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Laporan Keuangan Ringkasan laba rugi, neraca, dan arus kas — BMRI PT Bank Mandiri (Persero) Tbk

Emiten
Tahun (s/d)
Periode
Satuan
 
Laba Rugi Neraca Arus Kas
BMRI — Income Statement (Laba Rugi)
Dalam Jutaan IDR  |  Triwulanan  |  10 periode s/d 2026
IDX · Data asli: IDR
Dalam Jutaan IDR Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024
▼ Total Pendapatan 77,510,91839,447,079169,224,040125,561,33083,730,54743,043,158169,260,931122,569,43579,923,22240,025,636
Pendapatan Bunga 72,895,40337,374,483164,412,466122,297,20581,576,34339,626,254151,236,027110,636,51272,223,84835,535,295
Provisi Dan Komisi Kredit 4,124,1981,785,5144,261,1592,963,8652,093,1851,125,9864,929,6413,820,2952,394,0851,174,354
Others 491,317287,082550,415300,26061,0192,290,91813,095,2638,112,6285,305,2893,315,987
Total Pendapatan 77,510,91839,447,079169,224,040125,561,33083,730,54743,043,158169,260,931122,569,43579,923,22240,025,636
▼ Total Beban Pokok Penjualan (26,315,671)(12,941,773)(61,292,747)(46,337,054)(30,048,334)(14,355,222)(50,701,953)(36,675,672)(23,533,979)(11,525,622)
Beban Bunga (25,056,230)(12,324,861)(58,202,431)(44,038,590)(29,192,706)(14,121,434)(49,479,107)(36,033,401)(23,142,786)(11,349,428)
Beban Provisi Dan Komisi (1,259,441)(616,912)(3,090,316)(2,298,464)(855,628)(233,788)(1,222,846)(642,271)(391,193)(176,194)
Total Beban Pokok Penjualan (26,315,671)(12,941,773)(61,292,747)(46,337,054)(30,048,334)(14,355,222)(50,701,953)(36,675,672)(23,533,979)(11,525,622)
Laba Kotor 51,195,24726,505,306107,931,29379,224,27653,682,21328,687,936118,558,97885,893,76356,389,24328,500,014
▼ Total Beban Usaha (12,132,456)(6,583,449)(31,620,554)(27,790,547)(20,239,380)(10,574,116)(42,499,383)(28,567,781)(19,783,493)(10,894,756)
▼ Pendapatan Operasional Lainnya 12,092,4396,180,11328,815,00117,137,66510,017,2623,590,38111,139,9918,760,9814,614,9131,401,972
Provisi Dan Komisi Lainnya ----------
Keuntungan Transaksi Perdagangan 2,916,9581,376,4696,343,4824,708,6662,743,2701,639,6754,483,2983,366,1072,110,6861,218,483
Pendapatan Dividen ----------
Keuntungan (Rugi) Atas Transaksi Derivatif ----------
Others 9,175,4814,803,64422,471,51912,428,9997,273,9921,950,7066,656,6935,394,8742,504,227183,489
Total Pendapatan Operasional 12,092,4396,180,11328,815,00117,137,66510,017,2623,590,38111,139,9918,760,9814,614,9131,401,972
▼ Beban Operasional Lainnya (24,224,895)(12,763,562)(60,435,555)(44,928,212)(30,256,642)(14,164,497)(53,639,374)(37,328,762)(24,398,406)(12,296,728)
Beban Penyisihan Kerugian Penurunan Nilai ----------
Beban Umum Dan Administrasi (20,416,907)(10,820,789)(52,999,201)(39,344,605)(25,700,129)(12,470,878)(46,762,170)(32,966,196)(21,581,033)(10,741,630)
Others (3,807,988)(1,942,773)(7,436,354)(5,583,607)(4,556,513)(1,693,619)(6,877,204)(4,362,566)(2,817,373)(1,555,098)
Total Beban Operasional (24,224,895)(12,763,562)(60,435,555)(44,928,212)(30,256,642)(14,164,497)(53,639,374)(37,328,762)(24,398,406)(12,296,728)
Total Beban Usaha (12,132,456)(6,583,449)(31,620,554)(27,790,547)(20,239,380)(10,574,116)(42,499,383)(28,567,781)(19,783,493)(10,894,756)
Laba Usaha 39,062,79119,921,85776,310,73951,433,72933,442,83318,113,82076,059,59557,325,98236,605,75017,605,258
▼ Penghasilan/Beban Lain-Lain (21,623)22,072106,824113,47480,54064,840343,89118,569(625)(2,651)
