{"id":26449,"date":"2026-07-24T07:20:28","date_gmt":"2026-07-24T00:20:28","guid":{"rendered":"https:\/\/businessupdate.id\/?p=26449"},"modified":"2026-07-24T07:20:30","modified_gmt":"2026-07-24T00:20:30","slug":"aset-bank-mandiri-tumbuh-191-persen-berkat-ekspansi-kredit","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=26449","title":{"rendered":"Aset Bank Mandiri Tumbuh 19,1 Persen Berkat Ekspansi Kredit"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211; <\/strong>PT Bank Mandiri (Persero) Tbk (BMRI) mencatatkan aset sebesar Rp2.349,2 triliun pada akhir semester I\/2026. Aset perseroan bank only tumbuh 19,1% secara tahunan (yoy) ditopang oleh ekspansi kredit yang tetap tinggi di tengah pertumbuhan dana pihak ketiga (DPK) yang solid. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Finance and Strategy Bank Mandiri Novita Widya Anggraini mengatakan, pertumbuhan tersebut didorong oleh penyaluran kredit yang tumbuh 19,9% (yoy) dan DPK yang tumbuh 17,1%. \u201cPertumbuhan yang seimbang ini menjadi fondasi yang penting dalam menjaga struktur pendanaan yang sehat sekaligus memperkuat fungsi intermediasi Bank Mandiri,\u201d ujarnya dalam konferensi pers virtual, Kamis (23\/7\/2026). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain mencatatkan pertumbuhan neraca, Bank Mandiri juga memperbaiki efisiensi operasional. <em>Cost to Income Ratio<\/em> (CIR) turun menjadi 35,6% pada semester I\/2026, membaik 7,8 poin dibandingkan periode yang sama tahun lalu. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Novita mengungkapkan, peningkatan efisiensi tersebut bukan merupakan hasil penghematan jangka pendek, melainkan hasil dari transformasi digital yang terus dijalankan perseroan selama bertahun-tahun. \u201cSalah satu pencapaian yang paling membanggakan adalah peningkatan efisiensi operasional,\u201d tambahnya. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perbaikan efisiensi tersebut turut menjaga profitabilitas perseroan. Hingga semester I\/2026, Bank Mandiri membukukan <em>return on assets <\/em>(ROA) sebesar 3,10%, meningkat dari 2,89% pada periode yang sama tahun lalu. Sementara <em>return on equity<\/em> (ROE) naik menjadi 24,3% dari sebelumnya 21,1%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di sisi kualitas aset, rasio kredit bermasalah (<em>non-performing loan<\/em>\/NPL) gross membaik menjadi 0,98% dari 1,08% pada Juni 2025. Meski demikian, n<em>et interest margin<\/em> (NIM) tercatat turun dari 4,63% menjadi 4,37%, sedangkan <em>capital adequacy ratio<\/em> (CAR) berada di level 17,5%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peningkatan efisiensi tidak terlepas dari penguatan kapabilitas digital Bank Mandiri. Menurutnya, digital kini bukan sekadar kanal transaksi, tetapi telah menjadi fondasi utama dalam menghadirkan layanan yang lebih cepat, efisien, dan menjangkau lebih banyak masyarakat dan pelaku usaha. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Saat ini, platform Kopra by Mandiri telah digunakan lebih dari 354.000 pengguna, sekitar 84% di antaranya berasal dari segmen usaha mikro, kecil, dan menengah (UMKM). \u201cHal ini menunjukkan bahwa transformasi digital tidak hanya dinikmati oleh perusahaan-perusahaan besar tapi juga telah menjadi bagian dari aktivitas operasional pelaku usaha kecil dan menengah,\u201d jelasnya. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara itu, Livin&#8217; by Mandiri telah memiliki lebih dari 41 juta pengguna dengan frekuensi transaksi yang terus meningkat sepanjang kuartal II\/2026. Tidak hanya bertambah dari sisi jumlah pengguna, intensitas pemanfaatan juga terus meningkat. Hal ini tecermin dari frekuensi transaksi yang terus tumbuh sepanjang Kuartal II\/2026. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Secara rata-rata, apabila jumlah transaksi di Livin&#8217; dijalankan oleh jaringan konvensional Bank Mandiri maka ini setara dengan sekitar 11.500 transaksi per hari atau 1.700 transaksi per jam layanan di setiap kantor layanan. \u201cHal ini menunjukkan bahwa Livin&#8217; telah berkembang menjadi bagian dari aktivitas finansial sehari-hari di masyarakat,\u201d tutupnya. (pa\/jh. Foto: Dok. Bank Mandiri)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Mandiri (Persero) Tbk (BMRI) mencatatkan aset sebesar Rp2.349,2 triliun pada akhir semester I\/2026. Aset perseroan bank only tumbuh 19,1% secara tahunan (yoy) ditopang oleh ekspansi kredit yang tetap tinggi di tengah pertumbuhan dana pihak ketiga (DPK) yang solid. Direktur Finance and Strategy Bank Mandiri Novita Widya Anggraini mengatakan, pertumbuhan tersebut didorong [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":21158,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[434,244,138,765,11389],"class_list":["post-26449","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-aset","tag-bank-mandiri","tag-digitalisasi","tag-kredit","tag-laporan-keuangan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Aset Bank Mandiri Tumbuh 19,1 Persen Berkat Ekspansi Kredit - 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=26449\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aset Bank Mandiri Tumbuh 19,1 Persen Berkat Ekspansi Kredit - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Mandiri (Persero) Tbk (BMRI) mencatatkan aset sebesar Rp2.349,2 triliun pada akhir semester I\/2026. Aset perseroan bank only tumbuh 19,1% secara tahunan (yoy) ditopang oleh ekspansi kredit yang tetap tinggi di tengah pertumbuhan dana pihak ketiga (DPK) yang solid. 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