{"id":6739,"date":"2025-11-18T13:50:35","date_gmt":"2025-11-18T06:50:35","guid":{"rendered":"https:\/\/regular-investor.com\/?p=6739"},"modified":"2025-11-18T13:50:39","modified_gmt":"2025-11-18T06:50:39","slug":"bank-raya-agro-catat-laba-rp4197-miliar-di-kuartal-iii-2025-kredit-digital-tumbuh-50","status":"publish","type":"post","link":"https:\/\/regular-investor.com\/index.php\/2025\/11\/18\/bank-raya-agro-catat-laba-rp4197-miliar-di-kuartal-iii-2025-kredit-digital-tumbuh-50\/","title":{"rendered":"Bank Raya (AGRO) Catat Laba Rp41,97 Miliar di Kuartal III-2025, Kredit Digital Tumbuh 50%"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Laba Bersih Bank Raya Tumbuh 23,9% YoY<\/h3>\n\n\n\n<p>PT <strong>Bank Raya Indonesia Tbk (AGRO)<\/strong> mencatatkan <strong>laba bersih Rp41,97 miliar<\/strong> hingga Kuartal III-2025, meningkat <strong>23,9% YoY<\/strong> dibandingkan Rp33,8 miliar pada periode yang sama tahun sebelumnya.<\/p>\n\n\n\n<p>Pertumbuhan laba ini ditopang oleh <strong>penyaluran kredit<\/strong> yang naik <strong>7,1% YoY<\/strong> menjadi Rp7,27 triliun. Kredit digital menjadi motor utama dengan pertumbuhan <strong>50,1% YoY<\/strong> mencapai Rp20,61 triliun, mendorong outstanding kredit digital naik <strong>52,1% YoY<\/strong> menjadi Rp2,73 triliun.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fokus Bank Digital dengan Inovasi dan Manajemen Risiko<\/h3>\n\n\n\n<p>Direktur Utama Bank Raya, <strong>Ida Bagus Ketut Subagia<\/strong>, menegaskan bahwa pencapaian ini menjadi bukti komitmen Bank Raya untuk bertumbuh sebagai <strong>bank digital berbasis inovasi dan kolaborasi<\/strong>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cDengan situasi yang menantang, kami selalu mengedepankan prinsip kehati-hatian sambil melihat peluang untuk tumbuh secara berkelanjutan,\u201d ujar Bagus (17\/11\/2025).<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Dana Pihak Ketiga dan CASA Naik Signifikan<\/h3>\n\n\n\n<p>Dari sisi pendanaan, <strong>Dana Pihak Ketiga (DPK)<\/strong> tumbuh <strong>16,5% YoY<\/strong> menjadi Rp9,15 triliun. Porsi <strong>CASA<\/strong> juga meningkat tajam:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Total CASA: Rp2,72 triliun (naik 38,8% YoY)<\/li>\n\n\n\n<li>Rasio CASA: 29,78%<\/li>\n<\/ul>\n\n\n\n<p>Pertumbuhan dana ini menopang <strong>total aset Bank Raya<\/strong> yang naik <strong>6% YoY<\/strong> menjadi Rp13,59 triliun.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Profitabilitas Meningkat, NIM Capai 5%<\/h3>\n\n\n\n<p>Rasio profitabilitas Bank Raya menunjukkan perbaikan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Net Interest Margin (NIM)<\/strong>: naik ke 5% dari 4,35%<\/li>\n\n\n\n<li><strong>Return on Asset (ROA)<\/strong>: 0,42% (naik dari 0,36%)<\/li>\n\n\n\n<li><strong>Return on Equity (ROE)<\/strong>: 1,72% (naik dari 1,41%)<\/li>\n<\/ul>\n\n\n\n<p>Likuiditas dan intermediasi juga terjaga:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Loan to Deposit Ratio (LDR)<\/strong>: 79,40%<\/li>\n\n\n\n<li><strong>Rasio Intermediasi Makroprudensial (RIM)<\/strong>: 85,17%<\/li>\n\n\n\n<li><strong>Liquidity Coverage Ratio (LCR)<\/strong>: 329,20%<\/li>\n\n\n\n<li><strong>Net Stable Funding Ratio (NSFR)<\/strong>: 164,49%<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Modal Kuat untuk Ekspansi Bisnis<\/h3>\n\n\n\n<p>Bank Raya memiliki permodalan yang solid:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Total CAR<\/strong>: 42,35%<\/li>\n\n\n\n<li><strong>Tier 1 CAR<\/strong>: 41,55%<\/li>\n<\/ul>\n\n\n\n<p>Modal kuat ini menjadi landasan untuk mendukung ekspansi bisnis ke depan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Aplikasi Raya Dorong Pertumbuhan Digital<\/h3>\n\n\n\n<p>Hingga September 2025, pengguna <strong>Aplikasi Raya<\/strong> mencapai lebih dari <strong>1,6 juta nasabah<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transaksi digital: naik 45,4% YoY menjadi 3,8 juta transaksi<\/li>\n\n\n\n<li><strong>Digital saving<\/strong>: Rp1,75 triliun, tumbuh 61,4% YoY<\/li>\n<\/ul>\n\n\n\n<p>Bank Raya terus meluncurkan inovasi baru, termasuk <strong>Visa Virtual Card<\/strong> dan <strong>Fitur Uang Saku<\/strong> dalam produk digital saving.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cKomitmen ini sejalan dengan langkah transformasi Bank Raya untuk mengakselerasi adopsi produk digital di masyarakat,\u201d tambah Bagus.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Outlook: Bank Raya Perkuat Posisi Sebagai Bank Digital<\/h3>\n\n\n\n<p>Dengan pertumbuhan kredit digital, peningkatan CASA, profitabilitas yang membaik, serta inovasi aplikasi, Bank Raya optimistis memperkuat posisinya sebagai <strong>bank digital terdepan di Indonesia<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Laba Bersih Bank Raya Tumbuh 23,9% YoY PT Bank Raya Indonesia Tbk (AGRO) mencatatkan laba bersih Rp41,97 miliar hingga Kuartal III-2025, meningkat 23,9% YoY dibandingkan Rp33,8 miliar pada periode yang sama tahun sebelumnya. Pertumbuhan laba ini ditopang oleh penyaluran kredit yang naik 7,1% YoY menjadi Rp7,27 triliun. Kredit digital menjadi motor utama dengan pertumbuhan 50,1% [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5667,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[290],"tags":[2384,4680,1990,4214],"class_list":["post-6739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial","tag-agro","tag-kinerja-3q-2025","tag-laba-bersih","tag-pt-bank-raya-indonesia-tbk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank Raya (AGRO) Catat Laba Rp41,97 Miliar di Kuartal III-2025, Kredit Digital Tumbuh 50% - Regular-investor.com<\/title>\n<meta name=\"description\" content=\"PT Bank Raya Indonesia Tbk (AGRO) membukukan laba bersih Rp41,97 miliar hingga Kuartal III-2025, naik 23,9% YoY. 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