{"id":4438,"date":"2023-02-07T07:27:17","date_gmt":"2023-02-07T00:27:17","guid":{"rendered":"https:\/\/businessupdate.id\/?p=4438"},"modified":"2023-02-07T07:27:18","modified_gmt":"2023-02-07T00:27:18","slug":"nim-bank-jumbo-2022-rata-rata-di-kisaran-5","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=4438","title":{"rendered":"NIM Bank Jumbo 2022 Rata-rata di Kisaran 5%"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Sepanjang 2022 margin bunga bersih (<em>net interest margin<\/em>\/NIM) sejumlah bank jumbo berada pada kisaran 5%, sementara rata-rata NIM perbankan di Indonesia saat ini adalah 4,4%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank jumbo yang dimaksud adalah PT Bank Mandiri (Persero) Tbk. (BMRI), PT Bank Negara Indonesia (Persero) Tbk., serta PT Bank Central Asia Tbk. (BBCA).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Secara rata-rata, margin bunga bersih ketiga bank tersebut sepanjang tahun 2022 berada pada kisaran 5%. Bank Mandiri, sepanjang tahun 2022 NIM naik menjadi 5,16%, naik 43 basis poin (bps) secara tahunan (<em>year-on-year<\/em>\/yoy) dibandingkan Desember 2021 sebesar 4,73%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alhasil, BMRI membukukan laba mencapai Rp41,2 triliun sepanjang 2022. Hal tersebut bahkan sampai menarik perhatian Presiden Republik Indonesia Joko Widodo (Jokowi). &#8220;Kadang-kadang saya mikir kok tumbuhnya tinggi banget? Jangan-jangan bunganya ketinggian,&#8221; ucap Jokowi berkelakar dalam agenda Mandiri Investment Forum 2023 di Jakarta, Rabu (1\/2\/2023).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedangkan, rasio margin bunga bersih BNI juga tercatat tumbuh sebesar 14 bps secara yoy dari 4,67% pada Desember 2021 menjadi 4,81% hingga Desember 2022.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NIM BCA juga menunjukkan tren pertumbuhan. Sepanjang 2022, NIM BBCA tercatat tumbuh 24 bps menjadi 5,34% pada Desember 2022 dari sebelumnya sebesar 5,10% pada Desember 2021.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebelumnya, berdasarkan Laporan Profil Industri Perbankan yang dirilis Otoritas Jasa Keuangan (OJK), NIM bank umum konvensional per September 2022 tercatat pada level 4,86% atau naik 24 basis poin (bps) secara tahunan (yoy).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sepanjang 2022 Presiden Jokowi menyebut bahwa rasio NIM perbankan RI berada pada posisi 4,4%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Sebelum masuk ke sini tadi saya tanya ke pak ketua [OJK], NIM nya berapa sih? Di jawab oleh pak Mahendra sebesar 4,4%. Tinggi banget, ini mungkin tertinggi di dunia,&#8221; ujar Jokowi saat menyampaikan pidato pembukanya dalam acara Pertemuan Tahunan Industri Jasa Keuangan 2023, Senin (6\/2\/2023).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Namun, menurut laporan The Global Economy, besarnya pendapatan bunga bank di Indonesia menempatkan perbankan RI masuk posisi tiga besar diantara sejumlah negara G20. Posisi pertama ditempati oleh Argentina yang membukukan margin bunga bersih sebesar 10,44% pada 2021 dan disusul Mexico sebesar 5,67%. Sementara Indonesia sendiri sebesar 5,06% pada 2021. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Sepanjang 2022 margin bunga bersih (net interest margin\/NIM) sejumlah bank jumbo berada pada kisaran 5%, sementara rata-rata NIM perbankan di Indonesia saat ini adalah 4,4%. Bank jumbo yang dimaksud adalah PT Bank Mandiri (Persero) Tbk. (BMRI), PT Bank Negara Indonesia (Persero) Tbk., serta PT Bank Central Asia Tbk. (BBCA).&nbsp; Secara rata-rata, margin bunga [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":4439,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,48],"tags":[426,1370,646,325,2387,2388,1007,555],"class_list":["post-4438","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-finance","tag-bank","tag-bersih","tag-bunga","tag-indonesia","tag-net-interest-margin","tag-nim","tag-pendapatan","tag-perbankan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NIM Bank Jumbo 2022 Rata-rata di Kisaran 5% - 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=4438\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NIM Bank Jumbo 2022 Rata-rata di Kisaran 5% - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Sepanjang 2022 margin bunga bersih (net interest margin\/NIM) sejumlah bank jumbo berada pada kisaran 5%, sementara rata-rata NIM perbankan di Indonesia saat ini adalah 4,4%. Bank jumbo yang dimaksud adalah PT Bank Mandiri (Persero) Tbk. (BMRI), PT Bank Negara Indonesia (Persero) Tbk., serta PT Bank Central Asia Tbk. (BBCA).&nbsp; Secara rata-rata, margin bunga [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=4438\" \/>\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=\"2023-02-07T00:27:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-07T00:27:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/02\/Net-interest-margin-e1675729619987.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1260\" \/>\n\t<meta property=\"og:image:height\" content=\"707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Premieri A\" \/>\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=\"Premieri A\" \/>\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=4438\",\"url\":\"https:\/\/businessupdate.id\/?p=4438\",\"name\":\"NIM Bank Jumbo 2022 Rata-rata di Kisaran 5% - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2023-02-07T00:27:17+00:00\",\"dateModified\":\"2023-02-07T00:27:18+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=4438#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=4438\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=4438#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"NIM Bank Jumbo 2022 Rata-rata di Kisaran 5%\"}]},{\"@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\/39a407b879699c9dfc68b893045cd07e\",\"name\":\"Premieri A\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"caption\":\"Premieri A\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=5\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"NIM Bank Jumbo 2022 Rata-rata di Kisaran 5% - 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=4438","og_locale":"en_US","og_type":"article","og_title":"NIM Bank Jumbo 2022 Rata-rata di Kisaran 5% - Businessupdate.id","og_description":"BusinessUpdate &#8211; Sepanjang 2022 margin bunga bersih (net interest margin\/NIM) sejumlah bank jumbo berada pada kisaran 5%, sementara rata-rata NIM perbankan di Indonesia saat ini adalah 4,4%. 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