Dari penyebutannya sudah dapat diketahui, bahwa bank komersial adalah bank yang tujuan atau orientasinya mencari laba. Bank komersial ini sering disebut juga sebagai bank umum, baik itu bentuknya konvensional maupun berbasis syariah, dan mayoritas bank yang berdiri saat ini di Indonesia adalah bank komersial. Berdasarkan kepemilikannya, bank komersial terbagi atas 4 yaitu:
- Bank komersial milik pemerintah
Bank komersial milik pemerintah merupakan bank yang didirikan oleh pemerintah, di mana seluruh akta pendirian dan modal juga berasal dari pemerintah, dan tentunya keuntungan yang didapatkan juga akan masuk ke kas negara. Beberapa bank pemerintah Indonesia dengan aset terbesar sebut saja seperti Bank Mandiri Tbk, Bank Rakyat Indonesia (BRI), Bank Negara Indonesia 46 (BNI). Selain itu, ada juga bank-bank komersial milik pemerintah daerah, misalkan kalau di DKI Jakarta ada Bank DKI, di Jawa Timur ada Bank Jatim, di Sumatera Utara ada Bank Sumut, dan lain-lain sesuai dengan daerah tingkat dan provinsi. - Bank komersial milik swasta
Sesuai dengan kepemilikannya, bank komersial milik swasta merupakan bank yang sebagian besar atau seluruh saham atau kepemilikannya dikuasai oleh pihak swasta domestik, dan tentunya keuntungan yang didapatkan dari kegiatan bisnis yang... READ FULL ARTICLE
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