{"id":25801,"date":"2026-09-22T11:45:56","date_gmt":"2026-09-22T04:45:56","guid":{"rendered":"https:\/\/www.nanovest.io/blog\/?p=25801"},"modified":"2026-09-22T11:49:25","modified_gmt":"2026-09-22T04:49:25","slug":"saham-bank","status":"publish","type":"post","link":"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/","title":{"rendered":"13+ Daftar Saham Bank di Indonesia dan Amerika, Apa Saja?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Terdapat berbagai perusahaan perbankan dengan karakter bisnis yang berbeda.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ada bank besar dengan bisnis yang terdiversifikasi, bank yang fokus pada segmen mikro dan UMKM, bank dengan fokus pembiayaan perumahan, hingga bank digital.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yuk, simak daftar saham bank ini!<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Daftar Isi <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Apa_Itu_Saham_Bank\" >Apa Itu Saham Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Daftar_Saham_Bank_di_Indonesia\" >Daftar Saham Bank di Indonesia<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#BBCA_%E2%80%94_PT_Bank_Central_Asia_Tbk\" >BBCA \u2014 PT Bank Central Asia Tbk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#BMRI_%E2%80%94_PT_Bank_Mandiri_Persero_Tbk\" >BMRI \u2014 PT Bank Mandiri (Persero) Tbk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#BBRI_%E2%80%94_PT_Bank_Rakyat_Indonesia_Persero_Tbk\" >BBRI \u2014 PT Bank Rakyat Indonesia (Persero) Tbk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#BBNI_%E2%80%94_PT_Bank_Negara_Indonesia_Persero_Tbk\" >BBNI \u2014 PT Bank Negara Indonesia (Persero) Tbk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#BBTN_%E2%80%94_PT_Bank_Tabungan_Negara_Persero_Tbk\" >BBTN \u2014 PT Bank Tabungan Negara (Persero) Tbk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#BRIS_%E2%80%94_PT_Bank_Syariah_Indonesia_Tbk\" >BRIS \u2014 PT Bank Syariah Indonesia Tbk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#BNGA_%E2%80%94_PT_Bank_CIMB_Niaga_Tbk\" >BNGA \u2014 PT Bank CIMB Niaga Tbk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#NISP_%E2%80%94_PT_Bank_OCBC_NISP_Tbk\" >NISP \u2014 PT Bank OCBC NISP Tbk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#MEGA_%E2%80%94_PT_Bank_Mega_Tbk\" >MEGA \u2014 PT Bank Mega Tbk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#BBKP_%E2%80%94_PT_Bank_KB_Bukopin_Tbk\" >BBKP \u2014 PT Bank KB Bukopin Tbk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Saham_Bank_Berdasarkan_Jenis_Bisnis\" >Saham Bank Berdasarkan Jenis Bisnis<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Bank_BUMN\" >Bank BUMN<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Bank_Swasta\" >Bank Swasta<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Bank_Syariah\" >Bank Syariah<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Bank_Digital\" >Bank Digital<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Saham_Perbankan_Amerika\" >Saham Perbankan Amerika<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#JPM_%E2%80%94_JPMorgan_Chase_Co\" >JPM \u2014 JPMorgan Chase &amp; Co.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#BAC_%E2%80%94_Bank_of_America_Corporation\" >BAC \u2014 Bank of America Corporation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#WFC_%E2%80%94_Wells_Fargo_Company\" >WFC \u2014 Wells Fargo &amp; Company<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#C_%E2%80%94_Citigroup_Inc\" >C \u2014 Citigroup Inc.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#GS_%E2%80%94_The_Goldman_Sachs_Group_Inc\" >GS \u2014 The Goldman Sachs Group, Inc.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#MS_%E2%80%94_Morgan_Stanley\" >MS \u2014 Morgan Stanley<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#USB_%E2%80%94_US_Bancorp\" >USB \u2014 U.S. Bancorp<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#PNC_%E2%80%94_PNC_Financial_Services_Group\" >PNC \u2014 PNC Financial Services Group<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#COF_%E2%80%94_Capital_One_Financial_Corporation\" >COF \u2014 Capital One Financial Corporation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#SCHW_%E2%80%94_Charles_Schwab_Corporation\" >SCHW \u2014 Charles Schwab Corporation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Investasi_Saham_Amerika_dalam_Satu_Aplikasi\" >Investasi Saham Amerika dalam Satu