Bank Interest Adalah Jurnal

Save more with a savings account

A savings account with an attractive interest rate will lead to more funds, while its monthly credit leads to faster accumulation. With zero-fee banking, you also get to keep this additional earning while enjoying banking services in a completely digital ecosystem. For these and many more exciting features, choose IDFC FIRST Bank Savings Account.

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IDFC FIRST Bank Savings Account - a gamechanger

You must have understood by now that a higher rate of interest translates into a higher return on your account balance. Similarly, frequent interest credits lead to faster compounding, helping you achieve your financial goals sooner.

IDFC FIRST Bank Savings Account ticks the boxes on both these parameters. Its savings account bank interest rate is among the best in the industry and is comparable to even fixed deposit interest rates. But that’s not all! It also slashes down the costs that are typically involved in operating a savings account. IDFC FIRST Bank Savings Account offers zero-fee banking on all commonly used savings account services. This includes –

Also read - Build your emergency fund with some of the best savings accounts

Indikator Profitabilitas

Net Interest Income adalah penentu utama profitabilitas lembaga keuangan, karena mencerminkan pendapatan inti yang dihasilkan dari aktivitas pinjaman dan investasinya. Net Interest Income yang lebih tinggi menyiratkan profitabilitas yang lebih tinggi, yang penting untuk keberlanjutan jangka panjang lembaga keuangan.

Manajemen Aset-Liabilitas

Manajemen aset-liabilitas yang efektif sangat penting untuk memaksimalkan Pendapatan Bunga Bersih.

Lembaga keuangan perlu memastikan bahwa mereka memiliki keseimbangan antara risiko suku bunga pada aset dan liabilitas mereka untuk menghindari ketidaksesuaian suku bunga yang dapat berdampak negatif terhadap Pendapatan Bunga Bersih.

Persaingan dari lembaga keuangan lain juga dapat memengaruhi Pendapatan Bunga Bersih lembaga keuangan. Jika pesaing menawarkan suku bunga pinjaman atau simpanan yang lebih menarik, lembaga keuangan dapat kehilangan bisnis dan mengalami penurunan Pendapatan Bunga Bersih.

Perubahan regulasi, seperti perubahan persyaratan modal atau suku bunga, juga dapat memengaruhi Pendapatan Bunga Bersih lembaga keuangan. Perubahan peraturan dapat memengaruhi biaya dana dan tarif yang dikenakan pada pinjaman, yang dapat memengaruhi Pendapatan Bunga Bersih.

Secara keseluruhan, terdapat beberapa faktor internal dan eksternal yang dapat memengaruhi Pendapatan Bunga Bersih suatu lembaga keuangan. Penting bagi lembaga keuangan untuk mengelola faktor-faktor ini secara efektif untuk memaksimalkan Pendapatan Bunga Bersih dan mempertahankan profitabilitas jangka panjangnya.

Interest is a payment from a bank account, credit card or loan, that builds up over a set period of time. Interest can be accrued (earned) by an account like a term deposit, and paid to you in a sum at the end of a specific term. Interest is also added to loan repayments as a charge for using the funds of the lender. Find out more about our interest rates and how they can benefit you.

Pengertian Net Interest Income

Pendapatan Bunga Bersih atau Net Interest Income adalah perbedaan antara jumlah total bunga yang diterima dari pinjaman dan aset lain yang menghasilkan bunga dengan jumlah total bunga yang dibayarkan atas deposito dan kewajiban berbunga oleh lembaga keuangan.

Ini merupakan ukuran utama kinerja yang sering dipergunakan oleh bank, koperasi kredit, serta institusi keuangan lainnya untuk menilai profitabilitas dan efisiensi mereka dalam menghasilkan pendapatan bunga dari aktivitas peminjaman dan investasi. Dalam kata lain, ini mencerminkan jumlah uang yang diperoleh oleh lembaga keuangan dari pinjaman inti dan operasi investasinya.

Apa Fungsi Net Interest Income?

Net Interest Income adalah metrik keuangan yang penting bagi lembaga keuangan karena beberapa fungsinya berikut ini.

The right savings account maximises your finances

If you are looking for a new savings account, here are a few factors to consider –

Go for a bank that offers a high-interest rate. It will directly result in higher income.

Ensure that the banking services that you regularly use attract minimal charges or none.

Choose an account whose minimum balance requirement is as per your convenience.

The savings account and its features must match your financial goals and expectations from the account.

Digital banking, an all-in-one mobile banking app and customer support are facets that make a savings account user-friendly.

What is the bank rate?

The bank rate is the rate at which the central bank lends money to commercial banks. But, as customers, you would be more interested in bank interest rate on your savings account. Assuming that your bank offers 4% interest on your savings account, you will receive ₹100 at the end of the quarter on an average balance of ₹10,000.

The higher the interest rate, the higher your income from your savings account balance. Besides, the frequency also matters. If the compounding occurs half-yearly, your interest income would be less. Most banks calculate the interest quarterly, as shown in the above example. IDFC FIRST Bank Savings Account interest is credited monthly, leading to even faster compounding.

Simple interest versus compound interest

When it comes to interest on your accounts, there are two main types to consider: simple interest and compound interest.

Simple interest is calculated from your initial deposit amount. For example, you made a $10,000 deposit with a 5% p.a. interest rate. At the end of five years, you’ll earn $2,500 in interest, regardless of any additional deposits made.

Compound interest calculates interest on your initial deposit as well as interest earned in previous terms. For example, if you invest $10,000 at 5% p.a., you’ll earn $2,833.59 in interest, even if you don’t make any additional deposits. It’s a good idea to learn about compound interest and understand the factors that impact the amount you’ll earn.

Penerbitan Jurnal-Jurnal pada Institut Agama Islam Negeri Lhokseumawe di koordinir oleh Lembaga Penelitian dan Pengabdian Masyarakat (LPPM).

Cara Menghitung Net Interest Income dan Contohnya

Katakanlah sebuah bank memiliki informasi berikut:

Pendapatan Bunga Bruto = $10 jutaBeban Bunga Bruto = $6 juta

Dengan menggunakan rumus di atas, kita dapat menghitung Net Interest Income sebagai berikut:

Pendapatan Bunga Bersih = Pendapatan Bunga Bruto - Beban Bunga BrutoPendapatan Bunga Bersih = $10 juta - $6 jutaPendapatan Bunga Bersih = $4 juta

Jadi, Net Interest Income bank adalah $4 juta. Ini berarti bahwa bank telah memperoleh keuntungan sebesar $4 juta dari aktivitas menghasilkan bunga setelah membayar bunga atas deposito dan kewajiban berbunga lainnya.