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Kisi-kisi Anyar Saham BMRI dan Prospek Kinerja 2026

Kisi-kisi Anyar Saham BMRI dan Prospek Kinerja 2026

Bank Mandiri (BMRI) menunjukkan pemulihan kinerja kuat menjelang 2026, didukung laba Rp5,26 triliun per November 2025 yang merupakan yang tertinggi kedua sepanjang sejarah. Prospek saham ini mendapat pandangan moderat hingga optimis dari sekuritas seperti CGS International, Henan Putihrai, dan Macquarie, dengan target harga rata-rata Rp5.512.

Kinerja Terkini

Kisi-kisi Anyar Saham BMRI dan Prospek Kinerja 2026

(Foto Saham BMRI dari Google Finansial)

Pendapatan bunga BMRI tumbuh 9,5% secara tahunan per November 2025, sementara beban bunga turun menjadi Rp3,6 triliun dengan tren likuiditas terjaga. Kredit dan DPK tumbuh dua digit, aset mencapai Rp2.120 triliun, serta LDR dijaga di 90% untuk mendukung ekspansi.

Proyeksi 2026

Manajemen optimis pertumbuhan kredit 9-11% sejalan target BI, dengan NIM stabil meski suku bunga turun berkat penurunan CoF ke 2,3%. Fee Based Income diproyeksikan double digit dari kanal digital seperti Livin' dan Kopra, CIR normalisasi ke 40-42%, serta fokus supply chain finance.

Rekomendasi Sekuritas

Sekuritas	Rekomendasi	Target Harga (Rp)
CGS International	Buy/Moderate	~Rp5.512 (rata-rata)
Henan Putihrai	Optimis	~Rp5.512 (rata-rata)
Macquarie	Buy	~Rp5.512 (rata-rata)

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