbsp;&nbsp; Kemudian, pendapatan berbasis komisi (fee [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=11579\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-22T05:23:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-22T04:24:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/03\/Bank_Jago-e1711081466336.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1192\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rahman N\" \/>\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\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=11579\",\"url\":\"https:\/\/businessupdate.id\/?p=11579\",\"name\":\"Bank Jago Cetak Laba Bersih Rp72,36 Miliar Sepanjang 2023 - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-03-22T05:23:00+00:00\",\"dateModified\":\"2024-03-22T04:24:50+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=11579#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=11579\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=11579#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bank Jago Cetak Laba Bersih Rp72,36 Miliar Sepanjang 2023\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Bank Jago Cetak Laba Bersih Rp72,36 Miliar Sepanjang 2023 - Businessupdate.id","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:\/\/businessupdate.id\/?p=11579","og_locale":"en_US","og_type":"article","og_title":"Bank Jago Cetak Laba Bersih Rp72,36 Miliar Sepanjang 2023 - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Jago Tbk. 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