{"id":24494,"date":"2026-03-31T11:37:38","date_gmt":"2026-03-31T04:37:38","guid":{"rendered":"https:\/\/businessupdate.id\/?p=24494"},"modified":"2026-03-31T11:37:41","modified_gmt":"2026-03-31T04:37:41","slug":"bank-muamalat-catat-pertumbuhan-laba-475-persen-pada-2025","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=24494","title":{"rendered":"Bank Muamalat Catat Pertumbuhan Laba 47,5 Persen pada 2025"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Muamalat Indonesia Tbk membukukan pertumbuhan laba sebelum pajak (<em>profit before tax<\/em>) sebesar 47,5% secara tahunan (yoy) menjadi Rp30,1 miliar per 31 Desember 2025. Hal ini disebabkan oleh konsolidasi bisnis yang dilakukan perseroan menunjukkan hasil positif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Alhamdulillah, sejumlah indikator utama sepanjang 2025 berhasil kami jaga untuk tumbuh positif, di antaranya aset, pembiayaan, dan DPK,&#8221; kata Direktur Utama Bank Muamalat Imam Teguh Saptono dalam keterangannya di Jakarta, Selasa (31\/3\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per akhir Desember 2025, total pembiayaan Bank Muamalat tumbuh sebesar 10,1% yoy mencapai Rp18,5 triliun. Sementara pembiayaan bagi hasil mudharabah tumbuh 42,9% yoy dari Rp379,9 miliar per Desember 2024 menjadi Rp543,1 miliar per Desember 2025. Pada periode yang sama, total aset meningkat sebesar 3,8 persen yoy menjadi Rp62,3 triliun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari sisi penghimpunan dana, perseroan mencatat pertumbuhan dana pihak ketiga (DPK) sebesar 9,0% yoy mencapai Rp45,5 triliun per akhir 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perseroan juga memastikan permodalan tetap solid, tercermin dari rasio kecukupan modal (<em>capital adequacy ratio<\/em>\/CAR) yang jauh di atas ketentuan batas minimum regulator, yakni sebesar 26,37% pada Desember 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imam mengatakan, perseroan semakin fokus menggarap segmen ritel konsumer. Produk unggulan seperti pembiayaan Solusi Emas Hijrah dan UMKM mencatat kenaikan yang signifikan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Produk pembiayaan emas melonjak 33 kali lipat yoy dengan pertumbuhan mencapai Rp1,1 triliun. Jumlah rekening nasabah (<em>number of account<\/em>) juga meningkat tajam lebih dari 1.200%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKenaikan yang signifikan ini mencerminkan kepercayaan masyarakat yang tinggi terhadap produk Solusi Emas Hijrah. Dengan tren yang positif ini, kami optimistis pencapaiannya akan terus berlanjut di 2026 seiring masih besarnya minat dan literasi masyarakat terhadap investasi emas,&#8221; kata Imam.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari aspek <em>customer experience<\/em>, perseroan terus melakukan optimalisasi jaringan kantor yang dimiliki. Per 31 Desember 2025, Bank Muamalat memiliki 80 kantor cabang utama termasuk 1 kantor cabang di Kuala Lumpur, Malaysia, dan 144 kantor cabang pembantu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain layanan tatap muka di kantor cabang, Bank Muamalat juga terus mengandalkan kanal digital sebagai bagian dari strategi peningkatan kenyamanan dan relevansi nasabah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berbagai layanan dan informasi perbankan syariah dapat diakses melalui mobile banking Muamalat DIN, internet banking, c<em>ash management system<\/em> Madina, serta jaringan ATM yang tersebar di berbagai daerah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jumlah pengguna Muamalat DIN, catat perseroan, mencapai lebih dari 600 ribu per Desember 2025 atau tumbuh lebih dari 6% yoy dengan jumlah transaksi meningkat lebih dari 11% yoy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perseroan berharap, kombinasi layanan fisik dan digital dapat mendukung kebutuhan transaksi nasabah yang semakin beragam serta mendorong pertumbuhan ekonomi nasional berbasis syariah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imam menambahkan, secara bertahap Bank Muamalat mulai mengarahkan kinerja yang tidak hanya bertumpu pada indikator finansial, tetapi juga pada <em>key performance indicato<\/em>r (KPI) berbasis maqasid syariah dengan implementasi melalui integrasi layanan zakat, infaq, sedekah dan wakaf (ziswaf) dalam aplikasi Muamalat DIN. (pa\/jh. Foto: Dok. Bank Muamalat)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Muamalat Indonesia Tbk membukukan pertumbuhan laba sebelum pajak (profit before tax) sebesar 47,5% secara tahunan (yoy) menjadi Rp30,1 miliar per 31 Desember 2025. Hal ini disebabkan oleh konsolidasi bisnis yang dilakukan perseroan menunjukkan hasil positif. &#8220;Alhamdulillah, sejumlah indikator utama sepanjang 2025 berhasil kami jaga untuk tumbuh positif, di antaranya aset, pembiayaan, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":24495,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[11580,8127,377,1775,553,586],"class_list":["post-24494","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank-muamalat","tag-indikator","tag-keuangan","tag-kinerja","tag-laba","tag-pajak"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Muamalat Catat Pertumbuhan Laba 47,5 Persen pada 2025 - 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=24494\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Muamalat Catat Pertumbuhan Laba 47,5 Persen pada 2025 - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Muamalat Indonesia Tbk membukukan pertumbuhan laba sebelum pajak (profit before tax) sebesar 47,5% secara tahunan (yoy) menjadi Rp30,1 miliar per 31 Desember 2025. Hal ini disebabkan oleh konsolidasi bisnis yang dilakukan perseroan menunjukkan hasil positif. &#8220;Alhamdulillah, sejumlah indikator utama sepanjang 2025 berhasil kami jaga untuk tumbuh positif, di antaranya aset, pembiayaan, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=24494\" \/>\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=\"2026-03-31T04:37:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-31T04:37:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2026\/03\/bank-muamalat-1-e1774930839965.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"730\" \/>\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=24494\",\"url\":\"https:\/\/businessupdate.id\/?p=24494\",\"name\":\"Bank Muamalat Catat Pertumbuhan Laba 47,5 Persen pada 2025 - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-03-31T04:37:38+00:00\",\"dateModified\":\"2026-03-31T04:37:41+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=24494#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=24494\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=24494#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bank Muamalat Catat Pertumbuhan Laba 47,5 Persen pada 2025\"}]},{\"@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":"Bank Muamalat Catat Pertumbuhan Laba 47,5 Persen pada 2025 - 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=24494","og_locale":"en_US","og_type":"article","og_title":"Bank Muamalat Catat Pertumbuhan Laba 47,5 Persen pada 2025 - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Muamalat Indonesia Tbk membukukan pertumbuhan laba sebelum pajak (profit before tax) sebesar 47,5% secara tahunan (yoy) menjadi Rp30,1 miliar per 31 Desember 2025. 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