Others (21,623)22,072106,824113,47480,54064,840343,89118,569(625)(2,651)
Total Penghasilan/Beban Lain-Lain (21,623)22,072106,824113,47480,54064,840343,89118,569(625)(2,651)
Laba Sebelum Pajak 39,041,16819,943,92976,417,56351,547,20333,523,37318,178,66076,403,48657,344,55136,605,12517,602,607
▼ Beban Pajak Penghasilan (7,414,144)(3,730,580)(15,071,430)(10,174,262)(6,673,047)(3,648,510)(15,238,365)(11,261,297)(7,334,398)(3,481,158)
Pajak Kini ----------
Pajak Tangguhan ----------
Total Beban Pajak Penghasilan (7,414,144)(3,730,580)(15,071,430)(10,174,262)(6,673,047)(3,648,510)(15,238,365)(11,261,297)(7,334,398)(3,481,158)
Laba Bersih Tahun Berjalan 31,627,02416,213,34961,346,13341,372,94126,850,32614,530,15061,165,12146,083,25429,270,72714,121,449
▼ Pendapatan Komprehensif Lain (3,655,749)(2,881,438)7,127,7883,809,3212,161,561683,473(18,356)1,994,959(488,624)203,505
Others (3,655,749)(2,881,438)7,127,7883,809,3212,161,561683,473(18,356)1,994,959(488,624)203,505
Total Pendapatan Komprehensif Lain (3,655,749)(2,881,438)7,127,7883,809,3212,161,561683,473(18,356)1,994,959(488,624)203,505
Jumlah Laba Komprehensif 27,971,27513,331,91168,473,92145,182,26229,011,88715,213,62361,146,76548,078,21328,782,10314,324,954
▼ Laba Bersih Yang Dapat Diatribusikan 31,627,02416,213,34961,346,13341,372,94126,850,32614,530,15061,165,12146,083,25429,270,72714,121,449
Pemilik Entitas Induk 30,412,31915,384,13156,293,95037,730,14224,455,08213,197,25955,782,74242,017,35426,550,64012,702,178
Kepentingan Non-Pengendali 1,214,705829,2185,052,1833,642,7992,395,2441,332,8915,382,3794,065,9002,720,0871,419,271
Total Laba Bersih Yang Dapat Diatribusikan 31,627,02416,213,34961,346,13341,372,94126,850,32614,530,15061,165,12146,083,25429,270,72714,121,449
▼ Laba Komprehensif Yang Dapat Diatribusikan 27,971,27513,331,91168,473,92145,182,26229,011,88715,213,62361,146,76548,078,21328,782,10314,324,954
Pemilik Entitas Induk 27,088,19912,680,53063,192,56241,345,11826,542,79713,877,89455,740,40143,757,85325,991,98312,870,027
Kepentingan Non-Pengendali 883,076651,3815,281,3593,837,1442,469,0901,335,7295,406,3644,320,3602,790,1201,454,927
Total Laba Komprehensif Yang Dapat Diatribusikan 27,971,27513,331,91168,473,92145,182,26229,011,88715,213,62361,146,76548,078,21328,782,10314,324,954
Key Ratios — BMRI ROE, ROA, EPS disetahunkan · Metode Teguh Hidayat · Harga saham: Rp 4.130 (2026-07-24)
Rasio Q2 2026 ×2 Q1 2026 ×4 Q4 2025 Q3 2025 ×1⅓ Q2 2025 ×2 Q1 2025 ×4 Q4 2024 Q3 2024 ×1⅓ Q2 2024 ×2 Q1 2024 ×4
Profitabilitas
Gross Margin (%) 66.05% 67.19% 63.78% 63.10% 64.11% 66.65% 70.05% 70.08% 70.55% 71.20%
Operating Margin (%) 50.40% 50.50% 45.09% 40.96% 39.94% 42.08% 44.94% 46.77% 45.80% 43.98%
Net Margin (%) 39.24% 39.00% 33.27% 30.05% 29.21% 30.66% 32.96% 34.28% 33.22% 31.74%
ROE (%) 21.37% 20.18% 19.16% 17.86% 18.33% 20.77% 19.66% 20.59% 20.88% 21.11%
ROA (%) 2.41% 2.53% 1.99% 1.96% 1.94% 2.14% 2.30% 2.41% 2.35% 2.35%
Per Lembar Saham
EPS (Rp) 658,28 665,98 609,24 544,45 529,33 571,31 603,71 606,31 574,69 549,88
BVPS (Rp) 3.080,02 3.300,38 3.179,12 3.047,95 2.887,76 2.750,69 3.071,39 2.945,01 2.752,74 2.604,84
Valuasi
PER (x) 6.27x 6.20x 6.78x 7.59x 7.80x 7.23x 6.84x 6.81x 7.19x 7.51x
PBV (x) 1.34x 1.25x 1.30x 1.36x 1.43x 1.50x 1.34x 1.40x 1.50x 1.59x
Struktur Modal
DER (x) 7.63x 6.75x 6.76x 6.30x 6.61x 6.78x 5.93x 5.95x 6.20x 6.20x