{"id":13701,"date":"2024-07-30T16:42:39","date_gmt":"2024-07-30T09:42:39","guid":{"rendered":"https:\/\/businessupdate.id\/?p=13701"},"modified":"2024-07-30T16:42:44","modified_gmt":"2024-07-30T09:42:44","slug":"aset-bank-bjb-kuartal-ii-2024-capai-2073-triliun","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=13701","title":{"rendered":"Aset Bank BJB Kuartal II\/2024 Capai 207,3 Triliun"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> Direktur Utama bank bjb Yuddy Renaldi mengatakan, pada kuartal atau triwulan II\/2024 aset perseroan tumbuh 16,6% secara tahunan (yoy) atau sebesar Rp207,3 triliun.<\/p>\n\n\n\n<p>&#8220;Ini mengantarkan bank bjb selangkah lagi menjadi 10 bank terbesar di Indonesia,&#8221; ujar Yuddy melalui keterangan tertulis, Selasa (30\/7\/2024).<\/p>\n\n\n\n<p>Ia menambahkan, untuk penyaluran kredit, mereka melakukan selektif sehingga membantu bank bjb menjaga kualitas asetnya. Caranya dengan fokus pada segmen yang memiliki yield lebih tinggi untuk mengimbangi tekanan biaya dana.<\/p>\n\n\n\n<p>Sedangkan untuk Dana Pihak Ketiga (DPK), bank bjb menjaga keseimbangan dengan penyaluran kredit. Hingga akhir Juni 2024, DPK bank bjb tercatat sebesar Rp150,2 trilliun, tumbuh 16,4% yoy. &#8220;<em>Loan to Deposit Ratio<\/em> (LDR) kami tetap optimal di level 86,2%,&#8221; jelas Yuddy.<\/p>\n\n\n\n<p>Yuddy mengungkapkan, kinerja bank bjb dari sisi kredit dan pembiayaan, tumbuh 12,2% yoy atau sebesar Rp136,1 triliun. Adapun rasio kredit bermasalah (<em>Non-Performing Loan<\/em>\/NPL) tetap terkendali pada level 1,5% dengan <em>coverage<\/em> level mencapai 105,8%.<\/p>\n\n\n\n<p>Sementara itu, rasio permodalan (<em>Capital Adequacy Ratio<\/em>\/CAR) berada di level 17,2%, menunjukkan ketahanan permodalan yang kuat.<\/p>\n\n\n\n<p>Dari sisi profitabilitas, bank bjb mencatatkan laba Rp931 miliar hingga akhir Juni 2024. \u201cCapaian laba diiringi dengan efisiensi operasional yang kami lakukan,&#8221; jelas Yuddy dalam <em>earnings call<\/em> Triwulan II 2024.<\/p>\n\n\n\n<p>Bank bjb juga terus mendorong pendapatan berbasis fee (<em>fee-based income<\/em>) yang menjadi salah satu fokus utama perusahaan.<\/p>\n\n\n\n<p>Dalam upaya meningkatkan efisiensi, bank bjb mengimplementasikan teknologi dalam operasionalnya.Bank bjb mengembangkan layanan berbasis teknologi untuk meningkatkan efektivitas dan efisiensi, serta mengurangi risiko <em>human error<\/em>. Penerapan teknologi ini juga membantu bank bjb dalam menjaga biaya operasional tetap terkendali.<\/p>\n\n\n\n<p>Ekosistem digital bank bjb terus berkembang pesat. Hingga Juni 2024, jumlah pengguna aplikasi DIGI Mobile mencapai 2,03 juta pengguna, meningkat 36,4% dibanding tahun sebelumnya.<\/p>\n\n\n\n<p>Selain itu, jumlah merchant yang menggunakan QRIS bank bjb juga mengalami peningkatan 19,7%, mencapai 1,15 juta merchant pada akhir Juni 2024. Pertumbuhan ini menunjukkan bahwa layanan bank bjb semakin diterima masyarakat luas.<\/p>\n\n\n\n<p>Di sisi lain, bank bjb terus memperkuat kualitas layanan di kantor cabang dan mengembangkan fitur-fitur digital untuk memberikan pengalaman perbankan yang <em>seamless<\/em>. Misal, Digital Loan untuk produk kredit berbasis payroll ASN yang disebut \u201cbjb Pisan\u201d atau Pinjaman ASN.