Aplikasi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Faktor_yang_Memengaruhi_Saham_Bank\" >Faktor yang Memengaruhi Saham Bank<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#1_Pertumbuhan_Kredit\" >1. Pertumbuhan Kredit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#2_Suku_Bunga\" >2. Suku Bunga<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#3_Dana_Pihak_Ketiga\" >3. Dana Pihak Ketiga<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#4_Net_Interest_Margin\" >4. Net Interest Margin<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#5_Kredit_Bermasalah\" >5. Kredit Bermasalah<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#6_Profitabilitas\" >6. Profitabilitas<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Prospek_Saham_Bank_di_Masa_Depan\" >Prospek Saham Bank di Masa Depan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Cara_Menganalisis_Saham_Bank\" >Cara Menganalisis Saham Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Risiko_Investasi_Saham_Bank\" >Risiko Investasi Saham Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Cara_Membeli_Saham_Bank\" >Cara Membeli Saham Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#Kesimpulan\" >Kesimpulan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-bank-25801\/#FAQ_Saham_Bank\" >FAQ Saham Bank<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Saham_Bank\"><\/span><b>Apa Itu Saham Bank?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Saham bank adalah saham perusahaan yang menjalankan kegiatan usaha di bidang perbankan. Bisnis utamanya berkaitan dengan menghimpun dana dari masyarakat dan menyalurkannya kembali dalam bentuk kredit atau pembiayaan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank juga memperoleh pendapatan dari berbagai layanan seperti transaksi, kartu, digital banking, treasury, dan jasa keuangan lainnya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Karena model bisnisnya berkaitan erat dengan kredit dan dana pihak ketiga, perubahan suku bunga serta kondisi ekonomi dapat memengaruhi kinerja bank.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Daftar_Saham_Bank_di_Indonesia\"><\/span><b>Daftar Saham Bank di Indonesia<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-25804 aligncenter\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-indonesia.webp\" alt=\"Daftar Saham Bank di Indonesia\" width=\"1200\" height=\"800\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-indonesia.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-indonesia-300x200.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-indonesia-1024x683.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-indonesia-768x512.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-indonesia-150x100.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-indonesia-450x300.webp 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Berikut beberapa saham perusahaan perbankan yang tercatat di Bursa Efek Indonesia:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"BBCA_%E2%80%94_PT_Bank_Central_Asia_Tbk\"><\/span><b>BBCA \u2014 PT Bank Central Asia Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.nanovest.io\/blog\/tips-dan-tutorial\/saham-bbca-25751\/\">BCA<\/a> merupakan salah satu bank swasta terbesar di Indonesia dengan bisnis yang mencakup perbankan transaksi, kredit korporasi, komersial, dan konsumer. BCA juga memiliki basis nasabah ritel yang besar serta mengembangkan layanan perbankan digital.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"BMRI_%E2%80%94_PT_Bank_Mandiri_Persero_Tbk\"><\/span><b>BMRI \u2014 PT Bank Mandiri (Persero) Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bank Mandiri merupakan bank BUMN dengan bisnis yang mencakup segmen korporasi, komersial, mikro, dan ritel. Selain layanan perbankan konvensional, Bank Mandiri juga mengembangkan ekosistem digital melalui layanan seperti Livin&#8217; by Mandiri dan Kopra.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"BBRI_%E2%80%94_PT_Bank_Rakyat_Indonesia_Persero_Tbk\"><\/span><b>BBRI \u2014 PT Bank Rakyat Indonesia (Persero) Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">BRI memiliki fokus kuat pada segmen mikro, UMKM, dan ritel. Jaringan layanan yang luas membuat BRI memiliki basis nasabah yang besar, terutama di segmen usaha mikro dan kecil.