{"id":23685,"date":"2026-02-09T07:27:06","date_gmt":"2026-02-09T00:27:06","guid":{"rendered":"https:\/\/businessupdate.id\/?p=23685"},"modified":"2026-02-09T10:15:12","modified_gmt":"2026-02-09T03:15:12","slug":"bank-mandiri-taspen-selektif-himpun-dana-pihak-ketiga","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=23685","title":{"rendered":"Bank Mandiri Taspen Selektif Himpun Dana Pihak Ketiga"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> PT Bank Mandiri Taspen akan lebih selektif dalam menghimpun dana pihak ketiga (DPK) pada tahun ini seiring posisi likuiditas perseroan yang dinilai sudah memadai. Strategi penghimpunan dana kini difokuskan untuk menekan biaya dana atau <em>cost of fund<\/em> melalui peningkatan dana murah alias <em>current account saving account<\/em> (CASA). <\/p>\n\n\n\n<p>Hal ini ditegaskan oleh Direktur Utama Bank Mandiri Taspen Panji Irawan. &#8220;DPK-nya kami pilih-pilih, karena DPK sudah cukup. Kami ingin bagaimana supaya <em>cost of fund<\/em> turun, dalam hal ini kita mau nyari CASA,&#8221; ujar Panji dikutip dari <em>Bisnis<\/em>, Senin (9\/2\/2026). <\/p>\n\n\n\n<p>Di tengah strategi tersebut, Bank Mandiri Taspen tetap membidik pertumbuhan kredit dua digit pada tahun ini. Panji menyebut, perseroan menargetkan pertumbuhan kredit sekitar 12% yang akan dicapai melalui strategi organik maupun anorganik. <\/p>\n\n\n\n<p>Dari sisi penyaluran kredit, Mandiri Taspen masih akan mempertahankan fokus pada segmen pensiunan sesuai dengan mandat pemegang saham. Meski demikian, perseroan juga memiliki portofolio terbatas di luar segmen utama tersebut. <\/p>\n\n\n\n<p>\u201cSegmen kami masih segmen pensiunan. Ada di Bali untuk yang non-pensiunan, UMKM, kredit kecil. Tapi kami dirancang sama <em>owner<\/em> untuk kasih kredit ke pensiunan,\u201d kata Panji. <\/p>\n\n\n\n<p>Adapun tantangan utama dalam penyaluran kredit pensiunan tahun ini berkaitan dengan pengelolaan risiko yang bergantung pada dukungan industri asuransi. Panji menjelaskan, setiap kredit pensiunan dilengkapi dengan skema lindung nilai melalui premi asuransi. <\/p>\n\n\n\n<p>\u201cKami memberikan kredit kepada pensiunan dan kami <em>hedge<\/em> dengan premi asuransi, baik asuransi jiwa maupun asuransi kredit. Sepanjang itu berjalan dengan bagus, sebetulnya risikonya rendah sekali,\u201d jelasnya. <\/p>\n\n\n\n<p>Bank Mandiri Taspen atau Bank Mantap membukukan laba bersih sebesar Rp1,58 triliun pada 2025, naik tipis 0,22% secara tahunan (yoy) dibandingkan capaian laba bersih tahun sebelumnya sebesar Rp1,57 triliun. <\/p>\n\n\n\n<p>Sementara Berdasarkan laporan keuangan per 31 Desember 2025, total kredit yang disalurkan Bank Mandiri Taspen mencapai Rp50,53 triliun, meningkat dibandingkan posisi Rp46,26 triliun pada 2024. <\/p>\n\n\n\n<p>Di sisi penghimpunan dana, DPK Bank Mandiri Taspen tercatat sebesar Rp55,03 triliun pada 2025, naik 12,73% dari Rp48,82 triliun pada tahun sebelumnya. Kinerja permodalan Bank Mandiri Taspen juga tetap kuat. Rasio kecukupan modal atau <em>Capital Adequacy Ratio<\/em> (CAR\/KPMM) tercatat 30,47% pada 2025, meningkat dari 27,43% pada 2024 atau tumbuh 11,08% secara tahunan, jauh di atas ketentuan minimum regulator. <\/p>\n\n\n\n<p>Dari sisi likuiditas, <em>loan to deposit ratio<\/em> (LDR) berada di level 91,82%, membaik dibandingkan 94,75% pada tahun sebelumnya. Adapun <em>liquidity coverage ratio<\/em> (LCR) meningkat 7,37% YoY dari 212,44% menjadi 228,10%. (ip\/jh. Foto: Dok Bank Mantap)<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Mandiri Taspen akan lebih selektif dalam menghimpun dana pihak ketiga (DPK) pada tahun ini seiring posisi likuiditas perseroan yang dinilai sudah memadai. Strategi penghimpunan dana kini difokuskan untuk menekan biaya dana atau cost of fund melalui peningkatan dana murah alias current account saving account (CASA). Hal ini ditegaskan oleh Direktur Utama [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":18473,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,6455,1101,2122,720,10802,2123,1369],"class_list":{"0":"post-23685","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"tag-bank","9":"tag-casa","10":"tag-dana","11":"tag-ketiga","12":"tag-mandiri","13":"tag-mantap","14":"tag-pihak","15":"tag-taspen"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Mandiri Taspen Selektif Himpun Dana Pihak Ketiga - 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=23685\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Mandiri Taspen Selektif Himpun Dana Pihak Ketiga - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Mandiri Taspen akan lebih selektif dalam menghimpun dana pihak ketiga (DPK) pada tahun ini seiring posisi likuiditas perseroan yang dinilai sudah memadai. Strategi penghimpunan dana kini difokuskan untuk menekan biaya dana atau cost of fund melalui peningkatan dana murah alias current account saving account (CASA). Hal ini ditegaskan oleh Direktur Utama [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=23685\" \/>\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=\"2026-02-09T00:27:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-09T03:15:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2025\/05\/bank-mandiri-taspen-e1746179442869.