<\/p>\n\n\n\n<p>Di fase pertama, layanan yang diberikan terbatas untuk <em>loan renewal<\/em> atas kredit berbasis payroll. Aplikasi ini memberikan nilai maksimal pre-approval yang dapat diperoleh debitur, lalu seluruh proses akan dilalui sepenuhnya melalui aplikasi, termasuk upload dokumen persyaratan, verifikasi, <em>digital signature<\/em> hingga <em>disbursement<\/em>. (ip\/jh. Foto: Dok. bank bjb)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Direktur Utama bank bjb Yuddy Renaldi mengatakan, pada kuartal atau triwulan II\/2024 aset perseroan tumbuh 16,6% secara tahunan (yoy) atau sebesar Rp207,3 triliun. &#8220;Ini mengantarkan bank bjb selangkah lagi menjadi 10 bank terbesar di Indonesia,&#8221; ujar Yuddy melalui keterangan tertulis, Selasa (30\/7\/2024). Ia menambahkan, untuk penyaluran kredit, mereka melakukan selektif sehingga membantu bank [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":13702,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,82],"tags":[434,426,133,3532,522,1775,770,553,1007],"class_list":{"0":"post-13701","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-bumd","9":"tag-aset","10":"tag-bank","11":"tag-banten","12":"tag-bjb","13":"tag-jawa","14":"tag-kinerja","15":"tag-kuartal","16":"tag-laba","17":"tag-pendapatan"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Aset Bank BJB Kuartal II\/2024 Capai 207,3 Triliun - 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=13701\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aset Bank BJB Kuartal II\/2024 Capai 207,3 Triliun - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Direktur Utama bank bjb Yuddy Renaldi mengatakan, pada kuartal atau triwulan II\/2024 aset perseroan tumbuh 16,6% secara tahunan (yoy) atau sebesar Rp207,3 triliun. &#8220;Ini mengantarkan bank bjb selangkah lagi menjadi 10 bank terbesar di Indonesia,&#8221; ujar Yuddy melalui keterangan tertulis, Selasa (30\/7\/2024). Ia menambahkan, untuk penyaluran kredit, mereka melakukan selektif sehingga membantu bank [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=13701\" \/>\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=\"2024-07-30T09:42:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-30T09:42:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/07\/Direksi-bank-bjb-e1722332554665.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Iyan Pahlevi\" \/>\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=\"Iyan Pahlevi\" \/>\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=13701\",\"url\":\"https:\/\/businessupdate.id\/?p=13701\",\"name\":\"Aset Bank BJB Kuartal II\/2024 Capai 207,3 Triliun - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-07-30T09:42:39+00:00\",\"dateModified\":\"2024-07-30T09:42:44+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=13701#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=13701\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=13701#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Aset Bank BJB Kuartal II\/2024 Capai 207,3 Triliun\"}]},{\"@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\/9f0dc243b4a81c67b3b44f67a90cfc5d\",\"name\":\"Iyan Pahlevi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"caption\":\"Iyan Pahlevi\"},\"url\":\"https:\/\/businessupdate.id\/?author=6\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Aset Bank BJB Kuartal II\/2024 Capai 207,3 Triliun - 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=13701","og_locale":"en_US","og_type":"article","og_title":"Aset Bank BJB Kuartal II\/2024 Capai 207,3 Triliun - Businessupdate.id","og_description":"BusinessUpdate &#8211; Direktur Utama bank bjb Yuddy Renaldi mengatakan, pada kuartal atau triwulan II\/2024 aset perseroan tumbuh 16,6% secara tahunan (yoy) atau sebesar Rp207,3 triliun. &#8220;Ini mengantarkan bank bjb selangkah lagi menjadi 10 bank terbesar di Indonesia,&#8221; ujar Yuddy melalui keterangan tertulis, Selasa (30\/7\/2024). 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