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"BBNI_%E2%80%94_PT_Bank_Negara_Indonesia_Persero_Tbk\"><\/span><b>BBNI \u2014 PT Bank Negara Indonesia (Persero) Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">BNI merupakan bank BUMN yang melayani segmen korporasi, komersial, dan konsumer. BNI juga memiliki aktivitas perbankan internasional untuk mendukung kebutuhan nasabah yang melakukan kegiatan bisnis lintas negara.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"BBTN_%E2%80%94_PT_Bank_Tabungan_Negara_Persero_Tbk\"><\/span><b>BBTN \u2014 PT Bank Tabungan Negara (Persero) Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">BTN dikenal dengan bisnis pembiayaan perumahan, terutama Kredit Pemilikan Rumah (KPR). Posisi tersebut membuat kinerja BBTN berkaitan erat dengan perkembangan sektor properti dan kebijakan perumahan.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"BRIS_%E2%80%94_PT_Bank_Syariah_Indonesia_Tbk\"><\/span><b>BRIS \u2014 PT Bank Syariah Indonesia Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">BSI merupakan bank syariah yang menyediakan layanan perbankan berdasarkan prinsip syariah. Bisnisnya mencakup pembiayaan konsumer, mikro, komersial, serta berbagai layanan transaksi dan digital banking.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"BNGA_%E2%80%94_PT_Bank_CIMB_Niaga_Tbk\"><\/span><b>BNGA \u2014 PT Bank CIMB Niaga Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">CIMB Niaga menyediakan layanan perbankan untuk segmen konsumer, komersial, dan korporasi. Bank ini juga mengembangkan layanan digital untuk transaksi dan kebutuhan nasabah.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"NISP_%E2%80%94_PT_Bank_OCBC_NISP_Tbk\"><\/span><b>NISP \u2014 PT Bank OCBC NISP Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">OCBC Indonesia melayani berbagai segmen nasabah, mulai dari konsumer hingga bisnis dan korporasi. Bank ini merupakan bagian dari grup OCBC yang berbasis di Singapura.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"MEGA_%E2%80%94_PT_Bank_Mega_Tbk\"><\/span><b>MEGA \u2014 PT Bank Mega Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bank Mega menyediakan layanan perbankan untuk nasabah korporasi, komersial, dan konsumer. Bank ini juga memiliki keterkaitan dengan ekosistem bisnis CT Corp.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"BBKP_%E2%80%94_PT_Bank_KB_Bukopin_Tbk\"><\/span><b>BBKP \u2014 PT Bank KB Bukopin Tbk<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bank KB Bukopin merupakan bank yang melayani kebutuhan perbankan ritel, komersial, dan korporasi. Bank ini merupakan bagian dari KB Financial Group dari Korea Selatan.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Saham_Bank_Berdasarkan_Jenis_Bisnis\"><\/span><b>Saham Bank Berdasarkan Jenis Bisnis<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tidak semua bank memiliki strategi bisnis yang sama. Berdasarkan fokusnya, saham perbankan dapat dikelompokkan menjadi beberapa kategori.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bank_BUMN\"><\/span><b>Bank BUMN<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Kelompok ini mencakup:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BMRI<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BBRI<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BBNI<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BBTN<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Bank BUMN memiliki peran besar dalam sistem keuangan Indonesia dan menjalankan berbagai segmen bisnis, mulai dari kredit korporasi hingga pembiayaan masyarakat.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bank_Swasta\"><\/span><b>Bank Swasta<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Contohnya:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.nanovest.io\/blog\/tips-dan-tutorial\/saham-bbca-25751\/\"><span style=\"font-weight: 400;\">BBCA<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BNGA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NISP<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">MEGA<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Bank swasta umumnya memiliki strategi bisnis yang beragam, termasuk perbankan ritel, korporasi, transaksi, dan digital banking.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bank_Syariah\"><\/span><b>Bank Syariah<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Salah satu saham bank syariah yang tercatat di BEI adalah <\/span><b>BRIS<\/b><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"> Bank syariah menjalankan kegiatan usaha berdasarkan prinsip syariah dengan produk pembiayaan dan layanan yang memiliki struktur berbeda dari bank konvensional.