Bank Mandiri recorded a consolidated net profit of Rp15.4 trillion in the first quarter of 2026, growing 16.6 percent year-on-year as it maintained solid business resilience despite global economic pressure (21/04). The performance was supported by stable profitability indicators and strong capital adequacy.

The bank posted a Return on Equity (ROE) of 22.1 percent and a Capital Adequacy Ratio (CAR) of 19.7 percent. These figures reflect a strong financial foundation that supports continued business growth and resilience against potential market volatility.

Intermediation Growth Outpaces Industry Performance

Bank Mandiri recorded strong intermediation growth across key indicators, surpassing industry averages in the first quarter of 2026.

Total credit reached Rp1,530 trillion, increasing 17.4 percent year-on-year, above the industry growth of 9.37 percent. Third-party funds (DPK) reached Rp1,675 trillion, growing 21.1 percent year-on-year, higher than the industry’s 13.2 percent growth rate.

The bank’s CASA balance reached Rp1,201 trillion, growing 12.7 percent year-on-year. Operational efficiency also improved, with the BOPO ratio at 58.0 percent, reflecting a 3.48 percent improvement year-on-year.

Asset quality remained strong, with gross non-performing loans (NPL) at 0.98 percent, lower than the industry average of 2.17 percent. The NPL coverage ratio stood at 245 percent.

Bank Mandiri Strengthens Role as Government Strategic Partner

Bank Mandiri continued to support key national programs aimed at strengthening the real sector and expanding public welfare.

The bank disbursed Rp11 trillion in Kredit Usaha Rakyat (KUR), reaching more than 87,000 MSME borrowers across productive sectors. In the Makan Bergizi Gratis program, around 6,000 SPPG units utilized Mandiri’s virtual account services to support financial governance.

For housing support, Bank Mandiri financed approximately 2,300 housing units under the FLPP program. In addition, the bank supported around 80,000 Koperasi Desa and Kelurahan Merah Putih as part of efforts to strengthen the community-based economic ecosystem.

Digital Ecosystem Expansion Drives Financial Inclusion

Bank Mandiri continued to expand its digital ecosystem across retail, business, and MSME segments through its main platforms.

Livin’ by Mandiri reached around 39 million users, growing 27 percent year-on-year, with approximately 27,000 new users added daily. Transaction volume increased 13 percent year-on-year to 1.24 billion transactions.

Kopra by Mandiri served around 335,000 users, with 85 percent being MSMEs. Its transaction volume grew 13 percent year-on-year to 395 million transactions.

Livin’ Merchant reached 3.3 million users, growing 28 percent year-on-year, with 63 percent of users located in non-urban areas, supporting wider financial inclusion.

ESG Integration Strengthens Sustainable Banking Strategy

Bank Mandiri reinforced its Environmental, Social, and Governance (ESG) implementation through sustainable banking, operations, and broader ecosystem initiatives.

Total sustainable financing reached Rp320 trillion, growing 8.8 percent year-on-year. This included Rp167 trillion in green financing, up 12.6 percent, and Rp153 trillion in social financing, up 5.1 percent.

The bank also recorded new financing of Rp3.6 trillion in green buildings and Rp5.2 trillion in natural resource management. Its Green Bond Phase II allocation of Rp5 trillion was fully distributed, supporting environmentally focused sectors.

Operational sustainability efforts included emissions reduction initiatives, electrification of vehicles, green building optimization, solar panel installation, and the use of carbon tracking systems.

Bank Mandiri also continued strengthening financial inclusion through digital platforms and sustainability programs, including preparations for carbon reduction certificate services integrated with Livin’ Planet.

PHOTO: BANK MANDIRI

This article was created with AI assistance.

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