Bank Mandiri continued its positive business growth in the third quarter of 2025. Despite global economic challenges, the bank recorded solid performance in credit growth, funding, and ongoing digital transformation. This achievement shows the company’s commitment to accelerating efforts that strengthen Indonesia’s economic foundation through synergy across all business lines and productive ecosystems.

Bank Mandiri’s Finance & Strategy Director, Novita Widya Anggraini, said the consistent growth reflects strong fundamentals and the accuracy of the strategies applied.

“We focus on maintaining quality growth, supported by disciplined risk management and synergy across segments and sectors that strengthen the competitiveness of the national economy,” she said.

By the end of September 2025, Bank Mandiri’s consolidated assets reached Rp2,563 trillion, an increase of 10.3% year on year (YoY). Consolidated loans reached Rp1,764.32 trillion, up 11% YoY, higher than the national banking industry’s growth of 7.70% YoY, according to Bank Indonesia data. This shows Bank Mandiri’s strong intermediation ability in expanding financing that supports productivity and added economic value.

Supporting Key Economic Sectors Aligned with National Vision

The state-owned bank with ticker code BMRI said that this growth was supported by all business segments and regional ecosystems. Novita explained that this achievement confirms Bank Mandiri’s commitment to strengthen labor-intensive sectors and people-based economies, in line with President Prabowo’s Asta Cita vision.

“We see that labor-intensive sectors, export-oriented industries, and the food and beverage industry remain significant growth drivers. Financing in these sectors provides a multiplier effect on jobs and people’s purchasing power,” Novita said.

The strong credit growth was followed by well-maintained risk management. As of September 2025, the bank’s gross Non-Performing Loan (NPL) ratio stood at 1.03%, while the coverage ratio was maintained at 271%.

“Sustainable growth is our main priority. Bank Mandiri ensures that every expansion step is measured and aligned with prudence and good governance to maintain asset quality and performance,” she added.

Strengthening Role as Government Partner in Economic Acceleration

As a state-owned bank, Bank Mandiri continues to strengthen its role as a strategic partner of the government in accelerating national economic growth. This is reflected in the distribution of 74%, or around Rp40.7 trillion, of the Rp55 trillion in funds placed by the Ministry of Finance up to September 2025. The funds were distributed to more than 24,000 business players across 15 strategic national sectors.

The fund distribution focuses on export-oriented sectors, labor-intensive industries, and MSMEs that can support sustainable national economic growth.

“We are optimistic that these funds will have a positive effect on the national economy. We want to ensure that every government fund managed by Bank Mandiri truly goes to productive sectors,” Novita said.

She added that the credit quality from these fund distributions remains well-maintained in line with the bank’s prudence principles. Bank Mandiri also supports National Strategic Programs (PSN), including infrastructure development, housing finance (KPR FLPP), and inclusive financial programs for rural and cooperative sectors.

Digital Transformation Boosts Funding and Efficiency

In funding, Third-Party Funds (DPK) grew 13% YoY to Rp1,884 trillion by the end of Q3 2025. The CASA portion remained dominant at 69.3%, showing success in maintaining cost efficiency and liquidity.

This solid growth was supported by higher digital transactions through Livin’ by Mandiri, Livin’ Merchant, and Kopra by Mandiri. These platforms have become the main pillars of Bank Mandiri’s digital acceleration.

By the end of September 2025, Livin’ by Mandiri had 35.1 million users, an increase of 27% YoY, with transaction frequency up 25% YoY and transaction value reaching Rp3,220 trillion, up 10% in the first nine months of 2025. More than 91% of new account openings were conducted digitally.

Meanwhile, Livin’ Merchant has been used by around 3 million business owners, growing 35% YoY.

“We developed Livin’ Merchant as a digital solution that strengthens business competitiveness. Through efficient payment and transaction systems, we hope this digitalization becomes a catalyst for sustainable MSME growth,” Novita explained.

For the business segment, Kopra by Mandiri has become a major driver of the national digital business ecosystem. Transaction value on this platform reached Rp19,498 trillion, up 20% YoY, with a transaction volume of 1.1 billion, growing 14% YoY. Total demand deposits also increased to Rp564.5 trillion.

“Digitalization is no longer just a support, but the core of Bank Mandiri’s growth strategy,” Novita said.

Commitment to Sustainability and Environmental Responsibility

Bank Mandiri strengthened its commitment to Environmental, Social, and Governance (ESG) principles through three main pillars: Sustainable Banking, Sustainable Operation, and Sustainability Beyond Banking.

By the third quarter of 2025, the sustainable financing portfolio reached Rp310.5 trillion, up 8.7% YoY. Green financing contributed Rp159 trillion, up 12% YoY, while social financing reached Rp151 trillion, up 5.3% YoY, focusing on productive MSMEs.

In sustainable operations, Bank Mandiri promoted efficiency and green practices toward a carbon-neutral target by 2030. This includes monitoring digital carbon footprints, using green buildings, electric vehicles, and installing solar panels in main offices. Governance improvements also focused on cybersecurity, data protection, and business transparency.

Currently, 46% of managerial positions are held by women, showing a strong commitment to inclusivity and diversity. Through the Sustainability Beyond Banking pillar, the bank has implemented four key CSR programs — Pasar Murah Mandiri, Mandiri Bakti Kesehatan, Aksi Bersih Mandiri, and Mandiri Peduli Sekolah — reaching over 60,000 beneficiaries nationwide.

This sustainability commitment aligns with the spirit of Sinergi Majukan Negeri and supports President Prabowo’s Asta Cita, which focuses on public welfare, education, health, and human resource development.

Bank Mandiri’s ESG performance also received global recognition, with its Sustainalytics score improving from 27.6 (medium risk) in 2024 to 9.5 (negligible risk) in September 2025.

“Sustainability is an integral part of our business strategy. We ensure that every initiative not only creates economic value but also brings positive impacts for people and the environment,” Novita concluded.

PHOTO: BANK MANDIRI

This article was created with AI assistance.