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bank_Digital\"><\/span><b>Bank Digital<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Perkembangan teknologi juga mendorong munculnya bank dengan model bisnis yang lebih berorientasi digital. <\/span><span style=\"font-weight: 400;\">Beberapa emiten yang dapat dikaitkan dengan tema bank digital antara lain <\/span><b>ARTO, BBYB, BANK, dan AGRO<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Namun, label bank digital tidak otomatis berarti seluruh pendapatan perusahaan hanya berasal dari layanan digital. Investor tetap perlu melihat laporan keuangan dan model bisnis masing-masing bank.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Saham_Perbankan_Amerika\"><\/span><b>Saham Perbankan Amerika<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"size-full wp-image-25803 aligncenter\" src=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-amerika.webp\" alt=\"saham bank amerika\" width=\"1200\" height=\"800\" srcset=\"https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-amerika.webp 1200w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-amerika-300x200.webp 300w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-amerika-1024x683.webp 1024w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-amerika-768x512.webp 768w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-amerika-150x100.webp 150w, https:\/\/www.nanovest.io/blog\/wp-content\/uploads\/2026\/09\/saham-bank-amerika-450x300.webp 450w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Selain saham bank di Indonesia, investor juga dapat mengakses saham perbankan Amerika Serikat melalui bursa saham AS. Industri perbankan Amerika mencakup bank komersial, bank investasi, bank regional, serta perusahaan jasa keuangan yang menyediakan layanan kredit, transaksi, investasi, dan pengelolaan aset.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Berikut beberapa contoh saham perbankan Amerika yang banyak dikenal di pasar global.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"JPM_%E2%80%94_JPMorgan_Chase_Co\"><\/span><b>JPM \u2014 JPMorgan Chase &amp; Co.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">JPMorgan Chase merupakan salah satu perusahaan jasa keuangan terbesar di Amerika Serikat. Bisnisnya mencakup perbankan konsumer, perbankan komersial, investment banking, pengelolaan aset, dan layanan transaksi. <\/span><span style=\"font-weight: 400;\">Saham JPM diperdagangkan di New York Stock Exchange dengan ticker <\/span><a href=\"https:\/\/www.nanovest.io\/saham-amerika\/jpm\/\"><b>JPM<\/b><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"BAC_%E2%80%94_Bank_of_America_Corporation\"><\/span><b>BAC \u2014 Bank of America Corporation<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bank of America menyediakan layanan perbankan untuk nasabah individu, bisnis, dan korporasi. Bisnisnya mencakup consumer banking, commercial banking, wealth management, serta layanan investasi. <\/span><span style=\"font-weight: 400;\">Saham Bank of America tercatat di New York Stock Exchange dengan ticker <\/span><a href=\"https:\/\/www.nanovest.io\/saham-amerika\/bac\/\"><b>BAC<\/b><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"WFC_%E2%80%94_Wells_Fargo_Company\"><\/span><b>WFC \u2014 Wells Fargo &amp; Company<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Wells Fargo merupakan perusahaan jasa keuangan yang menyediakan layanan perbankan konsumer, kredit, perbankan komersial, dan pengelolaan kekayaan. <\/span><span style=\"font-weight: 400;\">Saham Wells Fargo diperdagangkan di New York Stock Exchange dengan ticker <\/span><a href=\"https:\/\/www.nanovest.io\/en\/us-stocks\/wfc\/\"><b>WFC<\/b><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"C_%E2%80%94_Citigroup_Inc\"><\/span><b>C \u2014 Citigroup Inc.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Citigroup merupakan perusahaan jasa keuangan global yang memiliki bisnis perbankan konsumer, layanan kartu, perbankan korporasi, serta layanan keuangan untuk nasabah institusi. <\/span><span style=\"font-weight: 400;\">Saham Citigroup tercatat di bursa Amerika dengan ticker <\/span><b>C<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"GS_%E2%80%94_The_Goldman_Sachs_Group_Inc\"><\/span><b>GS \u2014 The Goldman Sachs Group, Inc.