Bank Mandiri has secured the title of Best Bank in Indonesia at the Global Finance World’s Best Bank Awards 2025 for the second consecutive year. This achievement highlights the strong collaboration between Bank Mandiri, the government, and society in advancing inclusive and sustainable national economic growth.

Strong Financial Performance Drives Award Recognition

Bank Mandiri’s award reflects its solid financial performance, supported by strong asset growth, an enhanced business ecosystem, and consistent digital innovation contributing to national economic progress. The bank’s continuous innovation and market adaptability were key factors in this recognition.

As of August 2025, Bank Mandiri’s bank-only credit grew by 10.7% year-on-year (YoY) to IDR 1,353 trillion, exceeding the industry average growth of 7.5%. Productive financing expansions supported this growth, with productive microcredit rising 11.1% YoY to IDR 99.1 trillion and mortgage loans increasing 11.5% YoY to IDR 68.3 trillion.

Asset quality remained solid, with a non-performing loan (NPL) ratio of 1.08%, well below the industry average. The coverage ratio was also high. Third-party funds (DPK) increased 10.2% YoY to IDR 1,435 trillion, with low-cost funds (CASA) representing 76.4% of the total in the first eight months of 2025. These results underline Bank Mandiri’s efficiency in managing funding costs and strengthening sustainable growth.

Digital Transformation and Inclusive Economic Growth

BD Budi Prasetyo, Senior Vice President of Digital Wholesale Banking, said the award is a result of sustained strategy implementation aligned with national policy. He explained that Kopra by Mandiri offers integrated financial services including Cash Management, Trade Finance, Value Chain, and Treasury to support corporate customers’ business growth.

He added, “We believe Indonesia’s economic growth must run alongside increased community welfare by strengthening the productive sector and accelerating digital transformation, in line with President Prabowo Subianto’s vision of economic transformation and national productivity improvement.”

Comprehensive Digital Ecosystem Supports Diverse Customer Segments

As a strategic government partner, Bank Mandiri commits not only to financing but also to strengthening a sustainable economic ecosystem from MSMEs to strategic national industries. The bank continues to expand digital services accessible to all society segments.

The super app Livin’ by Mandiri, wholesale platform Kopra by Mandiri, and digital solution Livin’ Merchant offer an integrated financial ecosystem serving retail, corporate, and MSME customers. Livin’ by Mandiri’s users grew 27% YoY to 34.2 million by August 2025, with transaction values rising 10% to IDR 2,848 trillion.

Kopra’s transaction value increased 19% YoY to IDR 16,989 trillion, with transaction frequency growing 14% YoY to 964 million. This confirms Kopra as a key platform supporting corporate clients with features that improve efficiency and business performance.

Livin’ Merchant supports MSME digitalization, with 62% of users from outside major cities, offering features such as multi-outlet management, F&B system integration, QR Table ordering, and distributor ordering connected directly to suppliers.

Strategic Partnerships and Commitment to National Economic Development

BD Budi emphasized, “This digital transformation is a real contribution by Bank Mandiri to support government programs that strengthen an inclusive economy and increase national competitiveness. We are committed to providing banking services that are modern, adaptive to technology, empower communities, and promote sustainable economic growth.”

He underlined Bank Mandiri’s dedication to innovation, expanding financial access, and strengthening grassroots economic foundations. The award motivates the bank to continue delivering the best services and to reinforce its role as a key driver of the national economy, as stated by BD Budi.

PHOTO: BANK MANDIRI

This article was created with AI assistance.