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"756\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Iyan Pahlevi\" \/>\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=\"Iyan Pahlevi\" \/>\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=23685\",\"url\":\"https:\/\/businessupdate.id\/?p=23685\",\"name\":\"Bank Mandiri Taspen Selektif Himpun Dana Pihak Ketiga - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-02-09T00:27:06+00:00\",\"dateModified\":\"2026-02-09T03:15:12+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=23685#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=23685\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=23685#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bank Mandiri Taspen Selektif Himpun Dana Pihak Ketiga\"}]},{\"@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\/9f0dc243b4a81c67b3b44f67a90cfc5d\",\"name\":\"Iyan Pahlevi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"caption\":\"Iyan Pahlevi\"},\"url\":\"https:\/\/businessupdate.id\/?author=6\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Bank Mandiri Taspen Selektif Himpun Dana Pihak Ketiga - 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=23685","og_locale":"en_US","og_type":"article","og_title":"Bank Mandiri Taspen Selektif Himpun Dana Pihak Ketiga - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Mandiri Taspen akan lebih selektif dalam menghimpun dana pihak ketiga (DPK) pada tahun ini seiring posisi likuiditas perseroan yang dinilai sudah memadai. Strategi penghimpunan dana kini difokuskan untuk menekan biaya dana atau cost of fund melalui peningkatan dana murah alias current account saving account (CASA). Hal ini ditegaskan oleh Direktur Utama [&hellip;]","og_url":"https:\/\/businessupdate.id\/?p=23685","og_site_name":"Businessupdate.id","article_publisher":"https:\/\/www.facebook.com\/profile.php?id=100088795961927","article_published_time":"2026-02-09T00:27:06+00:00","article_modified_time":"2026-02-09T03:15:12+00:00","og_image":[{"width":1200,"height":756,"url":"https:\/\/businessupdate.id\/wp-content\/uploads\/2025\/05\/bank-mandiri-taspen-e1746179442869.webp","type":"image\/webp"}],"author":"Iyan Pahlevi","twitter_card":"summary_large_image","twitter_creator":"@EnterpriseMse","twitter_site":"@EnterpriseMse","twitter_misc":{"Written by":"Iyan Pahlevi","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/businessupdate.id\/?p=23685","url":"https:\/\/businessupdate.id\/?p=23685","name":"Bank Mandiri Taspen Selektif Himpun Dana Pihak Ketiga - Businessupdate.id","isPartOf":{"@id":"https:\/\/businessupdate.id\/#website"},"datePublished":"2026-02-09T00:27:06+00:00","dateModified":"2026-02-09T03:15:12+00:00","author":{"@id":"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d"},"breadcrumb":{"@id":"https:\/\/businessupdate.id\/?p=23685#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/businessupdate.id\/?p=23685"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/businessupdate.id\/?p=23685#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/businessupdate.id\/"},{"@type":"ListItem","position":2,"name":"Bank Mandiri Taspen Selektif Himpun Dana Pihak Ketiga"}]},{"@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\/9f0dc243b4a81c67b3b44f67a90cfc5d","name":"Iyan Pahlevi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/businessupdate.id\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g","caption":"Iyan Pahlevi"},"url":"https:\/\/businessupdate.id\/?author=6"}]}},"_links":{"self":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/23685","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23685"}],"version-history":[{"count":1,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/23685\/revisions"}],"predecessor-version":[{"id":23686,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/23685\/revisions\/23686"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/media\/18473"}],"wp:attachment":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23685"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23685"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}