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Goldman Sachs dikenal sebagai perusahaan jasa keuangan yang berfokus pada investment banking, pasar modal, perdagangan, pengelolaan aset, dan layanan untuk nasabah institusi. <\/span><span style=\"font-weight: 400;\">Saham Goldman Sachs diperdagangkan di New York Stock Exchange dengan ticker <\/span><b>GS<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"MS_%E2%80%94_Morgan_Stanley\"><\/span><b>MS \u2014 Morgan Stanley<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><strong><a href=\"https:\/\/www.nanovest.io\/en\/us-stocks\/ms\/\">Morgan Stanley<\/a> <\/strong>bergerak di bidang investment banking, wealth management, dan investment management. Perusahaan ini melayani korporasi, institusi, pemerintah, serta investor individu melalui berbagai layanan keuangan.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"USB_%E2%80%94_US_Bancorp\"><\/span><b>USB \u2014 U.S. Bancorp<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">U.S. Bancorp merupakan perusahaan jasa keuangan yang menyediakan layanan perbankan konsumer, komersial, pembayaran, serta layanan perbankan untuk bisnis. Perusahaan ini dikenal sebagai salah satu bank besar di Amerika Serikat.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"PNC_%E2%80%94_PNC_Financial_Services_Group\"><\/span><b>PNC \u2014 PNC Financial Services Group<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">PNC menyediakan layanan perbankan untuk individu, usaha kecil, perusahaan menengah, dan korporasi. Bisnisnya mencakup consumer banking, commercial banking, serta layanan pengelolaan aset.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"COF_%E2%80%94_Capital_One_Financial_Corporation\"><\/span><b>COF \u2014 Capital One Financial Corporation<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Capital One dikenal melalui bisnis kartu kredit, pembiayaan konsumer, dan layanan perbankan. Perusahaan ini memiliki eksposur yang besar terhadap bisnis kartu kredit dan pinjaman konsumen.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"SCHW_%E2%80%94_Charles_Schwab_Corporation\"><\/span><b>SCHW \u2014 Charles Schwab Corporation<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Charles Schwab merupakan perusahaan jasa keuangan yang menyediakan layanan broker, investasi, pengelolaan kekayaan, dan perbankan. Berbeda dari bank komersial tradisional, bisnis Schwab lebih banyak berkaitan dengan layanan investasi dan nasabah brokerage.<\/span><\/p>\n<div style=\"max-width: 700px; margin: 28px auto; padding: 22px 24px; border-radius: 16px; background: linear-gradient(135deg,#171122,#5B21B6); font-family: Arial,Helvetica,sans-serif; color: #fff; display: flex; align-items: center; justify-content: space-between; gap: 20px; box-shadow: 0 8px 24px rgba(91,33,182,.2);\">\n<div style=\"flex: 1;\">\n<div style=\"font-size: 11px; font-weight: bold; letter-spacing: 1px; color: #d8c7ff; margin-bottom: 6px;\">SAHAM AMERIKA<\/div>\n<h2 style=\"margin: 0 0 5px!important; padding: 0!important; font-size: 21px!important; line-height: 1.3!important; font-weight: 700!important; color: #ffffff!important;\"><span class=\"ez-toc-section\" id=\"Investasi_Saham_Amerika_dalam_Satu_Aplikasi\"><\/span>Investasi Saham Amerika dalam Satu Aplikasi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin: 0!important; padding: 0!important; font-size: 13px!important; line-height: 1.5!important; color: #e9e2ff!important;\">Akses saham perusahaan global seperti Apple, Tesla, dan Microsoft melalui Nanovest.<\/p>\n<\/div>\n<p><a style=\"display: inline-block; flex-shrink: 0; background: #FFFFFF!important; color: #5b21b6!important; text-decoration: none!important; padding: 11px 19px; border-radius: 999px; font-size: 13px!important; font-weight: 700!important; white-space: nowrap;\" href=\"https:\/\/nanovest.go.link\/?adj_t=1gw8usmw\" target=\"_blank\" rel=\"noopener noreferrer\">Mulai Investasi<br \/>\n<\/a><\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Faktor_yang_Memengaruhi_Saham_Bank\"><\/span><b>Faktor yang Memengaruhi Saham Bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Pertumbuhan_Kredit\"><\/span><b>1. Pertumbuhan Kredit<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Kredit merupakan salah satu sumber pendapatan utama bank. Ketika penyaluran kredit tumbuh, pendapatan bunga berpotensi meningkat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank Indonesia mencatat kredit perbankan tumbuh 13,58% secara tahunan pada Juli 2026, setelah tumbuh 12,67% pada Juni. Pertumbuhan tersebut menunjukkan penyaluran kredit masih menjadi bagian penting dalam perkembangan intermediasi perbankan.