{"id":22530,"date":"2025-12-16T14:10:26","date_gmt":"2025-12-16T07:10:26","guid":{"rendered":"https:\/\/businessupdate.id\/?p=22530"},"modified":"2025-12-16T14:10:29","modified_gmt":"2025-12-16T07:10:29","slug":"kredit-dan-dpk-bank-mandiri-tumbuh-dua-digit-cermin-likuiditas-terjaga","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=22530","title":{"rendered":"Kredit dan DPK Bank Mandiri Tumbuh Dua Digit, Cermin Likuiditas Terjaga"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211; <\/strong>PT Bank Mandiri (Persero) Tbk. (BMRI) mencatat pertumbuhan dua digit pada penyaluran kredit dan penghimpunan dana pihak ketiga (DPK) menjelang tutup buku 2025. Hal ini mencerminkan likuiditas yang tetap terjaga di tengah dinamika pasar keuangan.<\/p>\n\n\n\n<p>Berdasarkan laporan keuangan <em>bank only<\/em> per akhir November 2025, kredit perseroan tumbuh 13,1% secara tahunan (yoy) menjadi Rp1.452 triliun, sementara DPK meningkat 15,9% yoy ke level Rp1.584 triliun. <\/p>\n\n\n\n<p>Adapun, rasio kredit terhadap dana pihak ketiga (<em>loan to deposit ratio<\/em>\/LDR) berada di kisaran 91%. Seiring ekspansi kredit, total aset Bank Mandiri alias bank only per November 2025 naik 14,6% yoy menjadi Rp2.120 triliun. <\/p>\n\n\n\n<p>Dari sisi pendapatan, Bank Mandiri mencatat pendapatan bunga tumbuh 9,5% secara tahunan. Di sisi lain, tekanan beban bunga mulai mereda. Beban bunga pada November 2025 tercatat Rp3,6 triliun dan terus menurun sejak kuartal II. Secara kuartalan, beban bunga turun 1,7% hingga kuartal III dan diperkirakan berlanjut pada kuartal IV 2025. <\/p>\n\n\n\n<p>Direktur Finance and Strategy Bank Mandiri Novita Widya Anggraini mengatakan perbaikan biaya pendanaan tersebut mencerminkan kondisi likuiditas pasar yang semakin kondusif serta pengelolaan struktur pendanaan yang lebih efisien. <\/p>\n\n\n\n<p>\u201cPerbaikan biaya pendanaan memberikan ruang bagi kami untuk menjaga keseimbangan antara pertumbuhan dan profitabilitas. Fokus kami tetap pada kualitas pendanaan dan pengelolaan likuiditas yang prudent,\u201d ujarnya dalam keterangan resmi, Selasa (16\/12\/2025). <\/p>\n\n\n\n<p>Kontribusi pendapatan nonbunga hingga November 2025, tumbuh 12,1% yoy, didorong oleh peningkatan transaksi digital dan optimalisasi solusi keuangan. <em>Fee based income<\/em> dari transaksi digital tercatat tumbuh sekitar 14% yoy, dengan kontribusi Livin\u2019 by Mandiri yang melonjak hampir 20%. <\/p>\n\n\n\n<p>Sementara itu, bisnis<em> treasury<\/em> mencatat pertumbuhan <em>fee <\/em>sekitar 55% seiring meningkatnya aktivitas trading dan layanan nasabah. Dari sisi efisiensi, Bank Mandiri berhasil menekan beban operasional. <em>Operating expenses<\/em> (OPEX) turun 20,2% secara bulanan, sementara rasio biaya terhadap pendapatan (<em>cost to income rati<\/em>o\/CIR) terjaga di level 42,97%. <\/p>\n\n\n\n<p>Efisiensi ini didukung oleh pertumbuhan <em>net interest income<\/em> (NII) dan <em>fee based income<\/em> yang konsisten. Kualitas aset pun menunjukkan perbaikan. Rasio kredit bermasalah (<em>non performing loa<\/em>n\/NPL) tercatat 0,99% per November 2025, dengan <em>coverage ratio<\/em> sekitar 260%. Kondisi tersebut mendorong penurunan beban pencadangan hingga 36% secara tahunan, yang pada akhirnya memperkuat kinerja laba. <\/p>\n\n\n\n<p>Sejalan dengan perbaikan fundamental tersebut, laba bersih Bank Mandiri (bank only) pada November 2025 tumbuh 28,7% secara bulanan. Novita menegaskan bahwa fokus perseroan ke depan tetap pada keberlanjutan kinerja jangka panjang. (pa\/jh. Foto: Dok. Bank Mandiri)<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Mandiri (Persero) Tbk. (BMRI) mencatat pertumbuhan dua digit pada penyaluran kredit dan penghimpunan dana pihak ketiga (DPK) menjelang tutup buku 2025. Hal ini mencerminkan likuiditas yang tetap terjaga di tengah dinamika pasar keuangan. Berdasarkan laporan keuangan bank only per akhir November 2025, kredit perseroan tumbuh 13,1% secara tahunan (yoy) menjadi Rp1.452 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":14777,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,1101,2122,377,1775,765,553,1161,720,2123],"class_list":{"0":"post-22530","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"tag-bank","9":"tag-dana","10":"tag-ketiga","11":"tag-keuangan","12":"tag-kinerja","13":"tag-kredit","14":"tag-laba","15":"tag-laporan","16":"tag-mandiri","17":"tag-pihak"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kredit dan DPK Bank Mandiri Tumbuh Dua Digit, Cermin Likuiditas Terjaga - 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=22530\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredit dan DPK Bank Mandiri Tumbuh Dua Digit, Cermin Likuiditas Terjaga - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Mandiri (Persero) Tbk. (BMRI) mencatat pertumbuhan dua digit pada penyaluran kredit dan penghimpunan dana pihak ketiga (DPK) menjelang tutup buku 2025. Hal ini mencerminkan likuiditas yang tetap terjaga di tengah dinamika pasar keuangan. Berdasarkan laporan keuangan bank only per akhir November 2025, kredit perseroan tumbuh 13,1% secara tahunan (yoy) menjadi Rp1.452 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=22530\" \/>\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=\"2025-12-16T07:10:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-16T07:10:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/09\/Bank-Mandiri-e1727679352626.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"738\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\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=22530\",\"url\":\"https:\/\/businessupdate.id\/?p=22530\",\"name\":\"Kredit dan DPK Bank Mandiri Tumbuh Dua Digit, Cermin Likuiditas Terjaga - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2025-12-16T07:10:26+00:00\",\"dateModified\":\"2025-12-16T07:10:29+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=22530#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=22530\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=22530#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Kredit dan DPK Bank Mandiri Tumbuh Dua Digit, Cermin Likuiditas Terjaga\"}]},{\"@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":"Kredit dan DPK Bank Mandiri Tumbuh Dua Digit, Cermin Likuiditas Terjaga - 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=22530","og_locale":"en_US","og_type":"article","og_title":"Kredit dan DPK Bank Mandiri Tumbuh Dua Digit, Cermin Likuiditas Terjaga - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Mandiri (Persero) Tbk. 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