{"id":20577,"date":"2025-08-27T11:01:39","date_gmt":"2025-08-27T04:01:39","guid":{"rendered":"https:\/\/businessupdate.id\/?p=20577"},"modified":"2025-08-27T11:01:42","modified_gmt":"2025-08-27T04:01:42","slug":"bank-mandiri-lakukan-penyesuaian-kredit-berbasis-reference-rate","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=20577","title":{"rendered":"Bank Mandiri Lakukan Penyesuaian Kredit Berbasis Reference Rate"},"content":{"rendered":"\n<p><strong>BusinessUpdate  &#8211; <\/strong>Bank Mandiri menyambut baik langkah Bank Indonesia (BI) menurunkan suku bunga acuan BI Rate sebesar 25 basis poin (bps) menjadi 5,00%. Terkait hal itu, Bank Mandiri telah melakukan penyesuaian pada segmen kredit berbasis <em>reference rate<\/em>. <\/p>\n\n\n\n<p>Direktur Finance and Strategy Bank Mandiri Novita Widya Anggraini menyatakan, penyesuaian tersebut menjadi sinyal positif bagi dunia usaha. Bank Mandiri pun siap memperkuat sinergi dengan otoritas moneter melalui pertumbuhan kredit yang sehat, terukur, dan berpihak pada kebutuhan masyarakat maupun pelaku usaha. <\/p>\n\n\n\n<p>\u201cHal ini mencerminkan komitmen kami untuk terus mendukung perekonomian nasional,\u201d ujar Novita melalui keterangan resmi, Rabu (27\/8\/2025). <\/p>\n\n\n\n<p>Sejalan dengan itu, Bank Mandiri akan terus menjalankan fungsi intermediasi secara sehat dan selektif, terutama mendukung sektor produktif serta penguatan ekonomi kerakyatan. Dengan fokus pada pertumbuhan berbasis ekosistem <em>wholesale<\/em>, perseroan optimistis mampu tumbuh berkelanjutan melalui prinsip kehati-hatian (<em>prudential banking<\/em>). <\/p>\n\n\n\n<p>Bank Mandiri juga menegaskan telah melakukan penyesuaian pada segmen kredit berbasis <em>reference rate<\/em> sesuai arah penurunan BI Rate terkait suku bunga kredit. Transmisi tersebut dipengaruhi kondisi likuiditas industri, struktur biaya dana (<em>cost of fund<\/em>), serta komunikasi kepada nasabah. <\/p>\n\n\n\n<p>Sementara itu, portofolio kredit yang langsung mengacu pada BI Rate hanya mencakup porsi terbatas dibandingkan total portofolio. Penurunan BI Rate 25 bps diperkirakan menurunkan yield kredit sekitar 10\u201315 bps di level portofolio. Kemudian, dampak terhadap pendapatan bunga relatif minimal dan dapat dikelola melalui strategi peningkatan porsi kredit ritel dan usaha mikro kecil menengah (UMKM) sekaligus menjaga keseimbangan portofolio <em>wholesale<\/em>. <\/p>\n\n\n\n<p>Sebagai informasi, hingga Mei 2025, Bank Mandiri mencatat pertumbuhan kredit wholesale 15,8% secara tahunan (yoy), jauh di atas rata-rata industri 8,43% yoy. Kredit perumahan atau KPR juga tumbuh 14,2% yoy. <\/p>\n\n\n\n<p>Sementara itu, segmen ritel naik 8,95% secara tahunan, sejalan dengan tren industri. Pertumbuhan tersebut menunjukkan produk Bank Mandiri tetap diminati pasar. Kualitas kredit tetap terjaga dengan rasio <em>non-performing loan<\/em> (NPL) hanya 1,06% secara bank only pada periode yang sama, lebih rendah jika dibandingkan dengan rata-rata industri. <\/p>\n\n\n\n<p>Untuk memperluas akses layanan keuangan, Bank Mandiri mengoptimalkan kapabilitas digital melalui Livin\u2019 by Mandiri untuk nasabah ritel, Kopra by Mandiri bagi segmen wholesale, serta Livin\u2019 Merchant bagi UMKM. Dengan inovasi-inovasi itu, perseroan berupaya memperkuat fondasi pertumbuhan ekonomi nasional yang inklusif sekaligus mendorong akselerasi layanan finansial di seluruh lapisan masyarakat. (pa\/jh. Foto: Dok. Bank Mandiri)<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Bank Mandiri menyambut baik langkah Bank Indonesia (BI) menurunkan suku bunga acuan BI Rate sebesar 25 basis poin (bps) menjadi 5,00%. Terkait hal itu, Bank Mandiri telah melakukan penyesuaian pada segmen kredit berbasis reference rate. Direktur Finance and Strategy Bank Mandiri Novita Widya Anggraini menyatakan, penyesuaian tersebut menjadi sinyal positif bagi dunia usaha. [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":20578,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[647,426,1568,646,325,765,720,645],"class_list":{"0":"post-20577","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"tag-acuan","9":"tag-bank","10":"tag-bi-rate","11":"tag-bunga","12":"tag-indonesia","13":"tag-kredit","14":"tag-mandiri","15":"tag-suku"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Mandiri Lakukan Penyesuaian Kredit Berbasis Reference Rate - 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=20577\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Mandiri Lakukan Penyesuaian Kredit Berbasis Reference Rate - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Bank Mandiri menyambut baik langkah Bank Indonesia (BI) menurunkan suku bunga acuan BI Rate sebesar 25 basis poin (bps) menjadi 5,00%. Terkait hal itu, Bank Mandiri telah melakukan penyesuaian pada segmen kredit berbasis reference rate. Direktur Finance and Strategy Bank Mandiri Novita Widya Anggraini menyatakan, penyesuaian tersebut menjadi sinyal positif bagi dunia usaha. 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