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Suku_Bunga\"><\/span><b>2. Suku Bunga<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Suku bunga memengaruhi biaya dana dan harga kredit bank.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Perubahan suku bunga dapat berdampak pada margin bunga, permintaan kredit, serta keputusan masyarakat dalam menyimpan atau meminjam dana.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Dana_Pihak_Ketiga\"><\/span><b>3. Dana Pihak Ketiga<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dana pihak ketiga atau DPK merupakan dana yang dihimpun bank dari masyarakat melalui giro, tabungan, dan deposito.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kemampuan bank memperoleh dana dengan biaya yang efisien dapat membantu menjaga profitabilitas.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Net_Interest_Margin\"><\/span><b>4. Net Interest Margin<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b><\/b><b><\/b><b><\/b><b><\/b><b><\/b><b>Net Interest Margin (NIM)<\/b><span style=\"font-weight: 400;\"> menunjukkan kemampuan bank menghasilkan pendapatan bunga bersih dari aset produktifnya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">NIM menjadi salah satu indikator yang perlu diperhatikan karena perubahan biaya dana dan tingkat bunga kredit dapat memengaruhi margin bank.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Kredit_Bermasalah\"><\/span><b>5. Kredit Bermasalah<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pertumbuhan kredit perlu dilihat bersama kualitas kredit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Salah satu indikator yang umum digunakan adalah Non-Performing Loan (NPL). NPL yang meningkat dapat menunjukkan memburuknya kualitas kredit dan berpotensi meningkatkan biaya pencadangan.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Profitabilitas\"><\/span><b>6. Profitabilitas<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Investor dapat melihat indikator seperti:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Return on Equity (ROE);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Return on Assets (ROA);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">laba bersih;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NIM;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cost to income ratio.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Kombinasi indikator tersebut memberikan gambaran yang lebih lengkap mengenai efisiensi dan profitabilitas bank.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Prospek_Saham_Bank_di_Masa_Depan\"><\/span><b>Prospek Saham Bank di Masa Depan<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Prospek saham bank sangat berkaitan dengan pertumbuhan ekonomi dan kebutuhan pembiayaan masyarakat serta dunia usaha.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ketika aktivitas ekonomi meningkat, kebutuhan terhadap kredit modal kerja, investasi, konsumsi, dan pembiayaan perumahan dapat ikut berkembang. Namun, pertumbuhan kredit tetap perlu diikuti dengan pengelolaan risiko agar kualitas aset tetap terjaga.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank Indonesia memperkirakan pertumbuhan kredit berada pada kisaran 8%\u201312%, dengan dukungan kapasitas pembiayaan bank dan masih besarnya fasilitas kredit yang belum digunakan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Di sisi lain, investor perlu memperhatikan kualitas pertumbuhan tersebut. Kredit yang tumbuh cepat belum tentu menghasilkan kinerja yang lebih baik jika diikuti peningkatan kredit bermasalah atau biaya pencadangan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Karena itu, prospek saham bank sebaiknya dianalisis melalui kombinasi pertumbuhan kredit, kualitas aset, NIM, efisiensi, profitabilitas, permodalan, dan valuasi.<\/span><\/p>\n<p><strong>Baca juga:\u00a0<\/strong><a href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-consumer-goods-25693\/\">15+ Saham Consumer Goods di Indonesia dan Amerika yang Potensial<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cara_Menganalisis_Saham_Bank\"><\/span><b>Cara Menganalisis Saham Bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sebelum membeli saham bank, beberapa indikator yang dapat diperhatikan adalah:<\/span><\/p>\n<p><b>Pertumbuhan kredit<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Lihat apakah pertumbuhan kredit berasal dari segmen yang sehat dan berkelanjutan.