{"id":2660,"date":"2026-05-04T11:03:00","date_gmt":"2026-05-04T04:03:00","guid":{"rendered":"https:\/\/stabilitas.id\/blog\/laba-bank-danamon-bdmn-melonjak-35-di-kuartal-i-2026-nim-tembus-76\/"},"modified":"2026-05-04T11:03:00","modified_gmt":"2026-05-04T04:03:00","slug":"laba-bank-danamon-bdmn-melonjak-35-di-kuartal-i-2026-nim-tembus-76","status":"publish","type":"post","link":"https:\/\/stabilitas.id\/blog\/laba-bank-danamon-bdmn-melonjak-35-di-kuartal-i-2026-nim-tembus-76\/","title":{"rendered":"Laba Bank Danamon (BDMN) Melonjak 35% di Kuartal I\/2026, NIM Tembus 7,6%"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div id=\"model-response-message-contentr_5451b91bd3fac101\" dir=\"ltr\" aria-live=\"polite\" aria-busy=\"false\">\n<p data-path-to-node=\"0\"><span style=\"color: #ff0000;\"><strong>Stabilitas.id<\/strong><\/span> \u2013 PT Bank Danamon Indonesia Tbk. (BDMN) mengawali tahun 2026 dengan performa impresif. Emiten perbankan milik grup MUFG ini membukukan laba bersih konsolidasian sebesar Rp1,1 triliun pada kuartal I\/2026, melonjak 35% dibandingkan periode yang sama tahun lalu.<\/p>\n<p data-path-to-node=\"4\">Pertumbuhan laba yang signifikan ini didorong oleh kenaikan pendapatan operasional sebelum pencadangan (PPOP) yang tumbuh 12% secara tahunan (<i data-path-to-node=\"4\" data-index-in-node=\"142\">year-on-year<\/i>\/YoY) menjadi Rp2,6 triliun. Selain itu, Danamon berhasil menekan biaya kredit (<i data-path-to-node=\"4\" data-index-in-node=\"234\">cost of credit<\/i>) sebesar 13% YoY, sehingga laba operasional tercatat sebesar Rp1,6 triliun.<\/p>\n<p data-path-to-node=\"5\">Direktur Utama Danamon, Nobuya Kawasaki, menyatakan bahwa pencapaian ini mencerminkan keberhasilan strategi perseroan dalam menyeimbangkan pertumbuhan penyaluran kredit dengan prinsip kehati-hatian.<\/p>\n<p data-path-to-node=\"6\">\u201cDanamon mengawali tahun 2026 dengan kinerja keuangan yang kuat, ditandai pertumbuhan pada penyaluran kredit, penghimpunan dana, serta profitabilitas, dengan tetap menjaga kualitas aset,\u201d ujar Kawasaki dalam siaran pers, dikutip Senin (4\/5\/2026).<\/p>\n<p data-path-to-node=\"6\"><b data-path-to-node=\"7\" data-index-in-node=\"0\">Intermediasi dan Kualitas Aset<\/b><\/p>\n<p data-path-to-node=\"8\">Dari sisi fungsi intermediasi, total kredit serta <i data-path-to-node=\"8\" data-index-in-node=\"50\">trade finance<\/i> konsolidasian Danamon tumbuh 9% YoY menjadi Rp216,2 triliun. Lini bisnis <i data-path-to-node=\"8\" data-index-in-node=\"137\">Enterprise Banking &amp; Financial Institution<\/i> menjadi kontributor utama dengan pertumbuhan 11% YoY.<\/p>\n<p data-path-to-node=\"9\">Segmen lain juga menunjukkan tren positif, di mana <i data-path-to-node=\"9\" data-index-in-node=\"51\">SME Banking<\/i> tumbuh 9%, <i data-path-to-node=\"9\" data-index-in-node=\"74\">Consumer Banking<\/i> naik 7%, dan pembiayaan melalui Adira Finance meningkat 5% YoY. Perseroan juga mencatatkan margin bunga bersih (<i data-path-to-node=\"9\" data-index-in-node=\"203\">Net Interest Margin<\/i>\/NIM) yang cukup tebal di level 7,6%.<\/p>\n<p data-path-to-node=\"10\">Meskipun ekspansi kredit terus berjalan, Danamon tetap menjaga manajemen risiko dengan rasio <i data-path-to-node=\"10\" data-index-in-node=\"93\">loan at risk<\/i> (LAR) yang terkendali di level 8,2% per 31 Maret 2026.<\/p>\n<p data-path-to-node=\"10\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">Penghimpunan Dana Murah<\/b><\/p>\n<p data-path-to-node=\"12\">Pada sisi pendanaan, Danamon mencatatkan pertumbuhan total dana pihak ketiga (DPK) yang agresif. Total saldo giro, tabungan (CASA), dan deposito mencapai Rp176,1 triliun, atau tumbuh 16% dibandingkan posisi tahun sebelumnya.