Bank Mandiri recorded total assets of Rp2,359 trillion, loans of Rp1,592 trillion, and net profit of Rp37.5 trillion on a bank-only basis as of the end of August 2026, supported by growth in customer deposits and digital banking services. The bank continues to prioritize balance sheet health, liquidity management, and prudent risk management to support sustainable business growth (19/10).

Bank Mandiri Financial Performance Shows Strong Asset and Loan Growth

Bank Mandiri’s total assets grew 20.7% year-on-year (YoY) as of the end of August 2026. Its loan disbursements reached Rp1,592 trillion, an increase of 17.6% YoY, supported by measured growth in both wholesale and retail lending.

The bank continues to emphasize financing quality and disciplined risk management as it expands its lending business. This approach supports its efforts to maintain sound financial fundamentals while meeting customer financing needs.

Net profit on a bank-only basis reached Rp37.5 trillion through August 2026, representing growth of 22.3% YoY. This performance reflects the bank’s ability to manage business growth while maintaining its financial fundamentals.

Deposit Growth Strengthens Bank Mandiri’s Funding Position

Bank Mandiri’s third-party funds, or customer deposits, reached Rp1,687 trillion on a bank-only basis at the end of August 2026, increasing 17.6% YoY. This exceeded the banking industry’s deposit growth of 13.7% over the same period.

Deposit growth outpaced loan growth, reflecting the bank’s efforts to maintain a healthy and efficient funding structure. This approach supports customer transactions and provides funding for lending activities.

The bank also attributed deposit growth to its efforts to expand its customer base and attract new funds through its digital service ecosystem. These efforts form part of its strategy to develop banking services that meet customers’ financial needs and support business activities.

Livin’ and Kopra Expand Digital Banking Adoption

Livin’ by Mandiri had approximately 42.2 million users as of the end of August 2026, an increase of 23.4% YoY. The platform recorded 3.32 billion transactions.

Kopra by Mandiri, which supports business customers, recorded 385,300 registered users, growing 31.9% YoY. Its transaction frequency reached 1.05 billion, in line with its use by businesses to support their activities.

Bank Mandiri Finance and Strategy Director Novita Widya Anggraini said the bank continues to develop Livin’ by Mandiri and Kopra by Mandiri as the main channels through which customers access its products and services. Through these platforms, customer interactions can extend beyond transactions to address their financial needs and business activities.

Bank Mandiri Prioritizes Liquidity and Financial Resilience

Novita said balance sheet strength is not measured by growth alone but also by a bank’s ability to maintain liquidity under different market conditions. Bank Mandiri monitors fund flows daily, conducts regular stress tests, and maintains adequate liquidity buffers.

“For us, growth must go hand in hand with resilience. Therefore, we monitor fund flows every day, conduct regular stress tests, and maintain adequate liquidity buffers. This discipline is important to ensure that Bank Mandiri is always ready to serve customer needs and support business activities,” Novita said.

The bank said it would continue to prioritize balance sheet health, sufficient liquidity, and prudent banking practices to serve individuals and businesses. These priorities remain central to its efforts to provide reliable financial services.

“Our focus going forward is to maintain healthy growth while continuing to expand the Bank Mandiri ecosystem. We want to ensure that customers can access reliable, accessible services that meet their needs through Livin’, Kopra, and Bank Mandiri’s entire service network,” Novita said.

PHOTO: BANK MANDIRI

This article was created with AI assistance.

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