<\/span><\/p>\n<p><b>NIM<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Perhatikan kemampuan bank mempertahankan margin di tengah perubahan suku bunga dan biaya dana.<\/span><\/p>\n<p><b>NPL<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Bandingkan kualitas kredit antarperiode dan dengan bank sejenis.<\/span><\/p>\n<p><b>ROE dan ROA<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Gunakan untuk melihat kemampuan bank menghasilkan laba dari modal dan aset yang dimiliki.<\/span><\/p>\n<p><b>CASA<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Komposisi dana murah seperti giro dan tabungan dapat membantu bank mengendalikan biaya dana.<\/span><\/p>\n<p><b>Cost to Income Ratio<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Indikator ini dapat digunakan untuk melihat efisiensi operasional bank.<\/span><\/p>\n<p><b>CAR<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Capital Adequacy Ratio menunjukkan tingkat kecukupan modal bank dalam menghadapi risiko.<\/span><\/p>\n<p><b>Valuasi<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Rasio seperti PBV dan PER dapat dibandingkan dengan kinerja historis serta bank sejenis.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risiko_Investasi_Saham_Bank\"><\/span><b>Risiko Investasi Saham Bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Saham perbankan tetap memiliki sejumlah risiko, antara lain:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kenaikan kredit bermasalah;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">perlambatan pertumbuhan kredit;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">perubahan suku bunga;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">meningkatnya biaya dana;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">tekanan terhadap margin bunga;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">perlambatan ekonomi;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">risiko likuiditas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">perubahan regulasi;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">risiko teknologi dan keamanan siber.<\/span><\/li>\n<\/ul>\n<p><strong>Baca juga:\u00a0<\/strong><a href=\"https:\/\/www.nanovest.io/blog\/tips-dan-tutorial\/saham-sawit-25674\/\">15+ Saham Sawit di Indonesia dan Dunia yang Menarik<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cara_Membeli_Saham_Bank\"><\/span><b>Cara Membeli Saham Bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Saham bank dapat dibeli melalui perusahaan sekuritas yang menyediakan akses perdagangan saham.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Langkah umumnya:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Membuka rekening saham.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melakukan verifikasi identitas.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Menyetorkan dana ke rekening dana nasabah.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mencari kode saham bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Menentukan harga dan jumlah saham.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memasukkan order beli melalui aplikasi sekuritas.<\/span><\/li>\n<\/ol>\n<p><iframe title=\"Cara Beli Saham AS di Nanovest\" width=\"788\" height=\"443\" src=\"https:\/\/www.youtube.com\/embed\/UO3lvyb80dM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<div style=\"text-align: center; margin: 25px 0;\"><a style=\"display: inline-flex; align-items: center; justify-content: center; background: linear-gradient(135deg, #7b2cbf 0%, #5a189a 100%); color: #ffffff !important; font-family: 'Helvetica Neue', Arial, sans-serif; font-size: 16px; font-weight: bold; text-decoration: none !important; padding: 11px 30px 13px 30px; line-height: normal; border-radius: 6px; box-shadow: 0 4px 12px rgba(90, 24, 154, 0.25); border: none; cursor: pointer;\" href=\"https:\/\/nanovest.go.link\/?adj_t=1gw8usmw\" target=\"_blank\" rel=\"noopener\">Download Aplikasi Saham Nanovest<br \/>\n<\/a><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><b>Kesimpulan<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Saham bank menjadi salah satu kelompok saham penting karena industri perbankan memiliki peran besar dalam menghimpun dana dan menyalurkan pembiayaan kepada masyarakat serta dunia usaha.