<\/p>\n<p data-path-to-node=\"13\">Kenaikan DPK yang dibarengi dengan efisiensi biaya kredit diharapkan dapat menjaga momentum profitabilitas Danamon sepanjang sisa tahun 2026. ***<\/p>\n<p data-path-to-node=\"15\"><b data-path-to-node=\"15\" data-index-in-node=\"0\">Ringkasan Kinerja Keuangan Bank Danamon (BDMN) 1Q26:<\/b><\/p>\n<table data-path-to-node=\"16\">\n<thead>\n<tr>\n<td><strong>Indikator Keuangan<\/strong><\/td>\n<td><strong>Capaian (1Q26)<\/strong><\/td>\n<td><strong>Pertumbuhan (YoY)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"16,1,0,0\"><b data-path-to-node=\"16,1,0,0\" data-index-in-node=\"0\">Laba Bersih<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,1,1,0\">Rp1,1 Triliun<\/span><\/td>\n<td><span data-path-to-node=\"16,1,2,0\">Naik 35%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,2,0,0\"><b data-path-to-node=\"16,2,0,0\" data-index-in-node=\"0\">Pendapatan Operasional<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,2,1,0\">Rp2,6 Triliun<\/span><\/td>\n<td><span data-path-to-node=\"16,2,2,0\">Naik 12%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,3,0,0\"><b data-path-to-node=\"16,3,0,0\" data-index-in-node=\"0\">Total Kredit &amp; Trade Finance<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,3,1,0\">Rp216,2 Triliun<\/span><\/td>\n<td><span data-path-to-node=\"16,3,2,0\">Naik 9%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,4,0,0\"><b data-path-to-node=\"16,4,0,0\" data-index-in-node=\"0\">Total DPK<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,4,1,0\">Rp176,1 Triliun<\/span><\/td>\n<td><span data-path-to-node=\"16,4,2,0\">Naik 16%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,5,0,0\"><b data-path-to-node=\"16,5,0,0\" data-index-in-node=\"0\">NIM (Net Interest Margin)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,5,1,0\">7,6%<\/span><\/td>\n<td><span data-path-to-node=\"16,5,2,0\">Kuat<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"16,6,0,0\"><b data-path-to-node=\"16,6,0,0\" data-index-in-node=\"0\">LAR (Loan at Risk)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"16,6,1,0\">8,2%<\/span><\/td>\n<td><span data-path-to-node=\"16,6,2,0\">Terkendali<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.stabilitas.id\/laba-bank-danamon-bdmn-melonjak-35-di-kuartal-i-2026-nim-tembus-76\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stabilitas.id \u2013 PT Bank Danamon Indonesia Tbk. (BDMN) mengawali tahun 2026 dengan performa impresif. Emiten perbankan milik grup MUFG ini [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2661,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-2660","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog"},"_links":{"self":[{"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/posts\/2660","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/comments?post=2660"}],"version-history":[{"count":0,"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/posts\/2660\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/media\/2661"}],"wp:attachment":[{"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/media?parent=2660"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/categories?post=2660"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stabilitas.id\/blog\/wp-json\/wp\/v2\/tags?post=2660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}