Bank Mandiri reported solid financial results at the start of 2026, reinforcing its role as a strategic partner of the government in strengthening the people-centric economy and supporting national growth (23/02). In its January 2026 monthly report (bank only), the bank’s credit portfolio grew 15.62 percent year-on-year (YoY) to Rp1,511.4 trillion.

Total assets also increased to Rp2,191.9 trillion, up 13.96 percent YoY, reflecting sustained business expansion while maintaining quality and strong intermediation.

Focus on Productive Sectors and MSMEs

Novita Widya Anggraini, Finance & Strategy Director at Bank Mandiri, stated that the growth reflects the bank’s commitment to funding productive sectors, including MSMEs and businesses across various regions. This aligns with Bank Mandiri’s role as a government strategic partner in strengthening the national economic structure.

“Pertumbuhan ini menjadi wujud sinergi yang terintegrasi antara strategi bisnis, pengelolaan risiko, dan penguatan ekosistem. Kami memastikan akselerasi yang bertumbuh tetap berjalan dengan mengedepankan prinsip kehati-hatian sehingga memberikan nilai tambah bagi ekonomi kerakyatan,” Novita said.

Strong Funding Structure and Efficiency

The bank’s Third-Party Funds (DPK) reached Rp1,635.5 trillion, up 17.29 percent YoY, supported by funding optimization and a strong customer base. The portfolio is dominated by low-cost funds, with a CASA ratio of 73 percent, improving funding efficiency and strengthening liquidity.

Net profit grew in double digits month-to-date (MTD), driven by a 10.2 percent YoY increase in Net Interest Income (NII). Cost of Fund (CoF) declined 27 basis points from the previous month to 2.06 percent.

Fee-Based Income (FBI) also rose 16.1 percent YoY, reflecting higher transaction activity across business lines. Cost to Income Ratio (CIR) improved to 37.75 percent, down 3.44 percent from the prior month.

Digital Transactions Accelerate Growth

Digital transactions surged, with Livin’ by Mandiri up 49.3 percent YoY and Kopra by Mandiri up 27 percent YoY. Treasury transactions also increased 33 percent YoY, supported by enhanced digital services and comprehensive financial solutions.

Novita highlighted that the digital ecosystem aims to provide integrated services for retail customers, business actors, and UMKM merchants.

“Akselerasi ekosistem digital kami arahkan untuk menghadirkan layanan yang menyeluruh dan terintegrasi bagi masyarakat dan nasabah. Melalui konektivitas yang semakin kuat antarsegmen, kami ingin memastikan setiap kebutuhan transaksi dan pembiayaan dapat terpenuhi secara lebih mudah, cepat, dan relevan dengan perkembangan ekonomi nasional,” she said.

Credit Quality Remains Strong

Credit quality showed improvement, with Cost of Credit (CoC) decreasing 21 basis points YoY to 0.35 percent. Non-Performing Loan (NPL) remained stable at 0.97 percent, down 3 bps annually, demonstrating disciplined risk management and selective lending.

As part of the Danantara ecosystem, Bank Mandiri continues to direct financing to priority sectors that drive economic growth and empower MSMEs, while integrating its corporate, retail, and digital operations for mutual support.

“Ke depan, kami akan terus memperkuat kolaborasi dengan pemerintah dan berbagai pemangku kepentingan untuk mendukung agenda pembangunan nasional. Dengan fundamental yang solid, efisiensi yang terjaga, serta strategi yang adaptif, kami optimistis dapat menjaga momentum pertumbuhan secara sehat, inklusif, dan berkelanjutan sepanjang 2026,” Novita concluded.

PHOTO: SHUTTERSTOCK/KUMPARAN

This article was created with AI assistance.

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