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Saham_Bank\"><\/span><b>FAQ Saham Bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"width: 100%; max-width: 900px; margin: 24px auto; font-family: Arial,Helvetica,sans-serif;\">\n<details style=\"margin-bottom: 12px; border: 1px solid #E5DEFF; border-radius: 12px; overflow: hidden; background: #fff; box-shadow: 0 4px 12px rgba(91,61,245,.08);\">\n<summary style=\"cursor: pointer; padding: 16px 18px; background: linear-gradient(135deg,#5B3DF5,#7C5CFF); color: #fff; font-size: 18px; font-weight: bold; line-height: 1.5; list-style: none;\">Saham bank apa saja di BEI?<\/summary>\n<div style=\"padding: 16px 18px; color: #444; font-size: 15px; line-height: 1.7; border-top: 1px solid #E5DEFF;\">Beberapa saham bank yang tercatat di BEI antara lain BBCA, BMRI, BBRI, BBNI, BBTN, BRIS, BNGA, NISP, MEGA, BBYB, ARTO, AGRO, dan BANK.<\/div>\n<\/details>\n<details style=\"margin-bottom: 12px; border: 1px solid #E5DEFF; border-radius: 12px; overflow: hidden; background: #fff; box-shadow: 0 4px 12px rgba(91,61,245,.08);\">\n<summary style=\"cursor: pointer; padding: 16px 18px; background: linear-gradient(135deg,#5B3DF5,#7C5CFF); color: #fff; font-size: 18px; font-weight: bold; line-height: 1.5; list-style: none;\">Apa saham bank terbesar di Indonesia?<\/summary>\n<div style=\"padding: 16px 18px; color: #444; font-size: 15px; line-height: 1.7; border-top: 1px solid #E5DEFF;\">Ukuran bank dapat dilihat dari berbagai indikator seperti aset, kredit, dana pihak ketiga, maupun kapitalisasi pasar. Karena indikator dan nilainya dapat berubah, perbandingan sebaiknya menggunakan data periode yang sama.<\/div>\n<\/details>\n<details style=\"margin-bottom: 12px; border: 1px solid #E5DEFF; border-radius: 12px; overflow: hidden; background: #fff; box-shadow: 0 4px 12px rgba(91,61,245,.08);\">\n<summary style=\"cursor: pointer; padding: 16px 18px; background: linear-gradient(135deg,#5B3DF5,#7C5CFF); color: #fff; font-size: 18px; font-weight: bold; line-height: 1.5; list-style: none;\">Apa saja saham bank BUMN?<\/summary>\n<div style=\"padding: 16px 18px; color: #444; font-size: 15px; line-height: 1.7; border-top: 1px solid #E5DEFF;\">Saham bank BUMN yang tercatat di BEI antara lain BMRI, BBRI, BBNI, dan BBTN.<\/div>\n<\/details>\n<details style=\"margin-bottom: 12px; border: 1px solid #E5DEFF; border-radius: 12px; overflow: hidden; background: #fff; box-shadow: 0 4px 12px rgba(91,61,245,.08);\">\n<summary style=\"cursor: pointer; padding: 16px 18px; background: linear-gradient(135deg,#5B3DF5,#7C5CFF); color: #fff; font-size: 18px; font-weight: bold; line-height: 1.5; list-style: none;\">Apa itu saham bank digital?<\/summary>\n<div style=\"padding: 16px 18px; color: #444; font-size: 15px; line-height: 1.7; border-top: 1px solid #E5DEFF;\">Saham bank digital adalah saham perusahaan bank yang mengembangkan layanan dan operasional berbasis teknologi digital. Namun, karakter masing-masing bank berbeda sehingga investor perlu melihat model bisnis dan laporan keuangannya.<\/div>\n<\/details>\n<details style=\"margin-bottom: 0; border: 1px solid #E5DEFF; border-radius: 12px; overflow: hidden; background: #fff; box-shadow: 0 4px 12px rgba(91,61,245,.08);\">\n<summary style=\"cursor: pointer; padding: 16px 18px; background: linear-gradient(135deg,#5B3DF5,#7C5CFF); color: #fff; font-size: 18px; font-weight: bold; line-height: 1.5; list-style: none;\">Apa yang memengaruhi harga saham bank?<\/summary>\n<div style=\"padding: 16px 18px; color: #444; font-size: 15px; line-height: 1.7; border-top: 1px solid #E5DEFF;\">Harga saham bank dapat dipengaruhi oleh kinerja laba, pertumbuhan kredit, kualitas aset, NIM, suku bunga, likuiditas, kondisi ekonomi, regulasi, dan sentimen pasar.<\/div>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Terdapat berbagai perusahaan perbankan dengan karakter bisnis yang berbeda.\u00a0 Ada bank besar dengan bisnis yang terdiversifikasi, bank yang fokus pada segmen mikro dan UMKM, bank dengan fokus pembiayaan perumahan, hingga bank digital. Yuk, simak daftar saham bank ini! Apa Itu Saham Bank? Saham bank adalah saham perusahaan yang menjalankan kegiatan usaha di bidang perbankan. Bisnis<\/p>\n","protected":false},"author":36,"featured_media":25802,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-25801","post","type-post","status-publish","format-standard","has-post-thumbnail","category-tips-dan-tutorial"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Saham bank adalah saham perusahaan yang menjalankan kegiatan usaha di bidang perbankan. Apa Saja daftarnya? 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